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MEMBANGUN SISTEM EKONOMI ISLAM BERORIENTASI KESALEHAN SOSIAL Mahmudah Mulia Muhammad
El-Iqthisadi Volume 1 Nomor 1 Juni 2019
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisadi.v1i1.9903

Budiharsono, Sugeng. Strategi Penanggulangan Kemiskinan Nasional. Jakarta: TKP3KPK, Menko Kesra, 2004.Chapra, M. Umar. The Future of Economics; an Islamic Perspective. Jakarta: SEBI, 2001.Haidar, Ilyas Abu. Etika Islam dari Kesalehan Individual Menuju Kesalehan Sosial. Jakarta: Al-Huda, 2003.Hanifullah. “Membangun Sistem Ekonomi Umat Berbasis Syariah”. Episteme. Vol. 7, No. 2, (Desember 2012).Hikmat, Harry. “Pembangunan Sosial yang Berpusatkan pada Rakyat: Reorientasi Paradigma Pembangunan Kesejahteraan Sosial Pascakrisis”. Makalah. Bandung: Unpad, 1999.______. Strategi Pemberdayaan Masyarakat. Bandung: Humaniora, Utama Press 2010.Ibrahim, Idi. “Dunia Simbolik dan Gaya Hidup dalam Beragama”. Mediator. Vol. 3, No. 1. (2002).Jati, Wasisto Raharjo. “Kesalehan Sosial Sebagai Ritual Kelas Menengah Muslim”. IBDA’ Jurnal Kebudayaan Islam, Vol. 13, No. 2, (Juli - Desember 2015).Karim, Adiwarman. Ekonomi Islam: Suatu Kajian Ekonomi Makro, Cet. I. Jakarta: III Indonesia, 2002.Maghfur, Ifdlolul. “Membangun Ekonomi Dengan Prinsip Tauhid”. Jurnal MALIA. Volume 7, Nomor 2, (Juni 2016).Manan, Muhammad Abdul. Ekonomi Islam: Teori dan Praktik, terj. Potan Arif Harahap. Jakarta: PT. Intermasa, 1992.Mundzirin, Yusuf, dkk. Islam dan Budaya Lokal. Yogyakarta: Pokja Akademik UIN Suka, 2007.Nasution, Mustafa Edwin, dkk. Pengenalan Eksklusif Ekonomi Islam. Jakarta: Kencana, 2006.Partoatmodjo, Sadji. Masalah Kemiskinan dan kompleksitas Penanggulangannya. Jakarta TKP3KPK Menko Kesra, 2004.Riesebrodt, Martin. Pious Passion. Berkeley: University of California Press, 1993.Soetomo. Pemberdayaan Masyarakat. Yogyakarta: Pustaka Pelajar, 2011.Tim Pengembangan Perbankan Syariah Institut Bankir Indonesia. Konsep, Produk dan Implementasi Bank Syariah. Jakarta: Djambatan, 2003.

TINJAUAN HUKUM ISLAM TERHADAP MEKANISME PELELANGAN BARANG JAMINAN AKIBAT KETIDAKMAMPUAN NASABAH MEMBAYAR ANGSURAN PADA PEGADAIAN SYARIAH UNIT VETERAN KOTA MAKASSAR Mulfiha Risyida Farid; Mahmudah Mulia Muhammad
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Volume 4 Nomor 4 Juli 2023
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.35952

