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All Journal IQTISHADIA Dusturiah : Jurnal Hukum Islam, Perundang-undangan dan Pranata Sosial Jurnal Ilmiah Peuradeun PETITA: Jurnal Kajian Ilmu Hukum dan Syariah (PJKIHdS) SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Journal of Sharia Economics Share: Jurnal Ekonomi dan Keuangan Islam Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah JURISTA : Jurnal Hukum dan Keadilan Proceeding of International Conference on Multidisciplinary Research Al-Mudharabah
Bismi Khalidin
Universitas Islam Negeri Ar-Raniry Banda Aceh
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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IMPLEMENTASI KHIYÂR TA’YĪN PADA TRANSAKSI JUAL BELI PRODUK AMWAY DALAM PERSPEKTIF HUKUM ISLAM: Studi Kasus Pada Amway Cabang Kota Banda Aceh Nuri, Hayatun; Khalidin, Bismi; Jamhir, Jamhir
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 2 (2021): Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/iqtishadiah.v2i2.1407

Abstract

FEE SYSTEM ANALYSIS AND ITS DISPARITY UNDER BSI SMART AGENT SERVICES : In The Samsarah Perspective Khalidin, Bismi; Zahara, Alfi
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 3 No. 2 (2022): Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/iqtishadiah.v3i2.2393

Abstract

The agreement of the two parties in entering into an agreement is part of the legal requirements for the validity of the agreement. The purpose of this study is to determine the fee rate determined by BSI management, the fee disparity set by BSI Smart Agent management with similar services, and the perspective of the samsarah contract on fee levels and their disparities with similar services. This research explores a descriptive method and the data was collected through interviews and documentation. The study found that, based on data analysis in the agreement, BSI management has arranged systematically and clearly regarding the level of fees in which the agent will receive. In the agreement, it is stated that the agent must comply with all the conditions set. The fee disparity occurs because BSI management has set rules for fee rates but the agent does not understand the rules that have been approved and ratified by both parties, in which this action causes the contract requirements not to be fulfilled. This study concludes that in reality there is a problem in the implementation of the samsarah contract carried out by the agent, namely applying a different fee system from the contents of the agreement without the consent of both parties
THE CONCEPT OF TAX IN THE PERSPECTIVE OF ABU UBAID : A Relevance With The Tax System In Indonesia Musa, Armiadi; Binti Ilyas, Irawati; Khalidin, Bismi
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 4 No. 1 (2023): Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/iqtishadiah.v4i1.3003

Abstract

This article examined if the implementation of tax policies in Indonesia adopts the Islamic concepts or not. In doing so, the article refers to Ubaid’s concepts on tax collection as advocated in the Islamic community. The main concern of the article was at exploring realities and practices during the implementation of tax policies to the Indonesian citizens, which in turns affecting the Muslim societies as well. This inquiry was explored usingqualitative method, in which the socio-economics approach was used as the basis of analysis. The data was collected using interviews of reputable figures in the field of Islamic economics and tax policies. The research findings disclosed that the Indonesian tax policies have partially adopted the Ubaid’s concepts on tax collection. In term of legal sources, the Indonesian tax policies have fully referred to the Indonesian tax law, and few of them have similarities with Ubaid’s concepts of the tax collection.
APPLICATION OF MUSYARAKAH MUTANAQISAH CONTRACT IN FINANCING AT BANK ACEH SHARI'AH Faradilla, Riska; Khalidin, Bismi
JURISTA: Jurnal Hukum dan Keadilan Vol. 8 No. 1 (2024): JURISTA: Jurnal Hukum dan Keadilan
Publisher : Centre for Adat and Legal Studies of Aceh Province (CeFALSAP)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jurista.v8i1.139

