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FATWA TENTANG HADIAH DI LEMBAGA KEUANGAN SYARIAH Jaih Mubarok; Hasanudin Hasanudin; Yulizar D Sanrego
MIQOT: Jurnal Ilmu-ilmu Keislaman Vol 37, No 2 (2013)
Publisher : State Islamic University North Sumatra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/miqot.v37i2.86

Abstract

Abstrak: Kajian ini dilakukan untuk menggali hukum tentang pemberian hadiah oleh Lembaga Keuangan Syariah (LKS) kepada nasabah berupa cindera mata maupun hadiah yang bersifat material pada saat pembukaan rekening dengan cara undian. Akad wadî‘ah dalam produk penghimpunan dana LKS secara substantif sama dengan akad qardh karena di dalamnya terkandung izin penggunaan objek yang dititipkan. Karena itu, akad wadî‘ah tersebut termasuk domain akad tabarru’. Sedangkan akad mudhârabah termasuk akad bisnis yang dikategorikan sebagai akad mu‘âwadhat/ tijârî. Jâ’izah tasjî‘iyah juga sama kedudukannya dengan akad mudhârabah, yaitu termasuk domain mu‘âwadhat. Karena itu, penulis menyimpulkan bahwa tidak relevan penggunaan jâ’izah tasjî‘iyah dalam memasarkan produk penghimpunan dana LKS yang menggunakan akad wadî‘ah atau qardh. Sebaliknya, jâ’izah tasjî‘iyah layak dipertimbangkan untuk digunakan dalam mempromosikan produk LKS yang meng- gunakan akad yang termasuk domain mu‘âwadhat.Abstract: Personal Legal Opinion on Present in Syari’ah Financial Insti- tution. This study is aimed at deducting legal ruling of material gift or present offered by the Syari’ah financial institution (LKS) for their clients at the time of opening account by way of lottery. Wadî‘ah contract in collecting LKS funds is substantially similar to that of qardh contract because permission to usufruct the stored object is inherent in the contract, therefore such wadî‘ah contract is included in the domain of tabarru’. Mudhârabah contract, on the other hand, comprises business contract which is categorized as mu‘âwadhat or tijârî contract. Jâ’izah tasjî‘iyah also have the same status as mudhârabah contract which is included in the mu‘âwadhat domain. As such, the authors conclude that it is irrelevant to use jâ’izah tasjî‘iyah in selling the product of LKS fund collection with wadî‘ah or qardh contract. Conversely, jâ’izah tasjî‘iyah is worthy of considering to be used in promoting LKS product using contract that comprises in the mu‘âwadhat sphere.Kata Kunci: hadiah, fatwa, mu‘âwadhat, qardh, wadî‘ah
The Implementation of Waqf as ‘Urf in Indonesia Ani Yumarni; Gemala Dewi; Jaih Mubarok; Wirdyaningsih Wirdyaningsih; Anna Sardiana
Sriwijaya Law Review Volume 5 Issue 2, July 2021
Publisher : Faculty of Law, Sriwijaya University, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28946/slrev.Vol5.Iss2.1126.pp287-299

Abstract

As a tradition that has been practised for a long time, waqf or endowment is clear evidence that Muslims in Indonesia are developing through this worship. However, what if the waqf is in the form of a mosque, Islamic school, and grave (3M’s waqf). It is an unusual thing in the contemporary Islamic tradition, but its existence persists. Meanwhile, 'Urf as one of the legal propositions in establishing Islamic law has known the concept and has been practised for generations in suburban areas where most of the population is Muslim. This tradition is then accommodated in Law Number 41 of 2004 concerning endowment, which contains land endowment and endowment organiser (nazhir). This paper examines the tradition of endowment in Indonesian society to benefit mosques, Islamic schools, and graves. By using the historical and analytical-conceptual approaches, this paper will analyse waqf in these three forms. The results of this study can be taken into consideration by stakeholders in developing strategies for strengthening and empowering 3M's donated land to create benefits for the Indonesian since 3M’s endowment is commonly found in Indonesian society. 
AL-IJARAH AL-MUNTAHIYAH BI AL-TAMLIK (IMBT) DALAM PERSPEKTIF ANATOMI KONTRAK BISNIS Jaih Mubarok
Al Qalam Vol 26 No 2 (2009): May - August 2009
Publisher : Center for Research and Community Service of UIN Sultan Maulana Hasanuddin Banten-Serang City-Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (874.301 KB) | DOI: 10.32678/alqalam.v26i2.1551

