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All Journal At-Taqaddum Falah : Jurnal Ekonomi Syariah Law and Justice Amwaluna Jurnal Ekonomi dan Keuangan Syariah JIIP (Jurnal Ilmiah Ilmu Pendidikan) Law Development Journal Jurnal Al-Hakim : Jurnal Ilmiah Mahasiswa Studi Syariah, Hukum dan Filantropi Jurnal Riset Ekonomi Syariah Bandung Conference Series : Sharia Economic Law Jurnal Riset Perbankan Syariah Jurnal Medika: Medika
Maman Surahman
Prodi Hukum Ekonomi Syariah, Fakultas Syariah, Universitas Islam Bandung
Religion Humanities Dentistry Economics, Econometrics & Finance Education Health Professions Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Analisis Fikih Muamalah terhadap Syarat Minimal Cetak Emas Digital BSI Mochammad Ilham Sabilah Trigha; Neng Eva Fauziah; Maman Surahman
Bandung Conference Series: Sharia Economic Law 191-198
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25209

Abstract

Abstract. He growth of digital financial services has encouraged the development of digital gold products in Islamic financial institutions, including Bank Syariah Indonesia's (BSI) Digital Gold. The product allows customers to buy, store, resell, and redeem gold digitally. However, BSI requires a minimum balance of 2 grams for physical redemption, with 0.2 grams retained as a residual balance, raising questions regarding its compliance with fiqh muamalah. This study analyzes the physical redemption policy and evaluates the minimum redemption and resale requirements from a fiqh muamalah perspective. A qualitative case study was conducted using normative-juridical and conceptual legal approaches. Primary data were collected through interviews with BSI representatives, digital gold customers, and a fiqh muamalah expert, while secondary data were obtained from DSN-MUI Fatwa No. 77/DSN-MUI/VI/2010 and relevant literature. The findings show that the 2-gram minimum redemption requirement is an operational policy that does not affect customers' ownership rights. Digital gold ownership fulfills the concept of milk al-tamm through qabd hukmi, making the requirement a valid condition (syarth shahih) rather than an invalid one (syarth bathil). Abstrak. Perkembangan layanan keuangan digital mendorong hadirnya produk Emas Digital Bank Syariah Indonesia (BSI) yang memungkinkan nasabah membeli, menyimpan, menjual kembali, dan mencetak emas secara digital. BSI menetapkan syarat minimal saldo 2 gram untuk pencetakan emas fisik dengan saldo mengendap 0,2 gram, sehingga menimbulkan beragam persepsi mengenai kesesuaiannya dengan prinsip fikih muamalah. Penelitian ini bertujuan menganalisis ketentuan pencetakan fisik, meninjau syarat minimal pencetakan dan penjualan kembali dari perspektif fikih muamalah, serta menentukan status hukumnya. Penelitian menggunakan pendekatan kualitatif dengan metode studi kasus yang dipadukan dengan pendekatan hukum normatif dan konseptual. Data primer diperoleh melalui wawancara dengan pihak BSI, nasabah, dan pakar fikih muamalah, sedangkan data sekunder berasal dari Fatwa DSN-MUI dan literatur terkait. Analisis dilakukan menggunakan model interaktif Miles dan Huberman. Hasil penelitian menunjukkan bahwa syarat minimal pencetakan 2 gram merupakan kebijakan operasional yang tidak menghilangkan hak kepemilikan nasabah. Kepemilikan emas digital telah memenuhi konsep milk al-tamm melalui qabd hukmi, sehingga ketentuan tersebut termasuk syarth shahih, bukan syarth bathil, berdasarkan 'urf tijari.
Normalisasi Perilaku Israf dalam Tren Self Reward: Analisis Etika Ekonomi Syariah terhadap Gaya Hidup Netizen di Tiktok Muhammad Rival Tyo Anggara; Neng Eva Fauziah; Maman Surahman
Bandung Conference Series: Sharia Economic Law 237-244
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25457

