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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Asy-Syari'ah El-Mashlahah Al-Mustashfa Jurnal Ilmiah Ekonomi Islam Al-Amwal : Journal of Islamic Economic Law Journal of Islamic Economic Laws El-Furqania : Jurnal Ushuluddin dan Ilmu-Ilmu Keislaman EkBis: Jurnal Ekonomi dan Bisnis Al Maal: Journal of Islamic Economics and Banking AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah El Mudhorib Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Pariwisata Nusantara Qawanin: Journal of Economic Syaria Law Gunung Djati Conference Series Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Khazanah Hukum
Muhamad Izazi Nurjaman
UIN Sunan Gunung Djati Bandung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Examining Nature and Forest Tourism in the Era of the Covid-19 Pandemic on Sumatra Island Hardiansyah Tambunan; Doli Witro; Ilma Amalia; Muhamad Izazi Nurjaman; Mursal Mursal
Jurnal Pariwisata Nusantara (JUWITA) Vol. 1 No. 2 (2022): Jurnal Pariwisata Nusantara (JUWITA)
Publisher : PROGRAM STUDI PARIWISATA SYARAH, FAKULTAS EKONOMI DAN BISNIS ISLAM, UNIVERSITAS ISLAM NEGERI MATARAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (304.636 KB) | DOI: 10.20414/juwita.v1i2.5352

Abstract

Purpose: The aims of this study is to describe and analyze what happened to nature and forest tourism on the island of Sumatra in general during the covid-19 pandemic. Methods: This study uses a qualitative method with a literature research design. Data analysis techniques used are data reduction, data presentation, and drawing conclusions. Results: The results show that the nature and forest tourism sectors in North Sumatra, West Sumatra and Aceh have not been able to boost tourism back to its normal level. The social distancing policy is the main cause of the sluggish tourism activity on the island of Sumatra. Contribution: This research is expected to be able to provide a solution to the sluggish tourism sector during the COVID-19 pandemic.
Sharia Economic Law Perspective On Online Meeting Premium Account Leasing Muhamad Izazi Nurjaman; Sofian Al-Hakim; Iwan Setiawan; Doli Witro; Mualimin Mochammad Sahid
Journal of Islamic Economic Laws Vol 5, No 2: July 2022
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v5i2.18750

Abstract

In general, in leasing goods (ijarah ala al-a'yan) the object of the contract is the benefit that comes from tangible objects. However, it is different from renting a Zoom Meeting Premium account whose position is as application software. So that its position will have benefits if its use is collaborated with hardware as hardware. Meanwhile, if it is only the software that is being leased, how can the software have benefits as the object of an ijarah contract which is the benefit of an object. Therefore, this study will discuss the practice of renting a Zoom Meeting Premium account according to the perspective of sharia economic law. This research is a research that uses a descriptive case study method with an empirical juridical approach. The data analysis technique was carried out through three stages, namely data reduction, data presentation and conclusions. The results of this study find the fact that the position of Zoom Meeting is premium as an application software that is part of a computer program. While the computer program is part of the copyright in the form of intangible movable objects. So that there is the development of the object of the ijarah contract which is generally in the form of benefits derived from tangible objects which can also come from the benefits of intangible objects.
The Implementation Of Hybrid Contracts For Restructuring Non-Performing Financing In Sharia Banks Iwan Setiawan; Muhamad Izazi Nurjaman; Nana Herdiana
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 9, No 1: Januari 2022
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v9i1.13011

Abstract

Restructuring non-performing financing is one of the solutions to save financing performance as one of the largest contributors to Islamic banking revenue. However, in practice it is not easy for Islamic banks to do so, because Islamic banks must consider the precautionary principle which has implications for risks that will occur in the future. In addition, the use of hybrid contracts in the restructuring mechanism for non-performing financing is an integral part in minimizing these risks. This study tries to reveal the application of hybrid contracts in the restructuring of non-performing financing in Islamic banking.This article uses a descriptive literature research method obtained from the results of the analysis of the primary data source, namely the substance of the legislation and the DSN-MUI fatwa. So this research uses a normative juridical approach. This type of research includes qualitative research with data analysis techniques that provide a conclusion in the form of accountable information.The results of this study reveal the fact that the application of hybrid contract contracts in the restructuring of non-performing financing in Islamic banking uses a lot of hybrid types of assembled contracts (al-'uqud al-Mujtami'ah), namely the existence of an association of contracts between tabarru' (qordh) and contracts mu'awadhat (sale and purchase, ijarah, IMBT, mudharabah and musharaka). 
ANALISIS IMPLEMENTASI AKAD IJARAH DI PERBANKAN SYARIAH BERDASARKAN REGULASI DAN FATWA Doli Witro; Zufriani Zufriani; Arzam Arzam; Muhamad Izazi Nurjaman
Asy-Syari'ah Vol 23, No 2 (2021): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v23i2.14141

