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All Journal Al-Ihkam: Jurnal Hukum dan Pranata Sosial Nuansa: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam
Sakinah Sakinah
STAIN Pamekasan
Religion Humanities Law, Crime, Criminology & Criminal Justice Social Sciences Other

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MENGENAL PRODUK BANK SYARI’AH Sakinah Sakinah
AL-IHKAM: Jurnal Hukum & Pranata Sosial Vol. 1 No. 2 (2006)
Publisher : Faculty of Sharia IAIN Madura collaboration with The Islamic Law Researcher Association (APHI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/al-lhkam.v1i2.2562

Abstract

Sejak dunia Islam berhasil bebas secara fisik dari Imperialisme Barat dan sekutunya sekitar abad XX-an, umat islam mulai berfikir dengan cara setahap demi setahap yang dilakukan oleh kalangan intelektual, tokoh ulama dan pergerakan Islam.Diantara mereka ada yang memulai dari segi ekonomi dengan cara mendirikan bank yang bebas riba atau dikenal dengan Bank Syari’ah/Bank Islam. Bank ini mulai dirintis sejak tahun 1963 diSaudi Arabiadiprakarsai oleh Raja Faisal. Disusul Malasyia (1 Juli 1963), di Mesir Bank Sosial Naser, kemudian tahun 1975 berdiri Dubai Islamic Bank dan Islamic Development Bank diprakarsai oleh OKI dan masih banyak lainnya termasuk Bank Syari’ah Mandiri Pamekasan juga Bank Muamalat di Surabaya.Bank Syari’ah/Bank Islam merupakan hal baru di dunia perbankan yang mungkin belum begitu familiar bagi sebagian masyarakat dibandingkan pendahulunya; Bank Konvensional. Oleh karena itu tidaklah berlebihan bila Bank Islam harus lebih ekstra memperkenalkan diri (sosialisasi) agar lebih dikenal oleh masyarakat luas terutama komunitas muslim itu sendiri meskipun Bank Islam terbuka untuk umum, muslim dan non muslim dengan cara mengenal produknya yang variatif. Tulisan ini akan membahas 2 produk Bank Syari’ah; Musyarakah dan Murabahah.
PENERAPAN AL-QARDL PADA BANK KELILING (STUDI KASUS DI GRUGEK DESA SEJATI KECAMATAN CAMPLONG KABUPATEN SAMPANG) Sakinah Sakinah
NUANSA: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam Vol. 13 No. 1 (2016)
Publisher : Research Institute and Community Engagement of IAIN MADURA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/nuansa.v13i1.875

Abstract

owe (al-qardl) is one of the transactions that is allowable in Islam. To lend, from the perspective of fiqh muamalah it is known as al-Qardl, is the process of hand over of wealth or al-mitsliyat to other people that the payment must be collected. In other word, it is a transaction that aimed to give al-mitsliyat over other people to be recollected with the similar al-mitsliyat. This kind of transection had been done in the era of prophet. As it becomes a phenomenon at Grugek, one of the sub-villages of Sejati village, Camplong district in Sampang regency. In Grugek, people owe money from a mobile-bank mostly for a consumptive objective and only a few of them use the money for something productive. Based on this phenomenon, the research is focused on the following problems: (a) how is the implementation of al-qardl transection promoted by mobile bank in Grugek sub-village, Sejati Village, Camplong district, Sampang Regency? (b) Why do people of Grugek sub-village, Sejati Village, Camplong district, Sampang regency tends to owe money from the mobile-bank than from official bank? This is a qualitative field research in form of case study that employs the result of interview and observation as primary data. The instruments that have been used to collect and check the data validity are intent observation, description, triangulation, and case analysis.  The research result designates that: (1) the implementation of al-qardl is completed in easy ways; showing ID, no prerequisite and regulation as must be fulfilled in fiqh muamalah about the execution of interest in its implementation; (2) the people of Grugek owe money from mobile bank with several reasons: firstly, the process of credit is simpler than official bank does, easiness, no survey, only ID identification, people are allow to owe many times; secondly,  people still do not know syariah finance institution that offers the product of al-qardl al-hasan.
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