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All Journal Dusturiah : Jurnal Hukum Islam, Perundang-undangan dan Pranata Sosial Journal of Indonesian Legal Studies PETITA: Jurnal Kajian Ilmu Hukum dan Syariah (PJKIHdS) J-EBIS (Jurnal Ekonomi dan Bisnis Islam) SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam El-Usrah: Jurnal Hukum Keluarga Jurnal khabar: Komunikasi dan Penyiaran Islam MAQASIDI El-Hadhanah: Indonesian Journal Of Family Law And Islamic Law Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah As-Siyadah: Jurnal Politik dan Hukum Tata Negara I-PHILANTHROPY: A Research Journal on Management of Zakat and Waqf Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah JURISTA : Jurnal Hukum dan Keadilan Al-Mudharabah Jurnal Kajian Ekonomi dan Perbankan Syariah Jarima: Jurnal Ilmiah Mahasiswa Hukum Pidana Islam
Azka Amalia Jihad
Universitas Islam Negeri Ar-Raniry Banda Aceh
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Peran Dan Tanggung Jawab Dewan Pengawas Syariah Di Aceh Dalam Perspektif Siyasah Dusturiyah Rukniza; Fahmi, Chairul; Jihad, Azka Amalia
As-Siyadah Vol. 5 No. 2 (2025): September (2025) As-Siyadah: Jurnal Politik dan Hukum Tata Negara
Publisher : Prodi Hukum Tata Negara (Siyasah)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/as-siyadah.v5i2.7467

Abstract

Dewan Pengawas Syariah merupakan bagian dari Lembaga Keuangan Syariah sebagaimana dinyatakan dalam Surat Keputusan Dewan Syariah Nasional Nomor 3 Tahun 2000. Bisnis Syariah seharusnya dijalankan berdasarkan prinsip syariah dan harus diawasi melalui mekanisme yang dilaksanakan oleh Dewan Pengawas Syariah, agar pelaksanaannya sesuai dengan peraturan yang berlaku. Artikel ini membahas peran, tanggungjawab dan hambatan Dewan Pengawas Syariah di Aceh terhadap pengawasan Lembaga Bisnis Syariah berdasarkan perspektif siyasah dusturiyah. Adapun jenis penelitian yang digunakan ialah penelitian hukum normatif dan empiris dengan menggunakan data sekunder didapati penulis melalui wawancara bersama pihak yang bersangkutan dan sejumlah perundang-undangan dan aturan yang berlaku, Berdasarkan hasil penelitian, peran dan tanggung jawab Dewan Pengawas Syariah (DPS) di Aceh belum berjalan secara efektif. Terdapat sejumlah hambatan yang menghambat pelaksanaan fungsi DPS, padahal setiap lembaga perbankan dan usaha berbasis syariah diwajibkan untuk membentuk DPS. Secara umum, DPS memiliki tugas memberikan nasihat dan saran kepada direksi serta melakukan pengawasan agar seluruh aktivitas lembaga keuangan tidak menyimpang dari prinsip-prinsip syariah, sebagaimana diatur dalam Undang-Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah. Dalam perspektif Siyasah Dusturiyah, pelaksanaan peran DPS di Aceh belum sepenuhnya sesuai dengan ketentuan yang ideal, mengingat masih adanya hambatan dalam menjalankan fungsi pengawasannya.
ANALYSIS OF UJRAH RIGHTS FOR CUSTOMERS ON THE MURABAHAH BIL WAKALAH CONTRACT CLAUSE: Muamalah Fiqh Study Alya Nesha Putri Zega; Azka Amalia Jihad
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 7 No. 1 (2026): 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.v7i1.9688

Abstract

This study aims to analyse the right of ujrah for customers under the murabahah bil wakalah contract clause, from the perspective of fiqh muamalah and sharia economic law in Indonesia. Murabahah bil wakalah is a financing scheme that is widely used in Islamic banking, but in practice, there are still problems related to the charging of ujrah that are not always clearly separated from the margin of murabahah. This study uses a normative juridical method with a statutory and conceptual approach, drawing on the DSN-MUI fatwa, the Compilation of Sharia Economic Law (KHES), Law Number 21 of 2008 concerning Sharia Banking, as well as classical and contemporary muamalah fiqh doctrines. The results of the study show that the imposition of ujrah in the murabahah bil wakalah contract is justified under sharia as long as it is treated as a reward for wakalah services, agreed in advance, separated from the murabahah margin, and carried out in accordance with the principles of justice and transparency. This research is expected to make a normative contribution to strengthening sharia financing practices that are fair, transparent and in accordance with sharia principles.
Analisis Penerapan Manjemen Risiko Pembiayaan pada Perbankan Syariah di Indonesia Choirunnisak; Azka Amalia Jihad; Melia Frastuti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.7936