Abstract

The purpose of this article is to find out the form of the implementation of the Musyarakah Mutanaqisah contract at Bank Aceh Syari'ah and to find out the obstacles in the implementation of the contract by Bank Acerh Syari'ah. This research used a qualitative approach, which the primary data gathered from the interview, and focus group discussion. While the secondary data found from other related resources such as books, journal and other articles related to this topic. Ther rersurlt found that ther contract as a form of cooperation involving two or more parties, where each includes capital and share the results according to the agreement. Musyarakah financing offered by Bank Aceh Syariah provides capital support to customers, with risks and benefits shared based on the contribution of each party. The Bank faces various obstacles in the implementation of the contract in financing scheme, including customary dishonesty, low product demand, and public misunderstanding of the system. The Musyarakah Mutanaqisah agreement is implemented based on the Indonesia Ulama Council decision No.01/DSN-MUI/X/2013 concerning the implementation of the musyarakah mutanaqisah agreement in financing products which is an important step in regulating finance to operate in accordance with sharia principles, which aims to advance the community’s economy and implement Islamic sharia comprehensively.
INTERVENSI BULOG TERHADAP KELANGKAAN BERAS MENURUT PERSPEKTIF TAS’IR AL-JABARI: (Studi Kasus pada Perum Bulog Divisi Regional Aceh) Bismi Khalidin; Rahmi Wahyuni
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 1 No. 1 (2020): Al-Mudharabah : Jurnal ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v2i1.821

Abstract

Beras pada waktu tertentu dapat mengalami kelangkaan dikarenakan berbagai macam permasalahan, Perum Bulog memiliki wewenang untuk mengatasi kelangkaan beras dengan melakukan intervensi. Pertanyaan penelitian dalam skripsi ini adalah bagaimanakah intervensi Perum Bulog Divisi Regional Aceh terhadap kelangkaan beras, bagaimanakah upaya Perum Bulog dalam menangani kelangkaan beras dan bagaimanakah perspektif tas’ir al-jabari terhadap intervensi Perum Bulog pada kelangkaan beras. Penelitian ini menggunakan penelitian lapangan (field research) dan penelitian kepustakaan (library research). Jenis penelitian ini adalah suatu penelitian yang menunjukkan pemecahan permasalahan yang aktual dengan jalan menyusun, menganalisa, dan menginterprestasi seluruh data yang berhubungan dengan penulisan. Hasil penelitian mengenai intervensi Perum Bulog terhadap kelangkaan beras dimana Bulog mengintervensi secara rutin setiap permasalahan yang terjadi berdasarkan surat perintah dari Bulog Pusat dan bekerjasama dengan Dinas Pertanian, Badan Pusat Statistik dan Dinas Perindustrian dan Perdagangan untuk melakukan operasi pasar yang bertujuan untuk mencegah terjadinya kelangkaan beras. Upaya Bulog dalam menangani kelangkaan beras Bulog akan melakukan operasi pasar dengan menyalurkan stok cadangan beras yang ada di gudang Bulog ke setiap toko yang ada di Aceh yang telah memiliki ikatan kerjasama, dan upaya terakhir yaitu melakukan impor beras. Intervensi yang dilakukan oleh Perum Bulog sesuai dengan konsep tas’ir al-jabari. Konsep tas’ir al-jabari ini dapat dilakukan oleh Bulog dalam menangani masalah kelangkaan beras. Dari paparan di atas dapat disimpulkan bahwa, intervensi pemerintah terhadap kelangkaan beras dapat dilakukan oleh Perum Bulog sesuai dengan perintah dari Bulog Pusat dimana intervensi yang dilakukan sesuai dengan hukum islam karena dilihat dari kemaslahatan masyarakat.
TRANSAKSI JUAL BELI NON TUNAI ANTARA PETANI TAMBAK DAN PEDAGANG DALAM PERSPEKTIF AKAD BAI’ AL-DAIN: Suatu Penelitian di Kecamatan Nurussalam Aceh Timur Sukma Klara Prihatini; Bismi Khalidin; Faisal Fauzan
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 2 No. 2 (2021): Al-Mudharabah : Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v3i2.2009