Abstract

Abstract. TikTok has become a contemporary space of muamalah that shapes the consumption patterns of urban Indonesian Muslims, particularly through the self-reward trend that risks normalizing israf (extravagant spending). This study analyzes how self-reward narratives are constructed on TikTok, how israf is normalized through netizen interaction in the comment section, and how this phenomenon is evaluated from the perspective of Islamic economic ethics, especially its impact on hifz al-mal (protection of wealth). A descriptive-qualitative approach with a netnographic case-study design, adapted from Kozinets' procedure, was used. Primary data were drawn from four sample videos and twenty-seven netizen comments through purposive sampling, then analyzed with the interactive model of Miles, Huberman, and Saldaña and triangulated with secondary literature. The findings show that self-reward narratives are constructed through positive psychological framing that blurs the boundary between hajah (needs) and syahwat (desires). In the comment sections, 74% of netizen responses normalized israf through self-justification, social validation, and distortion of the creators' educational messages, while only 26% showed critical awareness. From an Islamic economic ethics perspective, the phenomenon violates the principle of maratib al-hajah, undermines hifz al-mal, and produces greater mafsadah than the momentary maslahah obtained. The study recommends strengthening cyber-syariah literacy and more algorithmically competitive digital da'wah for Islamic financial institutions. Abstrak. TikTok telah menjelma menjadi ruang muamalah kontemporer yang memengaruhi pola konsumsi masyarakat Muslim urban di Indonesia, khususnya melalui tren self-reward yang berpotensi menormalisasi perilaku israf. Penelitian ini menganalisis konstruksi narasi self-reward pada konten TikTok, proses normalisasi israf melalui interaksi netizen di kolom komentar, serta mengevaluasi fenomena tersebut dari perspektif etika ekonomi syariah, khususnya dampaknya terhadap prinsip hifz al-mal. Penelitian menggunakan pendekatan kualitatif deskriptif dengan desain studi kasus netnografi yang mengadaptasi prosedur Kozinets. Data primer dihimpun dari empat video sampel dan dua puluh tujuh data komentar netizen melalui purposive sampling, dianalisis dengan model interaktif Miles, Huberman, dan Saldaña, serta ditriangulasi dengan sumber sekunder. Hasil penelitian menunjukkan bahwa narasi self-reward dikonstruksi melalui pembingkaian psikologis positif yang mengaburkan batas antara hajah dan syahwat. Pada kolom komentar, mayoritas reaksi netizen (74%) menormalisasi israf melalui pembenaran diri, validasi sosial, dan distorsi makna pesan edukatif kreator, dibandingkan hanya 26% yang menunjukkan kesadaran kritis. Ditinjau dari etika ekonomi syariah, fenomena ini melanggar prinsip maratib al-hajah, mencederai hifz al-mal, serta menghasilkan mafsadah yang lebih besar dibandingkan maslahah sesaat. Penelitian merekomendasikan penguatan literasi cyber-syariah bagi masyarakat serta strategi dakwah digital yang lebih kompetitif secara algoritmik bagi lembaga keuangan syariah.
Analisis Implementasi Fatwa DSN-MUI NO.05/DSN-MUI/IV/2000 terhadap Transaksi Akad Salam pada Jual Beli Nail Art Sistem Pre-Order Kanaya Jentira; Neng Eva Fauziah; Maman Surahman
Bandung Conference Series: Sharia Economic Law 313-318
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25813