Abstract

This study discusses how risk management is implemented in Islamic banking in Indonesia, and how risk management in financing is applied in Islamic banking in Indonesia. This research is a type of library research that focuses on managing qualitative data using descriptive-analytical methods. The results of this study indicate that there are six stages in the implementation of risk management in Islamic banking in Indonesia: 1) Determining the risks associated with products and transactions within the bank. 2). Establishing risk assessment using measurement methods and information systems in risk management. 3). Setting limits or thresholds for risk tolerance. 4) Assigning ratings to the identified risks. 4). Developing a contingency plan in case the bank faces a critical situation. 6) Establishing internal control systems in every aspect of risk management decision-making. There are also six applications of financing risk management in Islamic banking in Indonesia: 1). Identifying risks in all financing, whether related to products or banking activities.2). Considering the financial condition of potential borrowers, including in-depth analysis of their ability to repay on time. 3). Categorizing risks into various defined criteria. 4). Ideally, each bank should have its own system for measuring the risks of financing provided or to be provided to borrowers. 5). Determining the financing period (maturity profile) linked to market conditions that may fluctuate.6). Assessing collateral aspects and the potential for default in repayments.
ANALYSIS OF THE CONCEPT OF PROFIT-SHARING PARTNERSHIPS FOR SMALL AND MEDIUM ENTERPRISES AT HOCO COFFEE BANDA ACEH FROM THE PERSPECTIVE OF FIQH MUAMALAH Hony Khairunnisa Kobat; Analiansyah; Azka Amalia Jihad
JURISTA: Jurnal Hukum dan Keadilan Vol. 10 No. 1 (2026): 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.v10i1.362

Abstract

This study aims to analyse the partnership contract forms between Hoco Coffee Banda Aceh and MSME actors and to review their compliance with the principles of musyarakah in Islamic economics. The study uses a qualitative approach with descriptive-analytical methods through interviews and documentation. The results show that the partnership is implemented through a verbal agreement based on trust (gentleman’s agreement), reinforced by standard operating procedures (SOPs) and a digital recording system, without a formal, legally binding written contract under civil law. In terms of bargaining power, Hoco Coffee has structural dominance because it controls the location, facilities, and payment system. However, MSME partners still have bargaining power through product differentiation and brand strength. This partnership model reflects the concept of musyarakah, in which Hoco contributes non-cash capital, including premises, facilities, and promotion. In contrast, MSMEs contribute operational expertise and products. According to Imam Malik’s view, capital contributions need not be in cash; such partnership practices are valid as long as the distribution of profits and responsibilities is clearly agreed upon. This study concludes that the partnership between Hoco Coffee and MSMEs is collaborative, semi-symmetrical, and substantially consistent with sharia principles on capital contributions and profit sharing.
Implementasi Qanun Jinayat Nomor 6 Tahun 2014 dalam Pencegahan Ikhtilath oleh Satpol PP dan Wilayatul Hisbah di Aceh Barat Yuhasnibar, Yuhasnibar; Wahidin, M.; Jihad, Azka Amalia
Jarima: Jurnal Ilmiah Mahasiswa Hukum Pidana Islam Vol. 1 No. 2 (2025): Jarima: Jurnal Ilmiah Mahasiswa Hukum Pidana Islam
Publisher : Program Studi Hukum Pidana Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jarima.v1i2.990

Abstract

Tindak pidana ikhtilat menjadi masalah serius di Aceh Barat karena berisiko mengganggu tatanan sosial dan moralitas. Ikhtilat merujuk pada percampuran bebas antara laki-laki dan perempuan yang bukan mahram tanpa batasan syariat, yang dapat berdampak negatif pada generasi muda dan keharmonisan masyarakat. Satpol PP dan Wilayatul Hisbah (WH) Aceh Barat memiliki peran penting dalam mencegah ikhtilat serta menjaga nilai-nilai syariat. Penelitian ini bertujuan menganalisis efektivitas penegakan hukum oleh Satpol PP dan WH, mengidentifikasi faktor pendukung dan penghambat, serta mengeksplorasi perspektif hukum Islam terkait ikhtilat. Dengan metode hukum empiris dan pendekatan kualitatif, data dikumpulkan melalui observasi, wawancara, dan studi pustaka dengan informan dari Satpol PP, WH, dan Keuchik Gampong Ujong Kareung. Hasil menunjukkan upaya pencegahan dilakukan melalui sosialisasi, patroli, penegakan hukum adat dan syariat, pembangunan sarana kepatuhan syariat, serta peran keluarga dan masyarakat. Faktor pendukung meliputi regulasi kuat, sarana dan prasarana, sumber daya aparatur, serta partisipasi tokoh agama. Faktor penghambat mencakup rendahnya kesadaran masyarakat, keterbatasan personel, perubahan sosial-budaya, kurangnya perlindungan pemerintah, dan minimnya edukasi berkelanjutan. Penegakan hukum melalui Satpol PP dan WH berdasarkan Qanun Jinayat Nomor 6 Tahun 2014 menggabungkan sanksi, edukasi, dan kolaborasi dengan tokoh agama untuk menjaga moralitas publik sesuai ajaran Islam.
SYSTEM ANALYSIS OF THE SHARING OF SURPLUS PROFITS (SHU) OF THE SOLUSI BERSAMA LAMLHOM SHARIA COOPERATIVE FROM THE PERSPECTIVE OF SYIRKAH AGREEMENT Nuril Purnama; Azka Amalia Jihad
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 6 No. 2 (2025): 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.v6i2.8499