Abstrak Manusia adalah makhluk sosial, yaitu seseorang yang selalu bergantung dengan masyarakat sehingga memerlukan bantuan dari masyarakat untuk memenuhi kebutuhan hidupnya dalam bermasyarakat. Kebutuhan hidup manusia disebut sebagai pelaku ekonomi, menusia berkembang dengan populasi yang banyak dan tersebar di berbagai belahan dunia membuat ekonomi semakin berkembang. Pemerintah telah memfasilitasi masyarakat dengan suatu perusahaan umum yang melakukan kegiatan pegadaian yang berbasiskan prinsip-prinsip syariah yaitu Pegadaian Syariah sehingga masyarakat mendapat beberapa keuntungan yaitu cepat, praktis dan menentramkan. Pada umumnya pihak kreditur seperti Pegadaian Syariah, tidak mau memberi pinjaman kepada pihak lain tanpa ada suatu keyakinan bahwa peminjam akan dapat mengembalikan pinjamannya dalam waktu yang sudah ditentukan. Keyakinan itu ada kalanya berupa persepsi atas harapan penggunaan dana yang disediakan oleh pegadaian syariah, yaitu jaminan hutang yang berupa gadai. Perjanjian hutang dengan jaminan dikenal dalam al-Qur’an dengan istilah al-rahn, biasa diterjemahkan “Gadai”. Secara terminologi, didefinisikan oleh ulama fikih menjadikan sebagai materi (barang) sebagai jaminan hutang yang dapat dijadikan sebagai pembayar utang apabila orang yang berutang tidak bisa menyembalikan utangnya.[5]Pegadaian Syariah Makassar merupakan hal yang menarik untuk diteliti, karena belum banyak masyarakat yang mengetahui mekanisme pelalangan barang jaminan akibat nasabah tidak mampu bayar angsuran. Telah menjadi konsekuensi dalam setiap akad timbal balik, bahwa setiap pihak yang terbukti melakukan wanprestasi mendapatkan sanksi hukum. Selanjutnya, hal tersebut dirumuskan menjadi karya ilmiah dengan judul “Tinjauan Hukum Islam Terhadap Mekanisme Pelelangan Barang Jaminan Akibat Ketidakmampuan Nasabah Membayar Angsuran Pada Pegadaian Syariah Unit Veteran Selatan Kota Makassar”. Kata Kunci: Hukum Islam, Mekanisme Pelelangan, Barang Jaminan, Ketidakmampuan, Membayar Angsuran, Pegadaian Syariah. Abstract Humans are social beings, that is, someone who is always dependent on society, so they need help from the community to meet their needs in society. The needs of human life are referred to as economic actors, humans develop with a large population and spread in various parts of the world, making the economy grow. The government has facilitated the community with a public company that carries out pawnshop activities based on sharia principles, namely Sharia Pawnshops so that the community gets several benefits, namely fast, practical and reassuring. In general, creditors, such as Sharia Pawnshops, do not want to give loans to other parties without a belief that the borrower will be able to repay the loan within a predetermined time. This belief is sometimes in the form of a perception of the hope of using the funds provided by Islamic pawnshops, namely debt guarantees in the form of pawning. Debt agreements with collateral are known in the Qur'an by the term al-rahn, usually translated "Pawn". In terms of terminology, it is defined by fiqh scholars as material (goods) as collateral for debts that can be used as debt repayments if the debtor cannot repay the debt. Makassar Syariah Pegadaian is an interesting thing to study, because not many people know about the mechanism for passing collateral items due to customers not being able to pay installments. Has become a consequence in every lead contract reciprocity, that any party proven to have committed a default shall be subject to legal sanctions. Furthermore, this was formulated into a scientific work entitled "Review of Islamic Law Against the Mechanism of Auction of Guaranteed Items Due to Customer's Inability to Pay Installments at the South Veterans Unit Sharia Pawnshop in Makassar City". Keywords: Islamic Law, Auction Mechanism, Collateral, Inability, Paying Installments, Sharia Pawnshops.

TINJAUAN HUKUM ISLAM TERHADAP PEMBIAYAAN ARRUM BPKB (Studi Kasus PT Pegadaian Syariah Unit Pembantu Syariah Pattallassang Kabupaten Gowa) Reski Nur Afiah; Muhammadiyah Amin; Mahmudah Mulia Muhammad
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Volume 5 Nomor 2 Januari 2024
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.38378