Abstract

Abstract: The jarah contract in Indonesia is regulated by various regulations, such as the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) and regulations from the Financial Services Authority (OJK). The fatwa and regulations are the references in the practice of contracts in Islamic financial institutions, one of which is Islamic banking. There may be a discrepancy between the practice of Islamic banking contracts and existing regulations. Therefore, this paper aims to analyze the harmonization between ijarah contract regulations in Indonesia and Islamic banking practices. This article is legal research that uses a normative juridical approach. The sample used in this study is the Indonesian Islamic Bank (BSI). The data analysis technique uses several steps, namely reducing or focusing data, presenting data, and drawing conclusions. The study results indicate that Islamic banking, namely, in this case, is BSI implementing the ijarah contract as one of the contracts used in the financing process. Several regulate ijarah contracts in Islamic Financial Institutions (LKS). The various regulations governing the ijarah contract refer to fiqh muamalah, which are then compiled and transformed into several regulations such as the DSN-MUI fatwa and OJK regulations. From the analysis of the implementation of the ijarah contract at BSI, there are no significant problems with the DSN-MUI fatwa and OJK regulations regarding the ijarah contract.Abstrak: Implementasi akad ijarah di Indonesia diatur dalam berbagai peraturan dari pihak pemangku kepentingan seperti fatwa Dewan Syariah Nasional Mejelis Ulama Indonesia (DSN-MUI) dan regulasi dari Otoritas Jasa Keuangan (OJK). Fatwa dan regulasi tersebut menjadi kiblat dalam praktik implementasi akad di lembaga keuangan syariah yakni salah satunya di perbankan syariah. Tidak menutup kemungkinan terdapat ketidaksesuaian antara praktik akad di perbankan syariah dengan regulasi yang ada.  Oleh karenanya, tulisan ini bertujuan untuk menganalisis harmonisasi antara regulasi akad ijarah di Indonesia dengan praktik di perbankan syariah. Artikel ini merupakan sebuah penelitian hukum yang menggunakan pendekatan yuridis normative. Sampel yang digunakan dalam penelitian ini adalah Bank Syariah Indonesia (BSI). Adapun teknik analisis datanya menggunakan beberpa langkah yaitu teknik mereduksi atau memfokuskan data, penyajian data, dan menarik sebuah kesimpulan. Hasil penelitian menunjukkan bahwa perbankan syariah yakni dalam hal ini adalah BSI menerapkan akad ijarah menjadi satu di antara akad yang digunakan dalam proses pembiayaan. Terdapat beberapa yang mengatur akad ijarah dalam Lembaga Keuangan Syariah (LKS). Berbagai regulasi yang mengatur akad ijarah tersebut mengacu pada fiqh muamalah yang kemudian diformulasikan dan ditransformasikan menjadi beberapa regulasi seperti fatwa DSN-MUI dan regulasi OJK. Dari hasil analisis implementasi akad ijarah di BSI, tidak terdapat kesenjangan krusial dengan fatwa DSN-MUI dan regulasi OJK mengenai akad ijarah. 
Legal Consequences of Implementing Ijarah Contracts in Sukuk Issuance Sisi Ade Linda; Iwan Setiawan; Muhamad Izazi Nurjaman
Qawanin: Jurnal of Economic Syaria Law Vol 7 No 1 (2023): June
Publisher : Fakultas Syariah IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/qaw.v7i1.192

Abstract

Currently, the development of the Islamic capital market shows rapid progress, as evidenced by the increase in the index in the JII (Jakarta Islamic Index) list. The presence of Islamic financial products such as sharia invests is considered to be a solution to investment problems that have occurred recently. One of the islamic financial products that is developing today is sukuk. Today sukuk has become one of the strongest elements in the Islamic economy. one type of sukuk in Indonesia is the ijarah sukuk. The research method used in this study is a qualitative method with a descriptive approach, which collects data related to sukuk in the ijarah contract taken from sources such as books, journals, skrpisi, thesis, and other related sources. The results showed that the Ijarah sukuk is a type of letter that indicates an ownership of an asset, for which the asset is leased. This sukuk is one type of letter that can be traded because the sukuk gives the right to the holders to get money from the lease proceeds as well as the right to transfer ownership without any taking rights from the tenant.
EKSISTENSI KEDUDUKAN FATWA DSN MUI TERHADAP KEBERLANGSUNGAN OPERASIONAL BISNIS DI LEMBAGA KEUANGAN SYARIAH Muhamad Izazi Nurjaman; Dena Ayu
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 9 No. 2 (2021): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v9i2.245