Abstract

Abstract. The growth of e-commerce has driven widespread adoption of pre-order systems in nail art sales, a model resembling the salam contract in Islamic commercial law, where payment is made fully upfront while goods are delivered later. In practice, issues persist, including unclear product specifications, uncertain delivery schedules, and weak complaint handling, which may conflict with DSN-MUI Fatwa No. 05/DSN-MUI/IV/2000 on salam contracts. This study analyzes the mechanism of pre-order nail art transactions at Store X, assesses their conformity with the pillars and conditions of salam under the fatwa, and evaluates their implementation. A qualitative method combining normative-juridical and empirical approaches was used, with data collected through observation, interviews, and documentation involving one store owner and seven consumers via purposive sampling. Findings indicate the transaction fulfills the characteristics of a salam contract, encompassing ordering, full advance payment, production after payment, and delivery, and generally satisfies its essential pillars: contracting parties, object, sighat, and payment. However, full compliance with the fatwa has not been achieved due to unclear specifications, delivery delays, and ineffective complaint resolution. The study concludes that stronger adherence to sharia principles requires clearer product information, reliable delivery, and a transparent complaint system to enhance consumer protection and legal certainty. Abstrak. Perkembangan e-commerce meningkatkan praktik jual beli nail art dengan sistem pre-order yang menyerupai akad salam, yaitu pembayaran di awal dan penyerahan barang kemudian. Dalam praktiknya, masih ditemukan indikasi permasalahan terkait kejelasan spesifikasi produk, kepastian waktu penyerahan, dan mekanisme komplain yang berpotensi bertentangan dengan Fatwa DSN-MUI No. 05/DSN-MUI/IV/2000 tentang jual beli salam. Penelitian ini bertujuan menganalisis bentuk dan mekanisme transaksi pre-order nail art di Toko Nail Art X, menilai kesesuaiannya dengan rukun dan syarat akad salam, serta mengevaluasi praktiknya berdasarkan fatwa tersebut. Penelitian menggunakan metode kualitatif dengan pendekatan yuridis-normatif-empiris, dengan data dari observasi, wawancara, dan dokumentasi terhadap satu pemilik toko dan tujuh konsumen yang dipilih secara purposive. Hasil penelitian menunjukkan praktik tersebut dapat dikategorikan sebagai akad salam, mencakup pemesanan, pembayaran penuh di muka, produksi, dan penyerahan barang, serta memenuhi unsur para pihak, objek akad, sighat, dan pembayaran di muka. Namun, implementasi fatwa belum optimal akibat ketidakjelasan spesifikasi, keterlambatan penyerahan tanpa pemberitahuan, serta mekanisme komplain yang belum memberi perlindungan maksimal. Penelitian ini merekomendasikan agar pelaku usaha lebih patuh pada prinsip syariah melalui informasi produk lengkap, kepastian waktu penyerahan, dan mekanisme komplain yang lebih adil.
Keadilan dalam Praktik Sewa Kos di Kelurahan Tamansari Perspektif Quraish Shihab Moh Rafli; Neng Eva Fauziah; Maman Surahman
Bandung Conference Series: Sharia Economic Law 337-344
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25971

Abstract

Abstract. Room-rental (kos) practices in Tamansari Sub-district, Bandung City, are largely based on unwritten agreements between owners and tenants, creating room for disputes when tenants add occupants without the owner's consent. This qualitative field research aims to describe the practice of room-rental in Tamansari and to analyze it using the concept of justice (al-adl) formulated by M. Quraish Shihab, which comprises equality of treatment, balance between rights and obligations, fulfillment of individual rights, and divinely-grounded justice. Data were collected through in-depth interviews with twelve informants, consisting of six room-rental owners and six tenants in RT 02 RW 14, complemented by observation and documentation, then analyzed following Miles and Huberman's interactive model of data reduction, data display, and conclusion drawing. The findings show that most agreements are oral, and that unauthorized addition of occupants is common, ranging from brief visits to extended, unsanctioned stays. Judged against Shihab's four indicators, the practice generally fails to meet the standard of balance and rights fulfillment, mainly because compensation is rarely adjusted when occupancy increases. The absence of a clear written agreement is identified as the root cause of the recurring imbalance between the two parties. Abstrak. Praktik sewa kos di Kelurahan Tamansari, Kota Bandung, sebagian besar didasarkan pada kesepakatan lisan antara pemilik dan penyewa, sehingga membuka ruang perselisihan ketika penyewa menambah penghuni tanpa persetujuan pemilik. Penelitian kualitatif lapangan ini bertujuan mendeskripsikan praktik sewa kos di Kelurahan Tamansari dan menganalisisnya menggunakan konsep keadilan (al-adl) menurut M. Quraish Shihab, yang mencakup persamaan perlakuan, keseimbangan hak dan kewajiban, pemenuhan hak individu, serta keadilan yang dinisbatkan kepada Allah. Data dikumpulkan melalui wawancara mendalam terhadap dua belas informan, terdiri atas enam pemilik kos dan enam penyewa kos di RT 02 RW 14, dilengkapi observasi dan dokumentasi, kemudian dianalisis dengan model interaktif Miles dan Huberman meliputi reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa mayoritas perjanjian dilakukan secara lisan, dan penambahan penghuni tanpa izin merupakan hal yang lazim terjadi, mulai dari kunjungan singkat hingga tinggal dalam waktu lama tanpa izin. Ditinjau dari empat indikator keadilan Shihab, praktik tersebut secara umum belum memenuhi prinsip keseimbangan dan pemenuhan hak, terutama karena kompensasi jarang disesuaikan ketika jumlah penghuni bertambah. Ketiadaan perjanjian tertulis yang jelas diidentifikasi sebagai akar persoalan dari ketimpangan yang berulang antara kedua belah pihak.
Prinsip Muamalah dalam Sistem Tanggung Renteng BMD Kota Bandung Dinie Agistiani Dewantara; Neng Eva Fauziah; Maman Surahman
Bandung Conference Series: Sharia Economic Law 345-354
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.26154