Abstrak Pokok masalah penelitian ini bagaimana Tinjauan Hukum Islam terhadap pembiayaan ARRUM BPKB di PT. Pegadaian Syariah, Dari Permasalah pokok tersebut maka melahirkan Sub-sub masalah atau pertanyaan penelitian yaitu: 1) Bagaimana mekanisme pembiayaan Arrum BPKB PT. Pegadaian Syariah UPS Pattallassang Kabupaten Gowa, 2) Bagaimana implementasi ketentuan gadai syariah pada pembiayaan Arrum BPKB PT. Pegadaian Syariah UPS Pattallassang Kabupaten Gowa? Jenis penelitian ini tergolong kualitatif dengan pendekatan penelitian yang digunakan adalah yuridis empiris. Adapun sumber data penelitian ini adalah Pengelolah Unit PT. Pegadaian Syariah UPS Pattallassang. Selanjutnya, metode pengumpulkan data yang digunakan adalah wawancara, dokumentasi dan observasi. Lalu, teknik pengolahan dan analisis data dilakukan dengan melalui tiga tahapan, yaitu: klarifikasi data, reduksi data dan editing data.Hasil penelitian ini menunjukkan bahwa PT. Pegadaian Syariah UPS Pattallassang menggunakan Akad Rahn pada produk pembiayaan ARRUM yang ditawarkan kepada Nasabah. Di dalam akad Rahn ini PT. Pegadaian Syariah UPS Pattallassang yang Pemberian pembiayaan disertai jaminan, atas pinjaman yang diterimanya pihak yang menahan memperoleh jaminan untuk mengambil kembali seluruh atau sebagian piutangnya. Maka peneliti dapat mengambil kesimpulan bahwa Pembiayan ARRUM BPKB telah memenuhi syarat Hukum Islam yang berlaku. Implikasi dari penelitian ini adalah: 1) Produk-produk pada PT. Pegadaian Syariah UPS Pattallassang khususnya Produk ARRUM tersebut hendaknya sosialisasikan ke masyarakat khususnya masyarakat muslim, agar kiranya mengetahui secara detail mengenai mekanisme yang digunakan untuk pinjaman usaha dengan jaminan kendaraan bermotor.2) Peningkatan Sumber Daya Manusia (SDM) yang berkompeten dalam hal praktek muamalah sehingga dapat meningkatkan kinerja dan daya saing dengan Lembaga lainnya. Kata Kunci: Hukum Islam, Pembiayaan, Pegadaian Syariah Abstract The main problem of this research is how the Islamic Law Review of ARRUM BPKB financing at PT. Sharia Pawnshops, From these main problems, it gives birth to sub-problems or research questions, namely: 1) What is the financing mechanism for Arrum BPKB PT. UPS Pattallassang Sharia Pegadaian, Gowa Regency?,2) How is the implementation of the sharia pawn provisions on Arrum BPKB financing PT. UPS Pattallassang Sharia Pawnshop, Gowa Regency?This type of research is classified as qualitative with the research approach used is empirical juridical. The data sources for this research are the Leaders and Operational Managers of PT. UPS Pattallassang Sharia Pawnshop. Furthermore, the data collection methods used were interviews, documentation and observation. Then, data processing and analysis techniques were carried out through three stages, namely: data clarification, data reduction and data editing. The results of this study indicate that PT. UPS Pattallassang Sharia Pegadaian uses the Rahn Contract for the ARRUM financing product offered by PT. UPS Pattallassang Sharia Pegadaian to Customers. Under Rahn's contract, PT. Pegadaian Syariah UPS Pattallassang, which provides financing accompanied by collateral, for loans received, the party withholding obtains guarantees to take back all or part of their receivables.The implications of this research are: 1) Products at PT. Pegadaian Syariah UPS Pattallassang especially the ARRUM product should be disseminated to the community, especially the Muslim community, so that they know in detail about the mechanism used for business loans secured by motor vehicles. 2) Improvement of competent Human Resources (HR) in terms of muamalah practice so that they can improve performance and competitiveness with other institutions. Keywords: Islamic Law, Financing, Sharia Pawnshops

PERLINDUNGAN HUKUM BAGI NASABAH DALAM PELELANGAN BARANG JAMINAN DI PEGADAIAN SYARIAH CABANG HASANUDDIN GOWA Yusani, Rini; Hadi Daeng Mapuna; Mahmudah Mulia Muhammad
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 2 (2025): Januari
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.40186

