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TINJAUAN HUKUM ISLAM TERHADAP SISTEM TANGGUNG RENTENG DALAM PINJAMAN MODAL USAHA DI PT BINA ARTHA VENTURA CABANG BINAMU KABUPATEN JENEPONTO Rahman, Putri; Muhammad Yaasiin Raya
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Volume 5 Nomor 1 Oktober 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.39242

Abstrak Pokok masalah penelitian ini bagaimana Tinjauan Hukum Islam terhadap sistem tanggung renteng dalam pinjaman modal usaha di PT Bina Artha Ventura cabang Binamu Kabupaten Jeneponto. Dari pokok masalah tersebut maka dirumuskanlah sub masalah yaitu: Bagaimana proseis Tanggung Renteng dalam pinjaman modal usaha di PT Bina Artha Ventura cabang Binamu Kabupaten Jeneponto dan Bagaimana tinjauan hukum Islam terhadap perjanjian tanggung renteing dalam pinjaman modal usaha di PT Biina Artha Ventura cabang Binamu Kabupaten Jeneponto. Penelitian ini bersifat tinjauan lapangan (field research) dan menggunakan metode penelitian kualitatif. Pengumpulan data pada penelitian ini menggunakan metode wawancara, obsevasi, dan dokumentasi. PT Bina Artha Ventura merupakan lembaga keuangan non-bank yang bergerak dalam pembiayaan mikro terhadap pengusaha perempuan yang bertujuan menstabilkan perekonomian masyarakat ekonomi mikro dengan modal Rp. 3.000.000-8.000.000 yang dapat diangsur sebanyak 31 kali angsuran perdua minggu. Yang menggunakan prinsip bagi hasil. Menurut tinjauan hukum Islam perihal sistem tanggung renteng dalam pinjaman modal usaha di PT Bina Artha ventura Cabang Binamu Kabupaten Jeneponto, telah memenuhi rukun dan syarat yang telah ditetapkan. Apabila ditinjau dari teori kafalah sudah sesuai dengan hukum Islam dan konsep tanggung renteng, karena dalam teori disebutkan bahwa makful anhu atau orang yang berutang menurut fatwa Dewan Syariah Nassional No:11/DSN-MUI/IV/2000 tentang kafalah yaitu sanggup menyerahkan tanggungannya kepada penjamin dan dikenal oleh penjamin. Adanya progrom pinjaman modal usaha di PT Bina Artha Ventura ini diharapkan mampu menjadi wadah bagi rumah tangga yang berpenghasilan rendah yang bergerak di usaha mikro dan kecil agar dapat mencapai peningkatan ekonomi dan sosial. Kata Kunci: Hukum Islam, Kafalah, Qardh, Tanggung Renteng Abstract The main problem of this research is how to review Islamic law on the joint responsibility system in business capital loans at PT Bina Artha Ventura, Binamu branch, Jeneponto Regency. From the main problem, the sub-problems are formulated, namely: How is the process of joint responsibility in working capital loans at PT Bina Artha Ventura Binamu branch, Jeneponto Regency and how is the review of Islamic law regarding loan-holding agreements in business capital loans at PT Biina Artha Ventura, Binamu branch, Jeneponto Regency. This research is a field research and uses qualitative research methods. Collecting data in this study using interviews, observation, and documentation. PT Bina Artha Ventura is a non-bank financial institution engaged in micro-financing for women entrepreneurs with the aim of stabilizing the economy of micro-economic communities with a capital of Rp. 3,000,000-8,000,000 which can be paid in 31 installments every two weeks. Which uses the principle of profit sharing. According to a review of Islamic law regarding the joint responsibility system in business capital loans at PT Bina Artha Ventura, Binamu Branch, Jeneponto Regency, it has fulfilled the pillars and conditions that have been set. If viewed from the theory of kafalah it is in accordance with Islamic law and the concept of joint responsibility, because in theory it is stated that makful anhu or the person who owes it according to the fatwa of the National Sharia Council No: 11/DSN-MUI/IV/2000 concerning kafalah, namely being able to hand over their dependents to the guarantor and recognized by the guarantor. The existence of a business capital loan program at PT Bina Artha Ventura is expected to be a place for low-income households engaged in micro and small businesses in order to achieve economic and social improvements. Keywords: Islamic Law, Kafalah, Qardh, Joint Responsibility

TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP PRAKTIK JUAL BELI BAHAN BAKAR MINYAK (BBM) JENIS SOLAR DI KELURAHAN ANABANUA KABUPATEN WAJO Baso Idrus; Muhammad Yaasiin Raya; Bariek Ramdhani Pababbari
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.39376

Abstrak Kelurahan Anabanua Kabupaten Wajo memiliki area pertanian cukup luas sehingga mayoritas masyarakat disana bekerja sebagai petani, oleh karena itu kebutuhan akan solar sangat tinggi untuk membajak sawah. Hal ini kemudian pihak PT. Pertamina kewalahan memenuhi penyediaan bahan bakar tersebut. Memanfaatkan keadaan ini kemudian terdapat oknum yang ikut menjual solar juga. Rumusan masalah yaitu 1) Bagaimana praktik jual beli bahan bakar minyak (BBM) jenis solar di Kelurahan Anabanua Kabupaten Wajo 2) Bagaimana ketentuan hukum ekonomi syariah terhadap praktik jual beli bahan bakar minyak (BBM) jenis solar di Kelurahan Anabanua Kabupaten Wajo. Penelitian ini bersifat tinjauan lapangan (field research) dan menggunakan metode penelitian kualitatif. Pengumpulan data pada penelitian ini menggunakan metode wawancara, observasi dan dokumentasi. Jual beilii Bahan Bakar Miinyak (BBM) jeiniis solar rukun dan syarat peinjual yang harus diipeinuhii oleih piihak peinjual dan peimbeilii teilah teirpeinuhii oleih meireika. Rukun jual beilii yaknii peinjual, peimbeilii, lafal akad, dan barang yang diipeirjualbeiliikan sudah teirpeinuhii beiseirta syarat-syarat yang harus diipeinuhii. Akan teitapii, siifat jual beilii Bahan Bakar Miinyak (BBM) jeiniis solar teirdapat unsur peiniipuannya (Gharar) Kata Kunci: Bahan Bakar Minyak (BBM), Hukum Islam, Jual Beli Abstract Anabanua Village, Wajo Regency has a large enough agricultural area so that the majority of the people there work as farmers, therefore the need for diesel fuel is very high to plow the fields. It is then the PT. Pertamina is overwhelmed to meet the supply of fuel. Taking advantage of this situation, there are people who also sell diesel fuel. The formulation of the problem is 1) How is the practice of buying and selling diesel fuel (BBM) in Anabanua Village, Wajo Regency 2) What are the provisions of sharia economic law regarding the practice of buying and selling diesel fuel (BBM) types of diesel in Anabanua Village, Wajo Regency. This research is a field research and uses qualitative research methods. Collecting data in this study using interviews, observation and documentation. Sale and purchase of fuel oil (BBM) is diesel according to the terms and conditions of the seller that must be fulfilled by the seller and the buyer must be met by the dealer. The pillars of sale and purchase are the seller, the buyer, the wording of the contract, and the goods being sold and bought have already been met, including the conditions that must be met. However, the nature of buying and selling diesel fuel (BBM) has an element of deception (Gharar). Keywords: Fuel Oil (BBM), Islamic Law, Buying and Selling.

IMPLEMENTATION ASPECT OF LAW NUMBER 11 OF 2010 IN EFFORTS TO IMPROVE THE ECONOMIC WELFARE OF THE COMMUNITY IN RELATION TO THE CONSERVATION OF CULTURAL HERITAGE Erwin Mansyur Ugu Saraka; Muhammad Yaasiin Raya; Syarifuddin
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.54533

Abstract The transition from Law Number 5 of 1992 on cultural heritage to Law Number 11 of 2010 occurred because the previous law was deemed no longer aligned with the developments, demands, and legal needs of society. Therefore, a replacement was necessary. Moreover, Law Number 11 of 2010 is more focused on the involvement of the community in the management of cultural heritage. This aspect forms the basis of this research, which aims to examine the implementation of the law in relation to the preservation of cultural heritage for the enhancement of the economy and the well-being of society, as outlined in the articles of the law. Literature studies, legal analysis, and case studies are the methods employed in this research. Data analysis is conducted qualitatively with an inductive approach, alongside explanatory analysis to draw conclusions. As a result, several explanations within the articles of Law Number 11 of 2010 prioritise the enhancement of the economy and the well-being of society, both in terms of the paradigm of cultural heritage preservation and its management as an integrated effort to protect, develop spatial planning (zones), and utilise cultural heritage effectively. Furthermore, efforts to improve the welfare of the community through the management and utilisation of cultural heritage must be proportionate to the efforts made for its preservation. Keywords: Cultural Heritage, Law, Preservation, Community Welfare