Abstract

AI-Ijarah al-Muntahiyyah bi al-Tamlik (IMBT) is conceptually almost the same as leasing which is conducted by world financial institutions, including those of in Indonesia. IMBT is a service product of syari'a financial institution which is transparant and is able to involve the third party whenever it is necessary. In the context of Indonesia, economic syari'a is culturally designed and run by the Coumil of Indonesian Ulama (MUI). In order to regulate the bussiness in the syari'a system, MUI forms the Council of National Syari'a (DSN) issuing the fatwas; in order to give monitoring, DSN places The Board ef Syari'a Controller (DPS) in every business unit which uses syari'a system; in order to solve the syari'a business disputation, MUI forms the Arbitration Board of National Syari'a (Basyarnas). Moreover, The State has structurally accomodated the system of syari'a business in law and regulation. Therefore, The openess characteristics (the principle of free based contract) which is also practiced in the contract of IMBT is restricted by the law and regulation and considered appropriate in syari'a point of view based on DSN-MUI fatwas.
LITERATUR FIKIH Jaih Mubarok
Al Qalam Vol 22 No 1 (2005): January - April 2005
Publisher : Center for Research and Community Service of UIN Sultan Maulana Hasanuddin Banten-Serang City-Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (520.048 KB) | DOI: 10.32678/alqalam.v22i1.1440

Abstract

Sejarah pelestarian dan perkembangan pengetahuan dan keilmuan manusia dilakukan dengan dua cara yaitu dihafal dan ditulis. Hafalan melahirkan tradisi lisan seperti pada cerita rakyat, sedangkan tulisan melahirkan pula tradisi cetak dan penerbitan. Proses penulisan dan pelestarian sebuah karya sangat penting disebabkan dua hal, yaitu: pertama, banyaknya orang yang masih berpegang pada tradisi lisan; dan kedua, tradisi tulis dapat dilahirkan tanpa hubungan secara fisik antara guru dan muridnya. Kata Kunci: fiqih, hukum Islam, sejarah, literatur
PENERAPAN AKAD ISTISHNA’ PADA KPR SYARIAH ASTER VILLAGE CIWASTRA DI PT ROYAL BRIDEA INDONESIA Risma Nurmala; Jaih Mubarok; Muhammad Hasanudin
Al-Muamalat: Jurnal Ekonomi Syariah Vol 7, No 1 (2020): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v7i1.10859

Abstract

In the case of house purchases in it will be given the breadth to continue or cancel the contract (khiyar), in the implementation of the Aster Village Ciwastra only allow khiyar majelis while khiyar conditions are not allowed. This study aims to determine the concept of Aster Village Ciwastra sharia mortgages at PT Royal Bridea Indonesia, know the operational system of Aster Village Ciwastra sharia mortgages at PT Royal Bridea Indonesia, and the application of the istishna 'contract that has been applied, is it in accordance with DSN-MUI fatwa No 06 year 2000 about buying and selling istishna'. The method used is descriptive which aims to explain or describe the practice of istishna contract 'at Aster Village Ciwasta. Based on the results of the study, it can be concluded 1). The concept of sharia mortgages used by Aster Village Ciwastra at PT Royal Bridea Indonesia is a concept of ownership that is paid directly to the developer without involving the bank. 2). Sharia KPR operational system used is a 5-year KPRS with a system without a bank, without interest, without confiscation, and without a contract that is false. 3). The application of the istishna contract 'at Aster Village Ciwastra sharia mortgages at PT Royal Bridea Indonesia was reviewed with fatwa No 06 / DSN - MUI / IV / 2000 concerning the sale and purchase of istishna' not yet in full compliance, namely in the case of the provisions of item 5 (mustashni buyers' may not be allowed sell goods before the recipient) and 7 (in case there is a defect or the goods are not in accordance with the agreement, the customer has a khiyar right (the right to vote) to continue or cancel the contract), whereas in the implementation prior to the agreement it has been stipulated that only allows the khiyar of the assembly while the khiyar is a condition not allowed. There are also other matters regarding the provisions of points 2 and 3.
PELAKSANAAN AKAD TABARRU’ DAN AKAD WAKALAH BIL UJRAH PADA PRODUK ASURANSI SYARIAH DI AXA MANDIRI KCP BUAH BATU Syaukani Rahmat; Jaih Mubarok
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 2 (2019): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v6i2.9647

