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Analisis Bankir Syariah sebagai Nazir Wakaf Uang Pada Bank Syariah di Indonesia) Ishandawi, Ishandawi; Hakim, Atang Abdul; Muharni, Yusraini
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11670

Abstract

Tujuan penelitian untuk mengkaji peluang perbankan syariah menjadi Nazir wakaf Uang Mengkaji keunggulan bankir syariah sebagai Nazir wakaf Uang. Objek penelitian adalah perbankan syariah di Indonesia, Metode Penelitian kualitatif, informan penelitian stakeholder perbankan syariah dengan kolektif data berupa wawancara dan data dokumentasi. Analisis data menggunakan deskriptif kualitatif. Penelitian menggunakan stakeholder theory dan agency Theory. Hasil penelitian membuktikan bankir perbankan syariah sangat berpeluang mengelola dana wakaf uang secara profesional sehingga dapat membentuk dana abadi dan merupakan sumber dana murah bagi perbankan syariah. Keuntungan Bankir syariah sebagai wakaf uang pertama dikelola oleh Lembaga profesional dan kredibel. Kedua Meningkatkan kepercayaan wakif untuk menyalurkan dana wakafnya. Ketiga Memiliki tingkat risiko rendah karena dikelola secara profesional dan akuntabel. Keempat Memberikan jaminan kepada maukuf alaih sebagai orang yang berhak menerima manfaat dari wakaf uang. Implikasi penelitian Sebagai inovasi produk baru menghimpun dana Masyarakat dalam bentuk dana abadi dan sumber dana murah sehingga memberikan keuntungan ganda bagi perbankan syariah produk penghimpunan dana abadi dan murah ini tidak dimiliki oleh perbankan konvensional. Limitasi penelitian ini, terkendala dengan regulasi sehingga bankir syariah belum dapat menjalankan fungsi nazir wakaf uang, sehingga dihimbau kepada stakeholder dapat seperti Otoritas jasa Keuangan, Badan wakaf Indonesia dan praktisi perbankan untuk mendorong regulasi menjadikan bankir syariah sebagai nazir wakaf uang. Keywords: Nazir wakaf uang, Bankir Syariah, Teori stakeholder dan teori agensi
Sharia Cooperative Business Dispute Resolution in Indonesia Accepted Under the Guidelines of Sharia Economic Law Nurjamil; Oyo Sunaryo; Atang Abdul Hakim
International Journal of Integrative Sciences Vol. 3 No. 1 (2024): January 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijis.v3i1.7746

Abstract

The purpose of this study was to clarify how Sharia Economic Law is used to settle disputes involving cooperative businesses in Indonesia. This study uses a qualitative approach to the literature to investigate secondary data sources pertaining to Indonesian legislation and regulations pertaining to commercial conflict resolution. The findings demonstrated the crucial role that sharia cooperatives play in the Islamic economic system, particularly as a substitute finance source for the lower middle class. According to Indonesia's legal system, sharia business disputes, including those involving sharia cooperative businesses, can be settled through family mediation, legal proceedings in religious courts with absolute jurisdiction, arbitration, or alternative dispute resolution organizations like LAPSPI (banking), BMAI (insurance), BMDP (pension funds), BAPMI (capital market), BMPPVI (venture capital), and BAMPPI (guarantee). The establishment of LAPS Cooperatives that mesh well with the cooperative's spirit and have access to human resources with expertise in sharia-based cooperative business become crucial factors to take into consideration. Sharia cooperatives are seen as a unique type of business entity that operate member-based businesses that simultaneously hold two statuses (owner and user) and cooperative wealth owned by all cooperative members who run their businesses according to sharia principles
Pengembangan Pemikiran Tentang Biaya Tambahan Restrukturisasi terhadap NPF (Non Performing Financing) Pembiayaan Murabahah Fadhil, Fakhry; Mukhlas, Oyo Sunaryo; Hakim, Atang Abdul
Al Barakat Vol 5 No 2 (2025): Al Barakat: Jurnal Kajian Hukum Ekonomi Syariah
Publisher : Program Studi Hukum Ekonomi Syariah (Muamalah)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/jab.v5i2.317

