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REVIEW OF SHARIA ECONOMIC LAW ON THE IMPLEMENTATION OF THE MURABAHAH ACCOUNT AT MANDIRI SYARIAH BANK BANDAR LAMPUNG CITY Heru Fadli; Khumedi Ja'fa; Iskandar Syukur
PRANATA HUKUM Vol 16 No 1 (2021): Januari
Publisher : Law Faculty of Universitas Bandar Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36448/pranatahukum.v16i01.240

Ba'imurabahah is applied as a financing product to finance the purchase ofconsumer goods (consumption), working capital needs, and investment needs.Financing in the form of consumers (consumption) are asuch as the purchase ofvehicles, houses, and multipurpose goods (electronic goods, household equipment, and other consumer goods). For example, working capital financing to purchase paper raw materials for printing orders, mercantile inventory, raw material inventory, and capital goods, as well as unsustainable working capital. Likewise, financing for investment are such as to buy machinery and equipment for technological upgrades and updates. The Implementation of the MurabahahAgreement at Bank Mandiri Syariah, Bandar Lampung City was considered from the Perspective of Sharia Economic Law. In practice, Islamic Banks do not sell goods to customers, but Islamic Banks only provide an authorized amount of money to customers to buy goods for themselves. This seems as if the Islamic Bank does not want to take the risk, even though it should be the seller of the Islamic bank to be ready to face the risk of loss. Based on the results of this study, the implementation of the Murabahah Agreement at Bank Mandiri Syariah Bandar Lampung City did not fulfill one of the pillars of the contract.

OVERVIEW OF THE IMPLEMENTATION OF EARNING ZAKAT DISTRIBUTION IN THE LAMPUNG SEJAHTERA PROGRAM BASED ON SHARIA ECONOMIC LAW Deni Ariska; Nurnazli; Khumedi Ja'far
PRANATA HUKUM Vol 16 No 2 (2021): Juli
Publisher : Law Faculty of Universitas Bandar Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36448/pranatahukum.v16i2.250

There are several issues regarding the Lampung Prosperous Program which is one of the programs of the National Amil Zakat Agency (BAZNAS) of Lampung Province as an effort to distribute productive zakat to mustahik which has not run optimally. This can be found in the distribution of productive zakat by the National Amil Zakat Agency (BAZNAS) of Lampung Province which only provides capital in the form of duck, goat, and laying hens but is not accompanied by basic training in the field of animal husbandry. In fact, not all mustahik who are given the capital understand how to raise animals. In addition, mustahik (zakat recipients) in the Lampung Prosperous Program are not included in the eight asnaf group. The purpose of this study is to describe the implementation of productive zakat distribution in the National Amil Zakat Agency (BAZNAS) of Lampung Province and to examine and determine the perspective of Islamic law regarding the implementation of productive zakat distribution in the National Amil Zakat Agency (BAZNAS) of Lampung Province. This research includes field research, namely research that is directly carried out in the field or on respondents. In addition, this study also uses library research, namely research that uses literature (library), both in the form of Islamic law books (fiqh books, compilations of sharia economic law, scientific journals, and supported by interviews from sources, namely the Provincial BAZNAS Management). Lampung. Based on the results of this study, the implementation of productive zakat distribution carried out by the Lampung Province BAZNAS does not distribute productive zakat to eight asnaf that has been determined by the Qur'an, especially the needy and poor but to people who are considered capable. Able in the sense here is the ability to manage livestock, even though not all recipients of productive zakat in the form of livestock are people who are economically middle to lower, but people who are categorized as muzakki so that they do not reflect the benefit. If it is associated with verse 60 of surah at-Taubah with the Lampung Prosperous program run by BAZNAS Lampung Province, it is not as determined by the Qur'an. especially the needy and poor but to people who are considered capable. Able in the sense here is the ability to manage livestock, even though not all recipients of productive zakat in the form of livestock are people who are economically middle to lower, but people who are categorized as muzakki so that they do not reflect the benefit. If it is associated with verse 60 of surah at-Taubah with the Lampung Prosperous program run by BAZNAS Lampung Province, it is not as determined by the Qur'an. especially the needy and poor but to people who are considered capable. Able in the sense here is the ability to manage livestock, even though not all recipients of productive zakat in the form of livestock are people who are economically middle to lower, but people who are categorized as muzakki so that they do not reflect the benefit. If it is associated with verse 60 of surah at-Taubah with the Lampung Prosperous program run by BAZNAS Lampung Province, it is not as determined by the Qur'an. but people who are categorized as muzakki so that they do not reflect the benefit. If it is associated with verse 60 of surah at-Taubah with the Lampung Prosperous program run by BAZNAS Lampung Province, it is not as determined by the Qur'an. but people who are categorized as muzakki so that they do not reflect the benefit. If it is associated with verse 60 of surah at-Taubah with the Lampung Prosperous program run by BAZNAS Lampung Province, it is not as determined by the Qur'an.