Abstract

                 ABSTRACTMandiri Syariah Sejahtera Syariah is a product issued by one of the conventional insurance companies, namely AXA Mandiri, which is a sharia-based insurance product that has both the first benefit of the potential benefits of using tabarru 'contract and the second benefit is using the wakalah bil ujrah contract. The purpose of this study was to determine 1) the mechanism of implementation of tabarru 'contract in the Mandiri Sejahtera (MRS) product on Axa Mandiri at KCP Buah Batu Bandung 2) mechanism for the implementation of the wakalah bil ujrah contract in the Mandiri Rencana Sejahtera (MRS) product on Axa Mandiri on KCP Buah Batu Bandung 3) Assessment of Syari'ah Economic Law (Muamalah) on the implementation of tabarru 'contract and the contract of wakalah bil Ujrah in the Mandiri Sejahtera (MRS) product on Axa Mandiri at KCP Buah Batu Bandung. The conceptual framework or concept of problem solving in this study uses two DSN- MUI  fatwas,  first  Fatwa  No.53  /  DSN-MUI  /  III  /  2006  concerning  Tabarru. 'Agreement on Sharia Insurance and No.NDN. 52 / DSN-MUI / III / 2006 concerning the Wakalah Agreement on Uj Ujrah on Sharia Insurance and Sharia Reinsurance. The type of research used in this study is empirical research (socio legal research). Using descriptive analysis method, while the data collection method is through interviews, documentation and literature study, which is collecting, compiling, analyzing, managing data and drawing conclusions from this study. The conclusion obtained from this study is that 1) the implementation of the tabarru contract in which policyholders grant their funds to PT Axa Mandiri and are collected in separate accounts with other funds. 2) Implementation of the wakalah bil ujrah contract, where the customers represent PT Axa Mandiri to manage these funds in sharia instruments, divide the results when there is a surplus underwriting and perform Qardh (pinjman) in the event of a deficit. 3) As well as a review of Sharia Economic Law in the DSN fatwa No. 53 / DSN-MUI / III / 2006 concerning Tabarru 'Agreement on Sharia Insurance and No.NDN. 52 / DSN-MUI / III / 2006 concerning the Wakalah Agreement  Bil  Ujrah  on  Sharia  Insurance  and  Sharia  Reinsurance.  Against the implementation of the Tabarru 'Agreement and the Wakalah Bil ujrah contract in the Mandiri Renacana Sejahtera product in AXA Mandiri KCP Buahbatu is in accordance with Sharia Principles. But regarding the provisions of the contract not written down or clearly explained about the rights and obligations between the participants as participants in the group meaning. Where should be explained such as the rights andgations of participants as individuals so that there is clarity in the participants' understanding of the rights and obligations of the participants. 
Dinamika Pemikiran Hukum Islam di Indonesia Jaih Mubarok
Unisia No. 48: Tahun XXVI Triwulan II 2003
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/unisia.vol26.iss48.art1

Abstract

There are spesific trends in modern development of Islamic law in Indonesia. Most of the moslems are getting committed to theirown legal reasoning (ijtihad), or at least to the fatwa or legal decision given by ulama (moslem jurists) in the Islamic organization to which they join, instead of four classical established schools. As Indonesian Moslem do not recognize the concept of 'ishmah or ma'shum, the chance for liberalization of ijtihad is extremely huge.
HEDGING SEBAGAI SOLUSI DARI PENGELOLAAN DANA HAJI Ikhsan, Muhammad Miftahul; Shofya Humaira Siti Salma; Jaih Mubarok; Sofyan Al-Hakim
El-Iqthisadi Volume 5 Nomor 2 Desember 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/el-iqthisady.vi.43427