Abstract

Penelitian ini membahas tentang eksistensi kedudukan fatwa DSN MUI terhadap keberlangsungan operasional bisnis di lembaga keuangan syariah. Dengan menggunakan metode penelitian deskriptif yang bersifat kepustakaan, penelitian ini menemukan fakta bahwa kedudukan fatwa DSN MUI menjadi salah satu prasyarat dalam menentukan ketetapan suatu produk di lembaga keuangan syariah. Ketika produk yang di ajukan oleh DPS masing-masing lembaga keuangan syariah mendapatkan ketentuan fatwa dari DSN MUI. Maka produk perbankan syariah itu telah sesuai dengan tuntunan syariat Islam serta ketentuan fatwa tersebut menjadi payung hukum dalam menjalankan produk yang menjadi daya tarik bagi para nasabah. Apalagi sampai dilegitimasi oleh undang-undang maupun Peraturan Bank Indonesia. Sehingga fatwa DSN MUI tersebut mejadi ketentuan hukum yang mengikat bagi seluruh lembaga keuangan syariah. Dengan demikian, ketentuan fatwa tersebut secara tidak langsung menjadi salah satu faktor yang menentukan keberlangsungan segala operasional bisnis di lembaga keuangan syariah yang memiliki manfaat dan keberkahan bagi semua pihak yang menjalankannya, baik itu bagi LKS sebagai otoritas yang memiliki penawaran produk maupun bagi nasabah sebagai pemakai produk
Praktik Riba Dan Bunga Bank: Telaah Etika Dalam Ekonomi Islam Muhamad Izazi Nurjaman; Syahrul Anwar
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 10 No. 1 (2022): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v10i1.296

Abstract

Kedudukan etika dalam sistem ekonomi Islam merupakan satu kesatuan yang tidak dapat dipisahkan sebagai indikator suatu bisnis dapat dilakukan berdasarkan prinsip ekonomi Islam. Salah satu perilaku bisnis yang tidak sesuai dengan etika ekonomi Islam adalah praktik riba. Sehingga Allah SWT mengharamkan praktik tersebut secara mutlak. Namun dalam perkembangnnya, terdapat konsep bunga bank yang memiliki kriteria yang sama dengan konsep riba. Sehingga terjadi gejolak pemikiran di antara para ulama cendekiawan muslim yang melahirkan perbedaan ketetapan hukum yang berakibat kepada kedudukan etika bisnis dalam praktik suku bunga tersebut. Artikel ini menggunakan metode deskriptif yang bersifat kepuastakaan. Sehingga literatur pustaka menjadi sumber data primernya. Adapun jenis penelitian ini termasuk kedalam bentuk penelitian kualitatif dengan sebuah teknis analisis data yang memberikan sebuah kesimpulan dalam bentuk fakta dan keterangan. Hasil penelitian ini mengungkapkan fakta bahwa kedudukan praktik riba yang diharamkan mengandung unsur kedzaliman dan ketidakseimbangan norma hukum dalam bisnis. Adapun berkaitan dengan penerapan etika terhadap bunga bank didasarkan kepada pandangan ulama terkait kedudukan bunga bank sama atau tidak kedudukannya dengan konsep riba. Namun dalam perkembangannya, kedudukan konsep bunga bank dapat digantikan dengan konsep bagi hasil dengan keberanekaragaman akadnya, sehingga memberikan kepastian hukum dan kemaslahatan terhadap kegiatan bisnis yang selalu memperhatikan etika ekonomi Islam dalam penerapannya.
Implementation Of Agreements In Multi Level Marketing (Mlm) Business Schemes Based On Sharia Principles Muhamad Izazi Nurjaman; Ikin Rojikin; Hulaiva Pary; Syarif Hasim; Dena Ayu
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10815