Abstract

Abstract. This research is motivated by payment defaults in the BAZNAS Microfinance Desa (BMD) program in Bandung City, where 216 group members experienced defaults despite signing a joint liability commitment. This gap between normative commitment and implementation is examined from the perspective of Islamic economic law based on the principles of justice, benefit, consent, written agreement, and trustworthiness, as well as DSN-MUI Fatwa No. 162/DSN-MUI/VII/2025. This research employs a qualitative method with a normative-empirical approach and a case study design. Primary data were obtained through participatory observation and interviews with the BMD Manager, an Account Officer, and nine partners, while secondary data were obtained from scholarly literature, DSN-MUI fatwas, and relevant regulations. Data were analyzed descriptively using the Miles and Huberman model. The findings show that the joint liability mechanism has been implemented structurally, but its underlying contractual scheme remains unclear. Defaults are caused by economic inability, moral hazard, limited communication and transparency, unclear mechanisms and initial agreements, and misuse of financing funds. The implementation does not fully fulfill justice, consent, and trustworthiness, while benefit and written agreement are formally fulfilled. Under DSN-MUI Fatwa No. 162/2025, the mechanism is not compliant because it lacks kafalah or hibah bi al-syarth, mandatory collective funds, and may contain gharar. Abstrak. Penelitian ini dilatarbelakangi oleh kemacetan pembayaran pada program BAZNAS Microfinance Desa (BMD) Kota Bandung, di mana 216 anggota kelompok mengalami kemacetan meskipun telah menandatangani komitmen tanggung renteng. Kesenjangan antara komitmen normatif dan pelaksanaannya dikaji dari perspektif hukum ekonomi syariah dengan tolok ukur prinsip keadilan, manfaat, kerelaan, tertulis, dan amanah, serta Fatwa DSN-MUI No. 162/DSN-MUI/VII/2025. Penelitian menggunakan metode kualitatif dengan pendekatan normatif-empiris dan jenis studi kasus. Data primer diperoleh melalui observasi partisipatif dan wawancara dengan Manajer BMD, Account Officer, serta sembilan mitra, sedangkan data sekunder diperoleh dari literatur ilmiah, Fatwa DSN-MUI, dan regulasi terkait. Data dianalisis deskriptif kualitatif menggunakan model Miles and Huberman. Hasil penelitian menunjukkan bahwa pelaksanaan tanggung renteng telah berlangsung terstruktur, tetapi skema akad belum dijelaskan secara rinci. Wanprestasi dipengaruhi oleh ketidakmampuan ekonomi, moral hazard, minimnya komunikasi dan transparansi, ketidakjelasan mekanisme dan kesepakatan, serta penyalahgunaan dana pembiayaan. Pelaksanaannya belum sepenuhnya memenuhi prinsip keadilan, kerelaan, dan amanah, sedangkan prinsip manfaat dan tertulis telah terpenuhi secara formal. Ditinjau dari Fatwa DSN-MUI No. 162/2025, mekanisme tanggung renteng BMD belum sesuai karena belum menggunakan akad kafalah atau hibah bi al-syarth, belum memiliki dana kolektif kelompok yang wajib, dan berpotensi mengandung gharar. BMD perlu menyesuaikan mekanisme tanggung renteng agar selaras dengan hukum ekonomi syariah.
The Relevance of al-Ṭūfi’s Maṣlaḥah Theory to the Formulation of Modern Sharia Economic Policy Maman Surahman; Panji Adam Agus Putra; Fahmi Fatwa Rosyadi Satria
Law Development Journal Vol 8, No 2 (2026): June 2026
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ldj.8.2.951-970