Abstract

Rescheduling in murabahah financing in Islamic banking as well as the legal basis for the enactment of additional fees based on the DSN-MUI fatwa. Rescheduling is one of the restructuring instruments that aims to provide leeway for customers who have difficulty paying obligations. However, it is different from the provisions of POJK No.11/POJK.03/2015 that there are no additional fees. The results of the research that the basis of this DSN fatwa can be traced through the ʿillat of the law of fiqh muamalah. First, the rule of al-ghurm bil-ghunm emphasizes that every profit must be in line with the risk or cost, so it is natural that the customer who wants to change the contract also bears the costs incurred. Second, the rule of al-masyaqqah tajlibut-taysir shows that difficulties bring convenience, where rescheduling is a form of relief so that customers avoid default, but the convenience still requires compensation for the administrative and legal consequences that arise. Third, it emphasizes the difference between riba and ujrah, where additional costs are interpreted as transparent real cost recovery, not speculative additions. Fourth, from the perspective of maqāṣid al-sharīʿah, this ability reflects the principles of justice (al-ʿadālah) and benefit (al-maṣlaḥah), so that there is no unilateral loss for the bank or the customer.
The Effectiveness of Islamic Economic Law in The Application of the Halal Value Chain (HVC) Ecosystem in the Halal Food and Beverage Industry in Indonesia Barri, Abdul; Hadiat, Hadiat; Al-Hakim, Sofian; Hakim, Atang Abdul
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 1 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i1.2931

Abstract

Indonesia's potential in the halal industry at this time is very calculated, because Indonesia is the country with the largest Muslim population in the world. This role should not only be seen as a captive market, but also should encourage the growth of the halal industry in Indonesia that is able to compete globally.  But in reality, currently Indonesia's halal food and beverage industry has not been included in the top 10 countries with the best halal food and beverage performance in the world. Whereas on the other hand, Indonesia actually has a great opportunity to develop halal products in this sector. The purpose of this study is to determine the effectiveness of Islamic economic law in the application of the halal value chain (HVC) ecosystem in the halal food and beverage industry in Indonesia.  This research method uses a qualitative type of research with a descriptive analysis approach.  The implementation of this researchwas carried out at food and beverage companies in Indonesia. The subject of the study was the Head of General Affairs of  halal food and beverage managers and halal food and beverage  employees  in Indonesia. The subject was taken by purposive sampling. The researcher's goal  is to take the problems that exist in the Indonesian halal food and beverage industry by implementing the Halal Value Chain ecosystem.  Data collection techniques were carried out by observation, interviews, and questionnaires conducted to the Head of General Affairs of the food and beverage industry. The results of this study show that based on data from the Central Stastistic Agency (BPS) related to the Data on the Number of Halal Food and Beverage Exports in 2022 After the implementation of HVC shows that there is an increase in the export process and a reduction in the Import process, this means that the application of HVC in halal food and beverages in Indonesia is very influential so that it can increase the effectiveness of the halal product even though it has not fully run optimally.  The supporting factors for the success of HVC are government support, dedicated assets, information technology, human resource management, collaborative partnerships, halal certification and halal traceability
THE DIALECTIC OF USURY AND LIQUIDITY NEEDS: AN ISLAMIC LEGAL REVIEW OF SHARIA BANK FUND PLACEMENTS IN CONVENTIONAL BANKS IN INDONESIA Iib Hibaturohman; Atang Abdul Hakim; Dena Ayu; Muhammad Tegar Syaekhudin
al-Mawarid Jurnal Syariah dan Hukum (JSYH) Vol. 8 No. 1 (2026): al-Mawarid Jurnal Syariah dan Hukum (JSYH)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/mawarid.vol8.iss1.art2

Abstract

Purpose - This study departs from the normative problem of placing Islamic bank funds in conventional banks, which continues amid limited Islamic liquidity instruments, causing tension between the qaṭ‘ī prohibition of usury and the need for systemic liquidity in the dual banking system. This study aims to determine the extent to which the placement of Islamic bank funds in conventional banks is permissible under Islamic law and the limits of permissibility that can be maintained without reducing the principle of non-usury (ribā). Method - This study uses a normative qualitative method based on fiqh and uṣūl al-fiqh analysis oriented towards maqāṣid al-sharī‘ah, with analysis techniques in the form of content analysis and comparative legal analysis of the views of contemporary scholars, DSN-MUI fatwas, and Indonesian and Financial Services Authority regulations. Finding - The permissibility of fund placement can only be positioned as a temporary rukhsah based on ḥājah that is close to systemic emergency, with operational indicators in the form of the absence of adequate sharia liquidity instruments, time and nominal restrictions in proportion, non-interest schemes, and strict and continuous sharia supervision. The legitimacy of this permissibility is casuistic and contextual and cannot be normalized as a permanent practice in Shariah banking liquidity management. This study affirms a moderate-critical normative approach that acknowledges the regulatory reality in the dual banking system while still placing the non-usury principle and the principle of Sharia prudence as the main ethical-juridical boundaries in preventing the shift of Sharia principles in contemporary financial practices. Contribution - This research contributes to the conceptual reformulation of temporary rukhsah as an operational legal category in contemporary fiqh al-mu‘āmalah and the strengthening of sharia liquidity instruments. Limitations - The limitations of this research lie in its predominantly normative-conceptual basis of analysis, which is not yet supported by comparative empirical data across Islamic banking institutions.