Abstract

Petani tambak di Kecamatan Nurussalam tidak mempunyai modal yang cukup untuk memulai usaha pertambakan sehingga mereka terpaksa berhutang kepada pedagang untuk memenuhi kebutuhan yang diperlukan meskipun mereka harus menerima persyaratan tertentu yang ditetapkan pedagang seperti tidak boleh menjual hasil panen kepada pihak lain dan harga penjualan yang mereka tetapkan lebih rendah daripada harga pasar. Adapun tujuan penelitian ini untuk menjawab permasalahan mengenai mekanisme transaksi jual beli non tunai antara pedagang dan petani tambak, penetapan harga yang dilakukan pihak pedagang terhadap hasil tambak, serta tinjauan akad ba’i al-dayn terhadap transaksi non tunai antara petani tambak dan pedagang. Penulisan skripsi ini menggunakan pendekatan deskriptif analisis, data diperoleh melalui studi kepustakaan dan penelitian lapangan. Hasil penelitian menunjukkan bahwa transaksi jual beli non tunai ini dilaksanakan dengan cara petani tambak yang kekurangan modal berhutang kepada pedagang berupa kebutuhan yang diperlukan dengan syarat mereka harus menjual seluruh hasil panen kepada pedagang sebagai salah satu langkah pengembalian utang dan kemudian hasil penjualan tersebut dipotong dengan jumlah utang yang ada dan sisanya diserahkan kembali dengan jangka tempo tertentu. Seluruh perjanjian yang dilaksanakan tidak ada bukti tertulis serta tidak menghadirkan para saksi sebagaimana yang dianjurkan dalam Islam. Terkait harga penjualan hasil panen ditetapkan langsung oleh pedagang dimana harga yang ditetapkan lebih rendah daripada harga di pasaran. Perbedaan harga tersebut mencapai Rp.1000-2000/Kg dan ini merupakan suatu bentuk kezaliman yang dilarang dalam Islam.
ANALISIS PENETAPAN UPAH BURUH PETANI CABAI BERDASARKAN WAKTU KERJA MENURUT PERSPEKTIF IJĀRAḤ ‘ALA AL-‘AMAL : Suatu Penelitian pada Petani Cabai di Kecamatan Lhoong Aceh Besar Willy Ninda Azhari; Bismi Khalidin; Faisal Fauzan
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 3 No. 1 (2022): Al-Mudharabah : Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v4i1.2022

Abstract

ANALYSIS OF CAPITAL FINANCING PRACTICES IN ISLAMIC FINANCIAL INSTITUTIONS Khalidin, Bismi; Fadhillah. R, Rayhan
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 4 No. 1 (2023): Al-Mudharabah : Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v4i1.3046

Abstract

One of the Sharia financial institutions that contributes effectively to distributing business capital financing is PT. Permodalan Nasional Madani (PNM) through the Fostering a Prosperous Family Economy (PNM Mekaar) program.  The practice of capital financing at PNM Mekaar Syariah Aceh Besar uses a joint liability system.  The type of research used by the author is qualitative research with data collection techniques using field research, which is research that aims to obtain data that is carried out by going directly into the field related to the focus of the research. To collect data, the techniques used are interviews and documentation. In this study, the author found that in the practice of capital financing carried out by PNM Mekaar, there is no guarantee. If there is one member who does not make PKM (Weekly Group Meeting) installments, then the other group members are responsible for paying off the installments. Therefore, it can be concluded that each member of the group is a guarantee for the other members in paying off the installments.
LEGAL PROTECTION OF THE COMMUNITY BANDA ACEH CITY IN USING COSMETICS NON-HALAL LEBEL REVIEWED FROM AKAD SELLING Sholihah, Nurul Imratu; Khalidin, Bismi; Jefry Tarantang
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2023): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v4i2.5641