Abstract

This article examines the contemporary relevance of al-Ṭūfī’s theory of maṣlaḥah in formulating modern Islamic economic public policy. Al-Ṭūfī’s perspective—emphasizing the primacy of public interest over textual evidence (nass) in the domains of mu‘āmalāt and public affairs—offers a methodological framework capable of addressing the complex and rapidly evolving challenges of the digital economy. Using a normative qualitative approach, this study analyzes the foundational concepts of maṣlaḥah in al-Ṭūfī’s works and compares them with emerging regulatory practices in Islamic economic governance, including the development of Islamic fintech, the transformation of waqf into financial instruments such as Cash Waqf Linked Sukuk (CWLS), and the strengthening of prudential principles in Islamic financial institutions. The analysis reveals that al-Ṭūfī’s rational and context-sensitive framework provides substantial epistemological flexibility for contemporary policymaking, particularly in addressing issues such as algorithmic bias, data security, systemic risk, and green finance. This study also highlights a research gap in the existing literature, as few works have systematically employed al-Ṭūfī’s maṣlaḥah theory as a conceptual tool for evaluating modern economic regulation. The findings demonstrate that integrating al-Ṭūfī’s approach with maqāṣid al-syarī‘ah creates a robust analytical foundation for designing adaptive, evidence-based, and socially impactful Islamic economic policies. Therefore, this article contributes to the methodological enrichment of Islamic economic law and offers practical implications for regulators seeking sharī‘ah-compliant frameworks that remain responsive to technological and socioeconomic transformations.
Tinjauan Fiqih Muamalah terhadap Pengurangan Harga dalam Akad Jual Beli Alat Kebersihan Agni Devi Putri Romadhoni; Maman Surahman; Neng Dewi Himayasari
Bandung Conference Series: Sharia Economic Law 237-246
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v5i2.19915