TINJAUAN HUKUM ISLAM TERHADAP PELAKSANAAN SISTEM AKAD RAHN PADA GADAI SAWAH (MAPPASANRA) DI DESA TOMPO BULU, KECAMATAN BALOCCI, KABUPATEN PANGKEP Muhammad Yaasiin Raya; Zulfahri Ramadhan; Muh. Taufik Amin
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.v1i1 Juni.57675

Abstrak Pokok permasalahan pada penelitian ini membahas tentang Tinjauan Hukum Islam Terhadap Pelaksanaan Sistem akad Rahn Pada Gadai Sawah (Mappasanra) Di Desa Tompo Bulu, Kecamatan Balocci, Kabupaten Pangkep. Adapun sub masalah dalam penelitian ini adalah: 1.) Bagaimana praktik pelaksanaan gadai sawah (Mappasanra) oleh petani di Desa Tompo Bulu, Kec. Balocci, Kab. Pangkep? Dan 2.) Bagaimana tinjauan hukum islam terhadap pelaksanaan sistem akad rahn pada gadai sawah? Penelitian ini merupakan jenis penelitian deskriptif kualitatif, dengan menggunakan pendekatan budaya dan pendekatan sosiologis. Sumber data yang digunakan yaitu berupa dokumen-dokumen resmi, buku-buku, jurnal, al-Qur’an, hadist, dan kitab-kitab fiqh yang berhubungan dengan objek penelitian. Selanjutnya pengumpulan data melalui observasi, wawancara dan dokumentasi. Teknik analisis data yang digunakan yaitu Reduksi data, penyajian dan penarikan kesimpulan. Hasil penelitian mengungkapkan bahwa Gadai (rahn) hukumnya dibolehkan berdasarkan Al-Quran, Sunah dan Ijma. Para ulama telah sepakat bahwa gadai itu boleh. Perjanjian gadai sawah di Desa Tompo Bulu ini. berlangsung sekitar 2 sampai 5 tahun. Apabila waktu pelunasan utang sudah jatuh tempo, namun pihak penggadai belum memiliki uang maka akan diberi perpanjangan waktu, bahkan ada perjanjian tanpa batas waktu. Kata Kunci: Tinjauan Hukum Islam, Gadai, Sawah Abstract The main problem in this research discusses the Review of Islamic Law on the Implementation of the Rahn Contract System in Pawning Rice Fields (mappasanra) in Tompo Bulu Village, Balocci District, Pangkep Regency. The sub-problems in this research are: 1.) What is the practice of pawning rice fields (mappasanra) by farmers in Tompo Bulu Village, Kec. Balocci, Kab. Pangkep? And 2.) How does Islamic law review the implementation of the rahn contract system in pawning rice fields? This research is a type of qualitative descriptive research, using a cultural approach and a sociological approach. The data sources used are official documents, books, journals, the Koran, hadith and fiqh books related to the research object. Next, data collection is done through observation, interviews and documentation. The data analysis techniques used are data reduction, presentation and drawing conclusions. The results of the research reveal that Pawning (rahn) is legally permissible based on the Al-Quran, Sunnah and Ijma. The scholars have agreed that pawning is permissible. Agreement to pawn rice fields in Tompo Bulu Village. lasts around 2 to 5 years. If the debt repayment time is due, but the pawnbroker does not yet have the money, they will be given an extension of time, and there are even agreements without a time limit. Keywords: Review of Islamic Law, Pawn, Ricefield

TINJAUAN HUKUM ISLAM TERHADAP SISTEM PEMBAGIAN UPAH TENAGA KERJA PADA CV. MUARA KITA DI KOTA MAKASSAR Muhammad Yaasiin Raya; Fathurrahman, Achmad; Ashabul Kahpi; Ismail Hannan
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 4 (2025): Juli
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.v6i4.42119

