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All Journal Jurnal Intelektualita: Keislaman, Sosial, dan Sains Journal of Sharia and Legal Science
Ramiah Lubis
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Religion Arts Humanities Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Penerapan Akad Ijarah pada Rumah Susun dalam Perspektif Hukum Ekonomi Syariah Galih Buana Ibrahim; Fauziah Fauziah; Ramiah Lubis
Journal of Sharia and Legal Science Vol. 3 No. 2 (2025): Journal of Sharia and Legal Science
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/jsls.v3i2.1214

Abstract

The suitability of a building is determined not only by its physical condition, but also by the environment in which it stands. One example is the 26 Ilir Flats, which was initially touted as a modern area in Palembang City. However, the current condition is actually the opposite, where the flats have turned into a slum and are considered uninhabitable. However, these flats are still rented out. This study aims to determine the implementation of the ijarah contract in the 26 Ilir Flats in Palembang City and analyze it from the perspective of Islamic economic law in the context of uninhabitable houses. The research method used is qualitative with an empirical juridical approach. Data were collected through interviews, observations, and documentation with related parties, both apartment owners and tenants. The results of the study indicate deviations in the implementation of the ijarah contract, particularly in aspects of residential suitability that are not in accordance with Islamic principles, such as clarity of benefits and security of the leased object. In a review of Islamic economic law, the implementation of the ijarah contract in uninhabitable houses does not fully meet the requirements for a valid contract due to the lack of clear benefits and security guarantees for the tenant. Therefore, this study recommends the need for supervision and improvement by authorities to ensure that rental contracts are carried out in accordance with the principles of justice, welfare, and transparency as stipulated in Islamic economic law.
Analisis Jaminan Fidusia pada Akad Pinjaman Kredit Usaha Rakyat (KUR) Perspektif Hukum Ekonomi Syariah Dania Nur Hidayah; Ulya Kencana; Ramiah Lubis; Syafran Apriansyah
Intelektualita Vol 14 No 2 (2025): Jurnal Intelektualita: Keislaman, Sosial, dan Sains
Publisher : Wakil Rektor III Bidang Kemahasiswaan dan Kerjasama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/intelektualita.v14i2.31742

Abstract

Penelitian ini bertujuan menganalisis penerapan jaminan fidusia pada akad pinjaman Kredit Usaha Rakyat (KUR) di Bank Rakyat Indonesia (BRI) Cabang Sriwijaya Palembang dalam perspektif Hukum Ekonomi Syariah. Penelitian ini menggunakan metode kualitatif deskriptif yang berlokasi di BRI Cabang Sriwijaya Palembang. Informan dipilih secara purposive, terdiri atas pegawai BRI terkait penyaluran KUR, analis kredit, dan nasabah penerima KUR. Data primer diperoleh melalui wawancara dan observasi, sedangkan data sekunder berasal dari dokumen kebijakan bank, peraturan jaminan fidusia, literatur hukum syariah, serta penelitian terdahulu. Pengumpulan data dilakukan melalui wawancara mendalam, observasi, dan dokumentasi, dengan analisis data meliputi reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa penerapan jaminan fidusia pada KUR di BRI berfungsi memberikan kepastian hukum bagi bank sekaligus menjaga prinsip kehati-hatian, dan dalam perspektif Hukum Ekonomi Syariah, praktik tersebut memiliki kesesuaian dengan konsep rahn tasjily, yakni penjaminan yang tidak memindahkan kepemilikan barang kepada kreditur. Kendala yang ditemukan meliputi rendahnya pemahaman debitur terhadap fungsi jaminan serta prosedur administrasi yang cukup kompleks. Penelitian ini diharapkan memberikan kontribusi bagi pengembangan kebijakan pembiayaan yang berlandaskan prinsip syariah.
Co-Authors Dania Nur Hidayah Fauziah Fauziah Galih Buana Ibrahim Syafran Apriansyah Ulya Kencana