Abstract

Abstract. The sales contract is conducted at the outset of the transaction without any coercion or fraud. A sales contract is an agreement involving the voluntary exchange of goods or items of value between two parties, where one party receives the goods and the other receives payment, all in accordance with mutually agreed terms that comply with Islamic law. Such contracts may also be established as part of long-term cooperation between the parties to ensure business continuity, typically documented in writing to record the initial agreement, though these documents are not legally binding. In practice, disputes often arise that result in losses for one party, such as unilateral price reductions that deviate from the original agreement. This study aims to examine the mechanisms involved in price reductions within sales contracts for cleaning equipment at Sp. Asia and Ujung Pandang companies, as well as to analyze the issue from the perspective of Islamic commercial jurisprudence (fiqh muamalah). The research employs a qualitative method with a normative-empirical approach. The findings reveal that price reductions in the sale of cleaning equipment at Sp. Asia Company are carried out unilaterally by the distributor, outside the formal contractual procedures, and without a clear legal basis. This practice creates an imbalance of rights and obligations and poses a potential for conflict if not addressed through detailed regulation and mutual agreement. Abstrak. Akad jual beli dilakukan pada awal kegiatan jual beli tanpa adanya paksaan atau penipuan. Akad jual beli suatu perjanjian tukar-menukar benda atau barang yang mempunyai nilai secara sukarela di antara kedua belah pihak, yang satu menerima benda-benda dan pihak lain menerimanya sesuai dengan perjanjian atau ketentuan yang telah dibenarkan syara’ dan disepakati. Akad jual beli juga dilakukan dalam kerja sama jangka panjang antara kedua belah pihak untuk keberlangsungan bisnis mereka dibuat menggunakan dokumen tertulis yang menyatakan kesepakatan awal antara kedua belah pihak tanpa sifat mengikat secara hukum. Dalam kegiatan pelaksanaannya sering kali adanya perselisihan yang menimbulkan kerugian salah satu pihak seperti pengurangan harga secara sepihak yang tidak sesuai dengan perjanjian awal tersebut. Tujuan penelitian ini untuk mengetahui mekanisme pelaksanaan dalam mengurangi harga dalam akad jual beli alat kebersihan di perusahaan Sp. Asia dan Ujung Pandang dan juga untuk menganalisis tinjauan fiqih muamalah terhadap konsep pengurangan harga dalam akad jual beli alat kebersihan di perusahaan Sp. Asia dan Ujung Pandang. Metode yang digunakan dalam penelitian ini adalah kualitatif dengan pendekatan normatif empiris. Hasil penelitian ini adalah pengurangan harga secara sepihak Mekanisme pengurangan harga dalam jual beli alat kebersihan di Perusahaan Sp. Asia berjalan di luar prosedur perjanjian formal, dilakukan oleh distributor secara sepihak, tanpa dasar hukum kontrak yang jelas. Praktik ini menimbulkan ketidakseimbangan hak dan kewajiban, serta menyimpan potensi konflik jika tidak diatur secara lebih rinci dan kesepakatan bersama.
Praktek Jual Beli Mysteri Box Perspektif Fiqih Muamalah Vito Muhammad Alfarez; Sandy Rizki Febriadi; Maman Surahman
Bandung Conference Series: Sharia Economic Law 289-296
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v5i2.20199

Abstract

Abstract. The practice of buying and selling mystery boxes through the livestreaming feature on TikTok Shop is becoming increasingly popular, especially among the younger generation. However, from the perspective of Islamic financial jurisprudence (fikih muamalah), this practice raises issues, particularly concerning the clarity of the contract object (ma‘qūd ‘alayh), potential elements of gharar (uncertainty), and its inconsistency with the principle of justice in Islamic transactions. This research employs a normative juridical approach with qualitative methods, examining sources of Islamic law such as the Qur'an, Hadith, and the principles of ushul fiqh. The research findings indicate that mystery box transactions contain elements of gharar because the buyer does not know the contents of the items at the time of the contract. This uncertainty has the potential to harm one party and approaches the element of maysir (gambling), which is clearly prohibited in Islam. Therefore, this practice is considered invalid according to fikih muamalah. The study recommends the need for more extensive sharia education for the community and oversight from the relevant authorities. Abstrak. Praktik jual beli mystery box melalui fitur livestreaming di TikTok Shop kian populer, khususnya di kalangan generasi muda. Namun, dari perspektif fikih muamalah, praktik ini menimbulkan persoalan, terutama terkait kejelasan objek akad (ma‘qūd ‘alayh), potensi unsur gharar (ketidakjelasan), dan ketidaksesuaian dengan prinsip keadilan dalam transaksi Islam. Penelitian ini menggunakan pendekatan yuridis normatif dengan metode kualitatif, mengkaji sumber hukum Islam seperti Al-Qur’an, hadis, serta kaidah ushul fiqh. Hasil penelitian menunjukkan bahwa transaksi mystery box mengandung unsur gharar karena pembeli tidak mengetahui isi barang saat akad terjadi. Ketidakpastian ini berpotensi merugikan salah satu pihak dan mendekati unsur maysir (perjudian), yang jelas dilarang dalam Islam. Oleh karena itu, praktik ini dinilai tidak sah menurut fikih muamalah. Penelitian ini merekomendasikan perlunya edukasi syariah yang lebih masif kepada masyarakat dan pengawasan dari otoritas terkait agar transaksi digital tetap sesuai syariat. Selain itu, dibutuhkan peran aktif ulama, lembaga pendidikan, dan konten kreator Muslim untuk menyosialisasikan prinsip muamalah Islam di era digital yang terus berkembang.
Tinjauan Fiqih Muamalah terhadap Praktik Pemberian Bonus dalam Jual Beli Cicilan Paket Lebaran di Kp. Paledang Ds. Bojongkunci Shafira Aulya Suwandi; Asep Ramdan Hidayat; Maman Surahman
Bandung Conference Series: Sharia Economic Law 325-332
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v5i2.20458