Abstract

This research aims to answer 3 research questions, namely how the form of legal protection for consumers who use non-halal cosmetic products, how the form of use of non-halal label cosmetic products, and how the perspective of Islamic law on the legal protection of non-halal label cosmetic consumers in the city of Banda Aceh. The research method used is descriptive analysis, namely data collection techniques in the form of field and literature studies. The results of this study indicate that the form of legal protection for consumers who use non-halal labelled cosmetic products carried out by the Banda Aceh city government is by imposing jinayah sanctions. Both in the form of flogging, imprisonment, and fines in accordance with Aceh Qanun Number 8 of 2016 concerning the Halal Guarantee System. The form of use of non-halal labelled cosmetic products in the people of Banda Aceh city varies, namely Special UV whitening, bb cream night and day, Doolby lipstick, make over, and so on. This product is used for skin beauty on the face, hands and body. The perspective of Islamic law on legal protection for consumers of non-halal labelled cosmetics in the city of Banda Aceh in the sale and purchase contract must be carried out so that consumers are protected from buying and selling which contains elements of lies about the goods they buy, especially from elements that are not halal for use by buyers. From the results of this study, the author suggests that the Banda Aceh city government continue to take firm steps in the circulation of non-halal labelled products. In addition, buyers must also be more careful in choosing cosmetics that will be used daily.
Digital-Based Information System of Zakat Management in Indonesia: Strategies for Increasing Revenue in Fiqh Muamalah Perspectives Musa, Armiadi; Zulfikar, Teuku; Khalidin, Bismi
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol 6, No 2 (2022): Samarah: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/sjhk.v6i2.11960

Abstract

This study aims to examine the digital-based zakat management information system and strategies for increasing ZIS fund income from the perspective of muamalah fiqh in NTB and Aceh. This study focuses on using SimBaznas on the loyalty of zakat payments, the cand constraints, and strategies taken to increase zakat payments in the two regions. This is a mixed-method study to obtain more comprehensive, reliable, and objective data. The results showed that the implementation of SimBaznas at Baznas in NTB was only carried out on reporting zakat collection that had been carried out properly, while reports and asset reports had not been well informed in SimBaznas. Meanwhile, in Aceh Province, all SimBaznas features have not been effective. Quantitative analysis shows that the ease of use and availability of facilities and infrastructure does not guarantee a correlation with the implementation of SimBaznas in the two provinces. In addition, the seriousness of the interest of SimBaznas users has an effective effect on the implementation of the system. However, it is certain that the existence of SimBaznas has no significant effect on the loyalty of Muslims in the two provinces. The problem with using SimBaznas is caused by the lack of quantity and quality of IT-based human resources. Therefore, the strategies that can be applied are improving the quality and quantity of SimBaznas IT managers, socializing SimBaznas to the public, encouraging ratifying the law on zakat as a tax deduction, and finalizing the regulation of zakat as PAD in Aceh. Therefore, in the context of fiqh muamalah, Baitul Mal will increasingly contribute to poverty alleviation, economic development, and human resource development in NTB, Aceh, and Indonesia.
Co-Authors Alfi Zahara Andri Kiawan Armiadi Musa Aulannisa Syuda Azharsyah Ibrahim Binti Ilyas, Irawati Dhiwa, Malem Erianti, Nahara Fadhillah. R, Rayhan Faisal Fauzan Faisal Fauzan Faisal Fauzan Fanda Fadilla Faradilla, Riska Hafas Furqani Halim, Hendra Hayatun Nuri Hendra Halim Ira Maghfirah Irawati Binti Ilyas Jamhir Jamhir Jamhir, Jamhir Jefry Tarantang M. Shabri Abd. Majid M. Shabri Abd. Majid Mutia, Ratna Mutia, Ratna Nahara Erianti Nuri, Hayatun Rahmi Wahyuni Rahmi Wahyuni Raja Masbar Raja Masbar Rayhan Fadhillah. R Sholihah, Nurul Imratu Sukma Klara Prihatini Sukma Klara Prihatini Syuda, Aulannisa Teuku Zulfikar Willy Ninda Azhari Willy Ninda Azhari Zahara, Alfi