Rina Nurhayati
Universitas Padjadjaran

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Procedure for Maintenance of Collateral Goods in the Sharia Economic Perspective in the Subang Branch Pawnshop Ida Rosdiana; Rina Nurhayati; Moch. Cahyo Sucipto
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 4 No 1 (2020): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v4i1.123

Abstract

Artikel ini membahas tentang pemeliharaan barang jaminan yang merupakan biaya yang dibebankan kepada rahin/nasabah untuk menjaga dan merawat barang jaminan agar tidak hilang dan pada saat dikembalikan sama seperti yang diterima. Jumlah dari biaya yang dibebankan tersebut ditentukan berdasarkan nilai taksiran barang jaminan dan dalam jangka waktu yang ditentukan pada saat akad. Tujuan dari penelitian ini adalah untuk mengetahui aturan pelaksanaan pemeliharaan barang jamian dan untuk mengetahui pelaksanaan pemeliharaan barang jaminan di Pegadaian Cabang Subang. Dan tinjauan ekonomi syariah tentang pelaksanaan pemeliharaan barang jaminan. Metode penelitian yang digunakan adalah metode deskriptif kualitatif yaitu penelitian yang menggambarkan serta menyajikan suatu peristiwa yang terjadi di lapangan dengan menggunakan teknik pengumpulan tringulasi data yaitu melalui observasi, wawancara, dokumentasi, dan juga penelitian kepustakaan dengan membaca buku, jurnal, artikel, website yang berkaitan dengan masalah yang akan diteliti. Hasil penelitian menunjukan bahwa pelaksanaan pemeliharaan barang jaminan di Pegadaian Cabang Subang sudah sesuai dengan fatwa maupun peraturan pemerintah. Dalam fatwa maupun peraturan pemerintah pelaksanaan pemeliharaan barang jaminan diperbolehkan. Pegadaian berhak mengenakan biaya pemeliharaan barang jaminan kepada nasabah. Akan tetapi penulis tidak menemukan aturan yang menjelaskan mengenai nilai maksimal biaya pemeliharaan barang jaminan atau berapa besar biaya pemeliharaan barang jaminan yang seharusnya ditanggung oleh rahin. Pemeliharaan barang jaminan dibebankan kepada nasabah yaitu tergantung dari kebijakan atau peraturan masing-masing perusahaan
Analisis Praktik Giveaway Dalam Perspektif Ekonomi Syariah di Akun Instagram Arifah.id Temmy Zamilah; Rina Nurhayati; Eka Ahadiyat Suryana
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 6 No 1 (2022): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v6i1.404

Abstract

Every company must have a promotional media, one form of promotion that is mostly done by online shop business actors is to hold a giveaway. The purpose of this study is to find out the practice of giveaway on the Arifah.id Instagram account and to find out the giveaway practice on the Arifah.id Instagram account in the perspective of Islamic Economics. This research method uses qualitative research methods. And the research approach used is a case study approach. The results of this study, First, the holding of the giveaway on the Arifah.id Instagram account begins with the owner determining the requirements for participants who take part in the giveaway, after that the requirements and prizes are submitted in the Arifah.id Instagram account post, then participants follow the terms and conditions according to what has been submitted. in the Instagram post, then the owner determines the winner manually. After the winner is determined, the owner announces the giveaway winner on Instagram story by marking the winner's Instagram account, then the winner confirms personal data such as Full Name, Complete Address, No. Mobile phones, as well as prizes that the winners want from Arifah.id products. After receiving confirmation from the winner, the owner prepares the prize and sends the prize via J&T or JNE expedition, without any requirements for the winner to send the prize. Second, the practice of giveaway in the perspective of sharia economics is included in the ju'alah contract. The giveaway practice on Arifah.id's Instagram account is in accordance with the Fatwa of the National Sharia Council-Indonesian Ulema Council Number 62/DSN-MUI/XII/2007. This can be shown by fulfilling the pillars and conditions in the ju'alah contract, starting from Ja'il (the party holding the contest), Maj'ul Lah (the party doing the work of the competition and who is entitled to receive wages (ju'lu)), ' Amal (works that are contested), Ju'lu (promised wages), and Sighat (statements from the ja'il to maj'ul lah). And this research is also strengthened by Islamic Economics Experts that the practice of this giveaway is in accordance with sharia terms and conditions, which means it is permissible in Islam, because basically all forms of muamalah are allowed unless there is an argument that forbids it.