Abstrak Perlindungan hukum bagi nasabah dalam pelelangan barang jaminan di Pegadaian Syariah Cabang Hasanuddin Gowa adalah jika nasabah mengalami penunggakan terhadap pinjaman yang diberikan kepada pihak pegadaian, barang jaminan yang dijadikan sebagai jaminan untuk mendapatkan pinjaman itu tidak langsung atau tidak serta merta pihak pegadaian melelang barang yang dijadikan sebagai jaminan, tetapi pihak pegadaian memberikan batas waktu 60 hari sebelum lelang dilaksanakan, atau memberitahukan terlebih dahulu kepada nasabah tersebut, jadi nasabah bisa melunasi terlebih dahulu sebelum barang jaminan itu dilelang. Rumusan masalah yaitu 1) Bagaimana praktik pelelangan barang jaminan di Pegadaian Syariah Cabang Hasanuddin Gowa? 2) Bagaimana bentuk perlindungan hukum bagi nasabah dalam pelelangan barang jaminan di Pegadaian Syariah Cabang Hasanuddin Gowa? Penelitian ini bersifat tinjauan lapangan (field research) dan menggunakan metode penelitian kualitatif. Pengumpulan data pada penelitian ini menggunakan metode wawancara, observasi dan dokumentasi. pegadaian syariah cabang hasanuddin gowa tetap pada tujuannya, salah satunya membantu masyarakat golongan menengah kebawah atau yang kurang mampu untuk mengatasi masalah ekonomi yang dibutuhkan, sehingga dapat mencegah dan menghindari golongan ekonomi lemah dari praktek lintah darat dan gelap akan bunga tinggi. Dan memberikan informasi kepada masyarakat umum ketika akan melakukan lelang, sehingga memberikan pengetahuan kepada masyarakat tentang lelang dan secara tidak langsung akan meningkatkan jumlah nasabah. Kata Kunci: Perlindungan Hukum, Pelelangan, Pegadaian Syariah Abstract Legal protection for customers in the auction of collateral items at Hasanuddin Gowa Branch Syariah Pawnshop is if the customer experiences arrears on loans given to the pawnshop, the collateral used as collateral to obtain the loan indirectly or indirectly the pawnshop auctions off the goods used as collateral collateral, but the pawnshop gives a deadline of 60 days before the auction is held, or notifies the customer in advance, so the customer can pay off before the collateral is auctioned. The formulation of the problem is 1) What is the practice of auctioning collateral items at the Hasanuddin Gowa Branch Sharia Pawnshop? 2) What is the form of legal protection for customers in the auction of collateral at the Hasanuddin Gowa Branch Sharia Pawnshop? This research is a field research and uses qualitative research methods. Collecting data in this study using interviews, observation and documentation. Pegadaian Syariah Hasanuddin Gowa branch remains true to its goals, one of which is to help the middle and lower class people or those who are less able to overcome needed economic problems, so as to prevent and avoid weak economic groups from the practice of loan sharks and illicit high interest rates. And provide information to the general public when going to auction, thus providing knowledge to the public about the auction and will indirectly increase the number of customers. Keywords: Legal Protection, Auctions, Sharia Pawnshops

REVIEW OF ISLAMIC LAW ON THE STATUS OF MOSQUE IMAMS AS ZAKAT MANAGERS IN TIROANG DISTRICT, PINRANG REGENCY (Analysis of MUI Fatwa No. 8 of 2011) Muh. Aidil Fitra, Aidil; M. Thahir Maloko; Mahmudah Mulia Muhammad
El-Iqthisadi Vol 7 No 1 (2025): Juni
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisady.vi.54538

Abstract The management of zakat in Tiroang District, Pinrang Regency is managed by the Imam of the mosque and in its management does not have legality from the government, as explained by Madeali that "the one who manages zakat in Tiroang District, Pinrang Regency is an Imam of the mosque". This is certainly not in accordance with the concept of amil zakat according to MUI Fatwa Number 8 of 2011 where amil is an individual or group appointed by the government to manage the implementation of zakat; or individuals or groups formed by the maysarakat and then authorized by the government to manage the implementation of zakat worship. The purpose of this study is to find out the practice of zakat management in Tiroang District, Pinrang Regency and to find out the provisions of Islamic law on the status of mosque imams as zakat managers in the area. This type of research is classified as qualitative with the approach used, namely the normative theology approach (Syar'i) and the empirical approach. The data collection methods carried out in this study are observation, interviews and documentation. The results of the study show that the management of zakat in Tiroang District, which is managed by the imam of the mosque, has been running for generations. The form of zakat management in Tiroang District is starting from receiving zakat from muzakki, then recording and distributing it to mustahik zakat. Regarding reporting, the imam of the mosque did not report to any party. In his duties as a zakat manager, the Imam of the Tiroang District mosque always takes a share of zakat of around 10%. The management of zakat carried out by the Imam of the mosque in Tiroang District according to Islamic law is legal. Muzakki has lost his obligation. However, regarding the status of the imam of the mosque in Tiroang District as a person who manages zakat cannot be called a zakat manager (amil zakat) as explained in the provisions of Islamic law that a zakat manager (amil zakat) is someone who is given the task/appointed by the government to take care of all matters related to zakat. This is because the Imam of the mosque in Tiroang District is not appointed/given the task by the government to manage zakat, but only based on the community's agreement to manage zakat. Keywords: Islamic Law, Imam of the Mosque, Zakat Manager

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