Urgensi Lelang Dalam Penjualan Barang Gadai (Emas) pada Lembaga Keuangan Syariah Wawan Mulyawan; A. Khumedi Ja'far; Muhammad Iqbal Fasa
Reslaj : Religion Education Social Laa Roiba Journal Vol 4 No 2 (2022): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Lembaga keuangan syariah di Indonesia dewasa ini telah berkembang cukup baik dan menawarkan berbagai macam produk yang memudahkan nasabah dalam melakukan transaksi keuangan yang sesuai dengan prinsip-prinsip syariah. Lembaga keuangan syariah saat ini (Pegadaian Syariah dan Bank Syariah Indonesia/BSI) menawarkan produk berupa gadai emas, yakni gadai dengan barang jaminan berupa emas, baik emas batangan (lantakan) maupun perhiasan emas. Dalam hal nasabah tidak mampu melunasi angsurannya, maka lembaga keuangan penyedia layanan gadai emas dapat menjual barang gadai (emas) tersebut setelah terlebih dahulu memberi kesempatan dan teguran kepada nasabah untuk melunasi angsurannya, namun mekanisme yang dilakukan oleh Pegadaian Syariah berbeda dengan BSI dalam hal penjualan barang gadai tersebut, dimana penulis dalam hal ini melakukan penelitian mengenai praktik penjualan barang gadai (emas) pada Pegadaian Syariah Subang dan BSI Cabang Subang. Dalam penulisan ini penulis menggunakan metode penelitian lapangan (field research) dan penelitian pustaka (library resecarch) untuk mengetahui sejauh mana urgensi lelang dalam hal penjualan barang gadai yang berupa emas pada lembaga keuangan syariah.

GOOD CORPORATE GOVERNANCE PADA LEMBAGA PENDIDIKAN PESANTREN: STUDI PADA PONDOK PESANTREN UNIVERSITAS ISLAM INDONESIA A Khumedi Ja’far
Akademika : Jurnal Pemikiran Islam Vol 23 No 1 (2018): Good Coorporate Governance dan Manajemen Lembaga Pendidikan Islam
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (292.115 KB)

Abstract Good Corporate Governance is a concept or guidance in managing a good organization or institution. Although, conceptually still leaves room for debate. However, most scholars agree on the concept. In the educational institutions context, especially pesantren institutions, the implementation of GCG is an important and interesting thing to study. This study is aimed in analyzing the implementation of GCG at the Islamic University of Indonesia Islamic Boarding School (PP UII). This research is a qualitative research with case study. In the process of data collection, researcher use observation, interview and documentation. The validation process uses the data and sources triangulation. In analysis, there are several stages, such as data reduction, data presentation, and conclusion drawing. The results of this study, it can be seen that PP UII in principle has implemented the principles in GCG such as transparency, accountability, professionalism and responsibility. In the principle of transparency, PP UII reports every learning process and activities, also financial reports to the leaders of the university and the students can also find out the results of the learning evaluation. In the principle of professionalism, for example, it can be seen from the selection of scholarship awardee, the leadership process and the selection of lecturers in accordance with the competence. Also in the aspect of accountability and responsibility is implemented properly in PP UII. Keywords : Good Corporate Governance, Education, and Boarding School Abstrak Good Corporate Governance merupakan konsep atau panduan dalam pengelolaan suatu lembaga atau organisasi yang baik. Meskipun secara konseptual masih menyisakan ruang perdebatan. Namun, sebagian besar pengkaji setuju terhadap konsep tersebut. Dalam konteks lembaga pendidikan, khususnya lembaga pesantren, pengimplementasian GCG merupakan suatu hal yang penting dan menarik untuk dikaji. Penelitian ini bertujuan untuk menganalisis implementasi GCG pada lembaga Pendidikan Pondok Pesantren Universitas Islam Indonesia. Penelitian ini adalah penelitian kualitatif dengan metode yang digunakan adalah studi kasus. Dalam proses pengambilan data, peneliti menggunakan teknik observasi, wawancara, dokumentasi. Proses validasi menggunakan proses triangulasi data dan sumber data. Adapun dalam analisisnya, terdapat beberapa tahapan yaitu reduksi data, penyajian data, dan penarikan kesimpulan. Berdasarkan hasil penelitian ini dapat diketahui bahwa PP UII secara prinsip telah mengimplementasikan prinsip-prinsip dalam GCG seperti transparansi, akuntabilitas, profesionalitas dan bertanggungjawab. Dalam aspek transparansi, PP UII melaporkan setiap proses pembelajaran dan kegiatan serta laporan keuangan kepada pihak pimpinan universitas dan para santri pula dapat mengetahui hasil evaluasi pembelajaran. Dalam aspek profesionalitas, misalnya dapat dilihat dari seleksi penerima beasiswa PP UII, proses kepemimpinan dan pemilihan dosen sesuai dengan bidang keilmuan dan kompetensi. Begitu juga dalam aspek akuntabilitas dan tanggungjawab diimplementasikan secara baik di PP UII. Kata Kunci : Good Corporate Governance, Pendidikan, dan Pesantren