Abstrak Islam adalah sistem kehidupan universal yang mengatur semua aspek kehidupan manusia termasuk akidah, ibadah, akhlak dan muamalah. Dalam muamalah prinsip tolong-menolong dapat mencakup berbagai hal salah satunya ialah kerja sama antar manusia. Dalam sebuah kerja sama juga harus ada yang namanya toleransi antar sesama, salah satunya pada penggantian jumlah upah pekerja. Pokok permasalahan yang akan dikaji dalam penelitian ini adalah bagaimana Tinjauan Ekonomi Syariah Terhadap Upah Tenaga Kerja Pada CV. Muara Kita dii Kota Makassar, yang dibagi menjadi: 1) Bagaimana sistem pembagian upah tenaga kerja pada CV. Muara Kita; 2) Bagaimana ketentuan hukum Islam terhadap sistem pembagian upah. tenaga kerja pada CV. Muara Kita. Jenis penelitian yang akan digunakan adalah penelitian deskriptif kualitatif lapangan (field research). Proses pengumpulan data dilakukan melalui metode observasi, wawancara, dan dokumentasi. Berdasarkan hasil penelitian yang dilakukan menunjukkan bahwa Sistem penetapan upah yang ditetapkan oleh perusahaan CV. Muara Kita kepada pekerja dibagi menjadi 2, yaitu sistem pembayaran upah bulanan yang diberikan kepada Manajer Marketing, Finance Manajer, Purchasing, administrasi, dan pegawai tetap. Dan Menurut hukum Islam tentang aplikasi pemberian upah pada tenaga kerja dii CV. Muara Kita, telah sesuai dengan ketentuan hukum Islam dari segi keadilan dalam pemberian upah. Di dalam perjanjian awal (akad) seharusnya dijelaskan secara mendetail mengenai penentuan jumlah upah dan ketetapan waktu pemberian upah. Hendaknya perusahaan tersebut dapat mengembangkan usaha agar ketetapan upah untuk pekerja tetap dan tidak tetap dapat sesuai dengan ketentuan hukum Islam dan ketentuan upah yang berlaku pada suatu wilayah. Kata Kunci : Hukum Islam, Upah, Tenaga Kerja. Abstract Islam is a universal life system that regulates all aspects of human life including faith, worship, morals and muamalah. In muamalah the principle of mutual help can cover a variety of things, one of which is cooperation between humans. In a cooperation there must also be tolerance between people, one of which is the replacement of the amount of workers' wages. The main problem that will be studied in this study is how the Islamic Economic Review of Labor Wages at CV. Muara Kita in Makassar City, which is divided into: 1) What is the wage distribution system for CV. Our Estuary; 2) What are the provisions of Islamic law regarding the wage distribution system. workforce at CV. Our Estuary. The type of research that will be used is descriptive qualitative field research. The process of collecting data is done through observation, interviews, and documentation. Based on the results of the research conducted, it shows that the wage setting system set by the company CV. Muara Kita to workers is divided into 2, namely the monthly wage payment system given to Marketing Managers, Finance Managers, Purchasing, administration, and permanent employees. And according to Islamic law regarding the application of wages to workers in CV. Muara Kita, has complied with the provisions of Islamic law in terms of fairness in the provision of wages. In the initial agreement (akad) it should be explained in detail regarding the determination of the amount of wages and the stipulation of the time for giving wages. The company should be able to develop a business so that the determination of wages for permanent and non-permanent workers can comply with the provisions of Islamic law and the wage provisions that apply in an area. Keywords: Islamic Law, Wages, Labor.

ANALISIS KEWENANGAN DAN TANTANGAN KOMISI YUDISIAL DALAM PENGAWASAN KODE ETIK HAKIM PENGADILAN AGAMA DI SULAWESI SELATAN Khalil Mushaddiq; Nurfaika Ishak; Muhammad Yaasiin Raya
Qadauna: Jurnal Ilmiah Mahasiswa Hukum Keluarga Islam Vol 6 No 3
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/qadauna.v6i3.56813

This study aims to analyze the authority of the Judicial Commission in supervising the code of ethics of judges in Religious Courts, as well as the challenges faced in its implementation. The research employs a qualitative approach with field research methods, utilizing primary data from interviews with Judicial Commission officials and secondary data from relevant legislation and official documents, which were analyzed descriptively. The findings reveal that the South Sulawesi Judicial Commission Liaison serves as an extension of the central Judicial Commission, with authority limited to monitoring judicial behavior, the application of the Code of Ethics and Guidelines for Judicial Conduct (KEPPH), and courtroom proceedings. The main obstacle lies in the broad scope of supervision compared to the limited number of personnel, only four members, necessitating a strategy of building community networks to obtain information on suspected ethical violations. The study recommends two measures: first, increasing the number of liaison members in each region; and second, strengthening the authority of the Judicial Commission so that it not only provides recommendations but also possesses executorial power in enforcing judicial ethics.