Abstract

Abstract.The implementation of the Lebaran package in Paledang Village, Bojongkunci Village, the package provider does not only provide the goods agreed upon from the start, but adds cash as a bonus. The package provider only gave bonuses to some participants. The provision of this bonus creates an injustice that is debated among the participants. This research originated from the phenomenon that arose in the practice of Lebaran package installments in Paledang Village. It aims to examine how the mechanism of giving bonuses and implemented in the purchase transaction of package installments, the impact caused by the practice of giving bonuses. In addition, it analyzes the practice in accordance with the principles of fiqh muamalah.This research uses a qualitative research method with an empirical normative approach. The normative approach helps in preparing a strong theoretical foundation by analyzing data using the theory and principles of muamalah fiqh. The empirical approach is direct data collection through interviews. Based on the results of interviews with participants, it can be seen that the sense of injustice felt by participants is not only about the value of bonuses received, but also on the lack of clear information regarding the provision of bonuses like this. Although this bonus is categorized as a grant that is allowed in Islam, it should be implemented clearly. Therefore, it is important for the manager to provide clarity, transparency, and fairness in order to comply with Islamic law. Abstrak.Pelaksanaan paket lebaran di Kampung Paledang Desa Bojongkunci penyedia paket tidak hanya memberikan barang yang disepakati sejak awal, tetapi menambahkan uang tunai sebagai bonus. Penyedia paket hanya memberikan bonus kepada beberapa peserta saja. Pemberian bonus ini menimbulkan adanya ketidakadilan yang menjadi perdebatan di kalangan peserta. Penelitian ini berawal dari fenomena yang muncul dalam praktik cicilan paket lebaran di Kampung Paledang. Bertujuan untuk meneliti cara mekanisme pemberian bonus dan diimplementasikan dalam transaksi pembelian cicilan paket, dampak yang ditimbulkan dari praktik pemberian bonus. Selain itu, menganalisis praktik tersebut sesuai dengan prinsip fiqih muamalah. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan normatif empiris. Pendekatan normatif membantu dalam menyusun landasan teori yang kuat dengan menganalisis data menggunakan teori dan prinsip fiqih muamalah. Pendekatan empiris merupakan pengambilan data secara langsung melalui wawancara. Berdasarkan hasil wawancara dengan peserta, telihat bahwa rasa ketidakadilan yang dirasakan oleh peserta tidak hanya mengenai pada nilai bonus yang diterima, tetapi juga pada ketidakjelasan informasi terkait pemberian bonus seperti ini. Meskipun pemberian bonus ini dikategorikan sebagai hibah yang diperbolehkan dalam islam, namun sebaiknya dilaksanakan dengan jelas. Oleh karena itu, penting bagi pihak pengelola untuk memberikan kejelasan, transparansi, serta keadilan agarsesuai dengan syariat islam.
Analisis Akad Istishna dan KUHPerdata Pasal 1320 terhadap Praktik Jual Beli Rumah Indent Devi Marvina; Sandy Rizki Febriadi; Maman Surahman
Bandung Conference Series: Sharia Economic Law 341-350
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v5i2.20760