PATTERN OF TRANSFORMATION OF DSN-MUI FATWA REGARDING MUSYARAKAH MUTANAQISAH CONTRACTS IN LEGISLATION (DSN-MUI FATWA ANALYSIS NUMBER: 01/DSN-MUI/X/2013): Pola Tansformasi Fatwa DSN-MUI Tentang Akad Musyarakah Mutanaqisah Dalam Peraturan Perundang-Undangan (Analisis Fatwa DSN-Mui Nomor: 01/DSN-MUI/X/2013) WAHYU NITA SARI; Khumedi Ja’far; Khairuddin
AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM Vol. 1 No. 2 (2021): DESEMBER 2021
Publisher : Jurnal ini dipublikasikan oleh Pusat Penelitian dan Pengabdian Publikasi (P3M) STAI Nahdlatul Watan Samawa-licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (729.192 KB)

Departing from the growing assumption that there is a change between the provisions of the DSN-MUI fatwa and the POJK regarding the purpose of musyarakah mutanaqishah financing, namely from productive to consumptive. musyarakah mutanaqishah must be aimed at financing with productive characteristics such as working capital, consumptive purposes such as mortgage financing. Because of this, several perceptions have emerged in the public which say that there is a discrepancy between the fatwa and the laws and regulations. Therefore, the research is directed to see how the pattern of transformation of the DSN-MUI Fatwa regarding the Musyarakah Mutanaqishah Agreement on the Legislation. The results of this study found that the transformation pattern here can be classified into two; literally and non-literally. literal use of positivization and copy paste methods, and non literal method of objectification with adoption and adaptation patterns Literally and Islamic law (DSN-MUI fatwa) does not have to be literally transformed into laws and regulations. The results of this study found that the problem, especially the transformation caused by the positivization pattern of the fatwa that was not appropriate, was partially adopted and implemented. The content mostly uses the same concepts as conventional ones. As for the substance of the problems caused by the habit of taking fatwas that are not complete (partial only) and there are new fatwas that elaborate on old concepts.

ANALISIS KEABSAHAN TRANSAKSI JUAL BELI ONLINE YANG DILAKUKAN ANAK DIBAWAH UMUR MENURUT HUKUM ISLAM DAN HUKUM PERDATA INDONESIA Sinta Bela; KHUMEDI JA'FAR; MAIMUN; MUHAMMAD ZAKI; LIKY FAISAL
AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM Vol. 2 No. 2 (2022): DESEMBER 2022
Publisher : Jurnal ini dipublikasikan oleh Pusat Penelitian dan Pengabdian Publikasi (P3M) STAI Nahdlatul Watan Samawa-licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (595.886 KB)

Buying and selling online according to Islamic law is allowed as long as online buying and selling transactions do not contain fraud, coercion and persecution. In Islam, it must be carried out in accordance with the provisions of the Shari'a, which must meet the pillars and conditions of buying and selling. The three pillars of buying and selling must exist, namely igat, contract, 'aqīd (seller and buyer) with mumayyiz and sound mind conditions so that the sale and purchase is valid. The legitimacy of buying and selling online by minors has been regulated in Article 1320 of the Civil Code. The problem that will be discussed in this thesis is the analysis of the validity of online buying and selling transactions carried out by minors according to Islamic law and Indonesian civil law. This research is a library research (Library research). After the data was collected, the researchers conducted an analysis using a comparative descriptive method of qualitative analysis with a thinking approach using a deductive method. The results of the study show that Article 1320 of the Civil Code can still be said to be valid, but the legal force is weak because it does not meet the legal requirements of the agreement. Meanwhile, according to Islamic law, it is permissible based on the pillars and conditions of online buying and selling provided that the child is mumayyiz and the sale and purchase item is of low value and must have permission from his guardian.

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