ANALISIS DAN KRITIK TERHADAP TULISAN Prof. Dr. Ni’matul Huda, S.H., M.Hum TENTANG URGENSI PARTISIPASI MASYARAKAT DALAM PEMBENTUKAN PERATURAN PERUNDANG-UNDANGAN YANG DEMOKRATIS (Ditinjau dari Perspektif Hukum Tata Negara dan Hukum Administrasi Negara) Muhammad Yaasiin Raya
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 1 (2025): Oktober
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.v7i1.62576

Abstrak Tulisan ini mengkaji pemikiran Prof. Dr. Ni’matul Huda, S.H., M.Hum. tentang “Urgensi Partisipasi Masyarakat dalam Pembentukan Peraturan Perundang-undangan yang Demokratis” dari perspektif Hukum Tata Negara (HTN) dan Hukum Administrasi Negara (HAN). Kajian ini berangkat dari masalah lemahnya pelaksanaan partisipasi publik dalam proses legislasi di Indonesia, meskipun telah diatur dalam Pasal 96 Undang-Undang Nomor 12 Tahun 2011 tentang Pembentukan Peraturan Perundang-undangan dan Pasal 10 ayat (1) huruf f Undang-Undang Nomor 30 Tahun 2014 tentang Administrasi Pemerintahan. Metode penelitian yang digunakan adalah pendekatan normatif-konseptual, dengan menelaah ketentuan konstitusional, prinsip asas-asas umum pemerintahan yang baik (AUPB), dan doktrin partisipasi publik dalam sistem demokrasi konstitusional. Hasil kajian menunjukkan bahwa: (1) dalam perspektif HTN, partisipasi publik merupakan wujud pelaksanaan kedaulatan rakyat dan ukuran konstitusionalitas formil suatu undang-undang; (2) dalam perspektif HAN, partisipasi publik merupakan kewajiban administratif negara dan sarana kontrol sosial terhadap kekuasaan pemerintah; (3) praktik legislasi di Indonesia masih bersifat formalistik dan belum menjamin partisipasi yang bermakna (meaningful participation). Tulisan ini merekomendasikan reformasi kelembagaan dan regulasi melalui revisi UU No. 12 Tahun 2011 agar memuat kewajiban Public Consultation Report, penguatan uji formil di Mahkamah Konstitusi, dan penerapan sistem e-legislation untuk memperluas akses masyarakat. Kajian ini menegaskan bahwa sinergi antara hukum tata negara dan hukum administrasi negara diperlukan untuk mewujudkan pembentukan peraturan perundang-undangan yang benar-benar demokratis, partisipatif, dan akuntabel. Kata Kunci: Partisipasi Masyarakat, Demokrasi Konstitusional, Pembentukan Undang-Undang, Hukum Tata Negara, Hukum Administrasi Negara. Abstract This paper analyzes the ideas of Prof. Dr. Ni’matul Huda, S.H., M.Hum. in her work “The Urgency of Public Participation in the Formation of Democratic Legislation” from the perspectives of Constitutional Law and Administrative Law. The study originates from the persistent issue of weak public participation in Indonesia’s legislative process, despite its formal recognition in Article 96 of Law No. 12 of 2011 on the Formation of Laws and Regulations and Article 10 paragraph (1) letter f of Law No. 30 of 2014 on Administrative Governance. Using a normative and conceptual approach, this research examines constitutional provisions, principles of good governance (AUPB), and public participation doctrines within the framework of constitutional democracy. The findings reveal that: (1) from the constitutional law perspective, public participation represents the implementation of popular sovereignty and serves as a measure of the formal constitutionality of legislation; (2) from the administrative law perspective, it is an administrative obligation of the state and a mechanism of social control over governmental power; and (3) in practice, Indonesia’s legislative process remains formalistic and fails to ensure meaningful participation. This paper recommends institutional and regulatory reforms, including revising Law No. 12 of 2011 to mandate a Public Consultation Report, strengthening formal judicial review in the Constitutional Court, and implementing a national e-legislation system to enhance transparency and public involvement. The study concludes that synergy between constitutional and administrative law is essential to realizing a genuinely democratic, participatory, and accountable legislative process. Keywords: Public Participation, Constitutional Democracy, Legislative Process, Constitutional Law, Administrative Law.

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