Abstract

Abstract. This research is motivated by the widespread practice of indent house buying and selling offered with a sharia concept, but in practice various problems are found, especially defaults from developers who do not disburse funds to land owners and fail to complete house construction. The purpose of this research is to determine how the practice of indent house buying and selling in Housing X is carried out and to analyze its compliance with the istishna contract and Article 1320 of the Civil Code. This research uses a qualitative method with an empirical juridical approach. The object of the research is Housing X which is developed by a sharia developer, with data collection techniques through direct interviews with land owners, developers, and consumers. Data are analyzed through Islamic law and civil law approaches. The results of the research indicate that the practice of indent house buying and selling does not fully fulfill the requirements for a valid agreement and istishna contract, especially in the aspects of agreement clarity, building specifications, and handover time. This research concludes that the practice is not in accordance with the principles of muamalah fiqh or the provisions of the requirements for a valid agreement in civil law. Therefore, it is necessary to increase legal literacy and supervision from authorized institutions so that sharia principles are not misused merely as a marketing strategy. Abstrak. Penelitian ini dilatarbelakangi oleh maraknya praktik jual beli rumah secara indent yang ditawarkan dengan konsep syariah, namun dalam praktiknya ditemukan berbagai permasalahan, khususnya wanprestasi dari pihak developer yang tidak menyalurkan dana kepada pemilik lahan dan gagal menyelesaikan pembangunan rumah. Tujuan penelitian ini adalah untuk mengetahui bagaimana praktik jual beli rumah indent di Perumahan X dijalankan serta menganalisis kesesuaiannya dengan akad istishna dan KUHPerdata Pasal 1320. Penelitian ini menggunakan metode kualitatif dengan pendekatan yuridis empiris. Objek penelitian adalah Perumahan X yang dikembangkan oleh pihak developer syariah, dengan teknik pengumpulan data melalui wawancara langsung terhadap pemilik lahan, pihak developer, dan konsumen. Data dianalisis melalui pendekatan hukum Islam dan hukum perdata. Hasil penelitian menunjukkan bahwa praktik jual beli rumah indent tersebut tidak sepenuhnya memenuhi syarat sah perjanjian dan akad istishna, terutama dalam aspek kejelasan perjanjian, spesifikasi bangunan, dan waktu serah terima. Penelitian ini menyimpulkan bahwa praktik tersebut belum sesuai dengan prinsip fiqih muamalah maupun ketentuan syarat sah nya perjanjian dalam hukum perdata. Oleh karena itu, diperlukan peningkatan literasi hukum serta pengawasan dari lembaga berwenang agar prinsip syariah tidak disalahgunakan sebagai strategi pemasaran semata.
Co-Authors Agni Devi Putri Romadhoni Ahmad Zaini, Abdul Malik dan Asep Ramdan Hidayat Ayuningtyas Bastman Azky Asrultsani Ridwan Cecep Kusmana Devi Marvina Dinie Agistiani Dewantara Dwi Puspita Sari Eva Fauziah Eva Misfah Bayuni Fadilah Ilahi Fahmi Fatwa Rosyadi Satria Fahmi Fatwa Rosyadi Satria Hamdani Farid Raihan Fadhillah Febriadi, Sandy Rizki Hendi Suhendi Ikrimah Aunurrofiq Ila Nurmila Ine Yuanisa Intan Nurrachmi Istia Nabila Aulia Iwan Permana Kanaya Jentira Liza Dzulhijjah Loliyana Loliyana M Abnan SA Mochammad Ilham Sabilah Trigha Moh Rafli Muhammad Rival Tyo Anggara N Eva Fauziah Neng Dewi Himayasari Nuri Rufaidah Al Anshariyah Nurrohman Nurrohman Nurul Novianti Azzahra Panji Adam Agus Putra Popon Srisusilawati Rachma Chika Fitria Anjani Rahma Mutmainnah Redi Hadiyanto Resya Wahyuni Reyhan Maharis Fadilah Riska Ariani Siregar Rizal Maulana Sandy Rizki Febriadi Sani Khairil Shafira Aulya Suwandi Siska Lis Sulistiani Syifa Manzilla Tousiya Tri Ambarwati Verdiyanti Agus Wildiyani Vito Muhammad Alfarez Yayat Rahmat Hidayat Yoga Fernando Rizqi Yuda Dharma Putra Zia Firdaus Nuzula