Abstract

Scholars have different opinions regarding MLM business schemes, some forbid and some for conditional permissibility. As for the juhur of contemporary scholars, many of them forbid it. However, the DSN-MUI through Fatwa Number 75 of 2009 allows MLM business schemes on condition that the implementation of a contract is in accordance with sharia principles. Therefore, this study will analyze the implementation of the contract in the MLM business scheme. This research includes sharia economic law research using a descriptive method of literature with a normative juridical approach using secondary data in the form of DSN-MUI Fatwas. This type of research is qualitative research with data analysis techniques, namely data reduction, data presentation and conclusions. The results of this study reveal that based on the substance of the DSN-MUI Fatwa Number 75 of 2009, MLM business schemes can use several contracts, namely murabaha, wakalah bi al-ujrah, ju'alah, ijarah and other contracts determined by DSN-MUI according to sharia principles, one of them is the Samsarah contract. However, the contract that is widely used in MLM business schemes is the ju'alah contract. Meanwhile, if you look at the MLM business scheme, which contains elements of intermediary services, services for selling products and recruiting new members which are part of the achievements that must be completed, then the appropriate contract is a hybrid contract between a samsarah contract and a ju'alah contract.
POSITION OF THE QUR’AN MEMORY AS A PRICE PAYMENT MEDIA IN BUY AND SELL Nurjaman, Muhamad Izazi; Al-Hakim, Sofian; Naafisah, Didah Durrotun; Witro, Doli
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 8, No 2 (2023)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v8i2.13411

Abstract

AbstractThis research intends to describe a theme regarding the view of sharia economic law on the media of payment for buying and selling prices using the memorization of the Al-Qur’an. Using descriptive research (case study) through the method of collecting information in the form of interviews and documentation. This research found the fact that the view of sharia economic law equates or qiyas between the media of paying prices using the memorization of the Al-Qur’an with the dowry in the marriage contract. Giving a dowry is allowed to memorize the Al-Qur’an with the provision that it is mandatory to teach the Qur’an, as well as the practice of buying and selling. So that there is a wage in the form of benefits. Meanwhile, benefits include assets. So between the dowry and the price of both is something that has qimah madiyyah (property value). Indirectly, the buyer pays the price using the ujrah of the teaching. So that the harmony of buying and selling has been fulfilled properly and non-material benefits will lead to a business concept full of blessings.Keywords: Buy and Sell; Price; Wedding; Dowry; Memorizing Al-Quran.
SISTEM MARKETING RENTENIR: SKEMA BARU PERLUASAN JANGKAUAN PERBANKAN SYARIAH Muhamad Izazi Nurjaman; Fadli Daud Abdullah
Gunung Djati Conference Series Vol. 42 (2024): Seminar Nasional Ekonomi dan Bisnis Islam
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk menganalisis sistem marketing rentenir yang dapat menjadi skema baru perluasan jangkauan perbankan syariah. Adapun penelitian ini termasuk penelitian pustaka dengan metode penelitian deskriptif analisis. Teknik analisis data dilakukan dengan tiga tahapan yaitu reduksi data, sajian data dan kesimpulan. Hasil penelitian ini mengungkapkan bahwa keberhasilan marketing rentenir yang mampu menjangkau masyarakat pedesaan dalam menikmati layanan keuangan dapat diadopsi oleh bank syariah untuk berperan aktif di tengah-tengah masyarakat. Adapun untuk mewujudkan hal itu bank syariah dapat mendirikan pusat layanan (kantor cabang) di lokasi strategis, mengadopsi fleksibilitas dan kemudahan persyaratan peminjaman yang menjadi daya tarik dari rentenir serta merancang inovasi produk yang memberikan manfaat dan kemaslahatan bagi masyarakat pedesaan. Selain itu juga, bank syariah dapat melakukan edukasi dan pelatihan terkait produk perbankan syariah dalam rangka meningkatkan literasi keuangan syariah bagi masyarakat.
Co-Authors Camelia Sofwan Al-Rasyid Dena Ayu Dena Ayu Dewi Amrom Musta’idah Doli Witro Fadli Daud Abdullah Gojali, Dudang Hardiansyah Tambunan Helmi Muti Sofie Hulaiva Pary Iib Hibaturohman Ikin Rojikin Ilma Amalia Imaro Sidqi Istianah Istianah iwan setiawan Mohammad Sar'an Mualimin Mochammad Sahid Mursal Mursal Naafisah, Didah Durrotun Nana Herdiana Pitriani Pitriani Sisi Ade Linda Sofian Al Hakim, Sofian Syahrul Anwar Syarif Hasim Witro, Doli Witro, Doli Yumna Hasna’ Azizah Zufriani Zufriani