Abstract

Abstrak Indonesia menjadi negara jumlah penduduk muslim terbesar dengan jumlah 240,62 juta jiwa. banyaknya muslim di Indonesia beribadah kerumah Allah melaksanakan ibadah haji. Jenis penelitian ini menggunakan penelitian kepustakaan yang mengambil data melalui informasi dengan mendapatkan bahan Pustaka, Teknik data yang telah didapatkan dengan mengkaji serta menganalisa, baik berbentuk buku, jurnal, hasil penelitian. Serta dengan menggunakan Teknik analisis deskriptif. Langkah pemerintah yakni membuat Lembaga yang khusus mengelola dana haji yakni Badan Pengelola keuangan haji. Bentuk pengelolaan dana haji merujuk pada Fatwa DSN No. 122 terkait pengelolaan biaya penyelenggaran ibadah haji dan BPIH Khusus bahwa akad yang dipakai dalam pengelolaan dana haji adalah wakalah. Pada dasarnya bahwa nilai uang dari tahun ke tahun akan menurun harganya karena disebabkan banyak hal salah satunya inflasi, untuk mengurangi penurunan nilai. Hedging (Lindung Nilai) ialah mekanisme atau Teknik dalam mengurangi resiko yang terjadi maupun yang diperkirakan akan terjadi karena fluktuasi nilai tukar. Mekanisme dari proses lindung nilai syariah atas nilai tukar dengan Akad al-Tahawwuth al-Basith, Para pihak saling berjanji baik secara tertulis maupun tidak untuk melaksanakan satu kali transaksi spot (pembelian serta penjualan mata uang asing sebagai penyerahan) dimasa yang akan datang sesuai dengan kesepakatan. Perlunya dilakukan hedging supaya ada keterikatan kontrak kita sebagai jamaah. Kata Kunci: Haji, Hedging, Pengelolaan Dana Haji Abstract Indonesia is the country with the largest Muslim population with 240.62 million people. This type of research uses literature research that takes data through information by obtaining library materials, data techniques that have been obtained by reviewing and analyzing, both in the form of books, journals, research results. As well as by using descriptive analysis techniques. The government's step is to create an institution that specifically manages Hajj funds, namely the Hajj Financial Management Agency. to reduce the decline in value. Hedging is a mechanism or technique in reducing risks that occur or are expected to occur due to exchange rate fluctuations. The mechanism of the Islamic hedging process on exchange rates with Akad al-Tahawwuth al-Basith, the parties mutually promise either in writing or not to carry out one-time spot transactions (purchase and sale of foreign currencies as delivery) in the future in accordance with the agreement. The need for Hajj fund management is carried out by hedging so that there is an attachment to our contract as pilgrims, represented by the Hajj Financial Management Agency to Saudi Arabia Where the exchange of currency from rupiah to riyal is not too high if something happens in the future. Keywords: Hajj, Hajj Fund Management, Hedging
Kaidah Al Masyghul La Yushghal Dalam Konteks Akad Musyarakah Mutanaqisah Rusdi Rizki Lubis; Jaih Mubarok
Jurnal Ekonomi Islam Vol 2 No 2 (2023): August 2023
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/iefj.v2i2.148

Abstract

This article describes the principles of al-masyghul la yusyghal fiqh principles in one of the Islamic economic practices, namely the musyarakah mutanaqisah contract. The method used is descriptive literature by collecting various literature related to the object of study. This research tries to explore the law of musyarakah mutanaqisah contracts which are commonly used in sharia banking in Indonesia in relation to their legal status using one of the rules of fiqh. This research concludes that the musyarakah mutanaqisah contract is no different from the rules of al-masyghul la yusyghal fiqh because in principle these fiqh rules can only be applied to provisions if the law of origin of an object changes its nature and position. This is also in accordance with DSN-MUI fatwa Number 73 of 2008 concerning Musyarakah Mutanaqisah and DSN-MUI Decree Number 1 of 2013 concerning Guidelines for Implementing Musyarakah Mutanaqisah in Financing Products.
Carbon Credit Trading: A Juridical and Fiqh Muamalah Review Nuradi, Nuradi; Husnul Khatimah; Jaih Mubarok; Muhammad Furqon Almurni
NUKHBATUL 'ULUM: Jurnal Bidang Kajian Islam Vol. 11 No. 1 (2025): NUKHBATUL 'ULUM: Jurnal Bidang Kajian Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M) Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/nukhbah.v11i1.2046

Abstract

This paper examines carbon credit trading from both juridical and fiqh muamalah perspectives. Carbon trading as promoted under the Kyoto Protocol and the Paris Agreement, has become a strategic instrument for mitigating climate change by assigning value to verified emission reductions. As interest in environmental finance grows, assessing its alignment with Islamic legal principles is increasingly important. This study employs a qualitative library research method using a descriptive-analytical approach. Data sources include national and international laws, classical and contemporary Islamic legal texts, and academic journal articles relevant to the topic. The findings show that, from a juridical perspective, the Emission Reduction Purchase Agreement (ERPA) positions carbon credit trading within the framework of civil law, especially in contract and property law domains. From the fiqh muamalah perspective, carbon trading can be interpreted through the concept of ijarah bi al-manfa’ah, where the tradable benefit is the certified reduction of emissions. In this context, countries or companies engaged in reforestation or low-emission initiatives provide measurable environmental services to higher-emission entities, who compensate them financially. The study concludes that carbon credit trading, when implemented with transparency and fairness, aligns with both legal and sharia principles. The novelty of this research lies in its integrative analysis, offering a conceptual bridge between modern environmental policy and Islamic commercial jurisprudence, providing insights for regulators, Islamic finance institutions, and policy-makers seeking to develop sharia-compliant environmental instruments.