Abstract

This study focuses on analysing the profit-sharing system of the Lamlhom Joint Solution Sharia Cooperative, Lhoknga District, Aceh Besar, from the perspective of the syirkah contract. This is a qualitative study with a legal-empirical approach. The primary data were obtained from structured interviews and observations. Meanwhile, the secondary data was obtained from SHU accountability reports and articles related to this study. The results showed that the SHU distribution system at Kopsyah SBL was implemented by distributing it to all active members as annual packages, without distinction between capital, business services, or the amount of financing taken. All members benefited collectively from the cooperative’s business results. According to the syirkah contract, SHU is not part of the syirkah contract formulation, because SHU is not a profit that is determined at the beginning of the contract between Kopsyah SBL and members who use syirkah contract services. However, the SHU distribution system at Kopsyah SBL is part of the tabarru' (social) contract, which is in line with sharia principles such as fairness, transparency, and mutual agreement, and the SHU distribution system at Kopsyah SBL is legally compliant with sharia principles.
A Challenge and Development of Corporate Zakat Distribution on Shari'ah Commercial Banks in Nanggroe Aceh Darussalam Ida Friatna; Chairul Fahmi; Azka Amalia Jihad
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.18465

Abstract

The purpose of this study is to find out how the concept and mechanism of corporate zakat distribution in Islamic banking, as well as the challenges and obstacles in the issuance of corporate zakat with special case of Islamic Commercial Banks in Aceh. This study uses a normative sociological approach where the main data is obtained from the results of interviews and annual reports of Islamic banking in Aceh from the period 2020 to 2021. Data collection techniques through interviews and documentation data. The results showed that of the 4 Islamic Commercial Banks only Bank Muamalat Indonesia paid corporate zakat and the other 3 Banks only issued employee zakat. But the three banks in 2020 did not issue their zakat to Baitul Mal but to zakat institutions managed through foundations. One of the obstacles or causes of some Islamic Commercial Banks that do not pay zakat to Baitul Mal is that at that time covid-19 was rife, this resulted / had an impact on the bank experiencing a decrease in income or it could be said that the economy was paralyzed due to the impact of covid-19, finally the zakat management organization decreased its income. So the zakat that should have been issued by the company to Baitul Mal has been channeled to the handling of the corona virus public health center for needs during the pandemic, the aim is that the community can avoid the covid outbreak that is currently raging.
Co-Authors A Wahab, Nazaruddin Ade Roza Phonna Akbar, Faiz Amali Al-Ayyubi Fikramullah Alya Nesha Putri Zega Amalia Safitri Analiansyah Aulil Amri Azmy, Khairul Chairul Fahmi Choirunnisak Choirunnisak Choirunnisak Choirunnisak Choirunnisak, Choirunnisak Cut Putri Yulyana Mahendra Cut Yustianiansyah Cut Yustianiansyah Deddy Yusuf Faiz Amali Akbar Fakhrurrazi M. Yunus Fauzan, Faisal Hasnul Arifin Melayu Hony Khairunnisa Kobat Husni Mubarrak Ida Friatna Jabbar Sabil Jamhuri Jarmanisa Kemala Dewi Khalid Akbar Lubis, Gusni Matsuno, Akihisa Maulidar M. Jakfar Melia Frastuti Muhammad - Riza Muhammad Kalkausar Muhammad Rasyid, Laila Muhammad Yusran Hadi Mursyid Djawas Muzakkir, Fourzan Fajar Nurhanafi Nuril Purnama Putri Raihan Wirda Rahmad Efendy Al Amin Siregar Ramly, Ar Royyan Ramly, Arroyyan Roza Phonna, Ade Rukniza Safira Mustaqilla Saifuddin Sa’dan Saifullah M. Yunus Sausan Athirah Sayuti, Azman Shabarullah Shabarullah Siti Mawar Siti Nurliyana Stoll, Peter-Tobias Wahidin, M. Yuhasnibar