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Application of Mu'nah Rahn Tasjily in Land Collateral: Integration of DSN-MUI Fatwa and Sharia Economic Principles Wasman, Wasman; Elena, Sekar; Khoirudin, Ahmad; Fatakh, Abdul; Setiawan, Fajar
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 9, No 2 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.18549

This study investigates the application of mu’nah rahn tasjily in land collateral financing at Pegadaian Syariah KC. Cipto Mangunkusumo Cirebon, integrating the DSN-MUI Fatwa No. 68/DSN-MUI/III/2008 and the Compilation of Sharia Economic Law (KHES). Employing a qualitative approach with a normative-empirical methodology, the research combines literature reviews and field investigations. Primary data were collected through interviews with employees and managers, while secondary data included books, journals, and relevant documents. Data collection methods involved observation, structured interviews, and documentation, focusing on the implementation of mu’nah in land certificate financing for the year 2023. The findings reveal two types of rahn tasjily contracts, with one involving the determination of mu’nah based on the loan amount. In these contracts, the collateral submitted serves only as proof of ownership, while the pledger retains control over the physical collateral. However, an analysis of the DSN-MUI Fatwa indicates a deviation in practice at Pegadaian Syariah KC. Cipto Mangunkusumo, as mu’nah is calculated proportionally to the loan amount rather than independently. Furthermore, the KHES emphasizes time-based calculations for ijarah, suggesting the necessity of structured time limitations to prevent disputes and ensure compliance with Sharia principles. This study underscores the need for a more consistent application of Sharia guidelines in determining mu’nah to enhance transparency and fairness in Islamic financial practices.Keywords: Mu’nah Rahn Tasjily, Land Collateral, DSN-MUI Fatwa, Sharia Economic Law, Islamic Pawnshop Practices.

Rasional Ekonomi Konvensional Dan Syariah Perspektif Pemikiran Monzer Kahf Abdul Fatakh; Samud Samud
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 1: November 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i1.6210

Ekonomi konvensional dan ekonomi syariah merupakan dua sistem yang berbeda dalam prinsip, tujuan, dan pendekatannya. Ekonomi konvensional berorientasi pada efisiensi dan optimalisasi keuntungan individu, sedangkan ekonomi syariah berlandaskan pada prinsip-prinsip Islam yang menekankan keadilan, kesejahteraan kolektif, dan keseimbangan antara kebutuhan duniawi dan ukhrawi. Pemikiran Monzer Kahf memberikan kontribusi signifikan dalam menjelaskan perbedaan rasionalitas kedua sistem ini. Menurut Kahf, ekonomi konvensional didasarkan pada rasionalitas utilitarian, sementara ekonomi syariah dipandu oleh nilai-nilai moral dan maqashid syariah. Ekonomi syariah tidak hanya berfungsi sebagai sistem yang melarang praktik-praktik yang tidak etis, tetapi juga sebagai sarana untuk membangun keadilan sosial dan distribusi kekayaan yang adil. Artikel ini bertujuan untuk mengkaji secara mendalam perspektif Monzer Kahf terkait rasionalitas ekonomi konvensional dan syariah, serta relevansinya dalam menjawab tantangan ekonomi modern.

THE IMPACT COVID-19 ON POVERTY LEVEL OF COMMUNITY FROM AN ISLAMIC ECONOMIC PERSPECTIVE Adiliani, Ana; Abikusna, R Agus; Fatakh, Abdul; Abdurokhim, Abdurokhim
Journal of Economic Development and Village Building Vol. 1 No. 1 (2023): Journal of Economic Development and Village Building
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jedvb.v1i1.1

The purpose of this research is to find out and analyze poverty in terms of the Covid-19 Pandemic and in general before the Pandemic hit Rungkang Village, and how to overcome poverty occurs through the role of government and the Islamic economy so that it can eliminate poverty. This type of research is descriptive qualitative research, and the approach used in this research is ethnographic research. The research location taken was in Rungkang Village, Losari District, Brebes Regency. The implementation time is from November 2021 to May 2022. The data taken is real data obtained from the field. Sources of data in this study were obtained from communities affected by the Covid-19 pandemic in Rungkang Village, Losari District, Brebes Regency. Data collection techniques were carried out using observation, interviews, and documentation. The data analysis technique uses interactive Milles and Huberman analysis. The results of the study show that the Covid-19 Pandemic has had an impact on changing the behavior of the people of Rungkang Village where economic activity has driven an increasing poverty rates where unemployment has reduced the economy.

Sharia Economic Law Analysis of Paylater Features in Online Marketplace Transactions Fatakh, Abdul; Rosanti, Eka; Suharto, Toto; Annisa, Dila
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 10, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i1.20292

The advancement of digital technology has significantly transformed buying and selling systems, particularly through online marketplace platforms. One notable innovation is the paylater payment scheme, which allows consumers to defer payments after completing transactions. While this method offers practical convenience, it raises critical concerns from the perspective of Sharia economic law, especially regarding the elements of riba (interest), gharar (uncertainty), and transactional justice. This study aims to analyze the implementation of paylater features in the Hijabequlla marketplace by examining their compliance with Sharia economic principles. Using a qualitative descriptive method, data were collected through observation, interviews, and literature review. The findings reveal that although the paylater scheme facilitates online purchases, its current implementation shows potential violations of Sharia provisions—particularly those outlined in the DSN-MUI Fatwa No. 1 of 2004 concerning interest-based transactions. The novelty of this research lies in its contextual analysis of a contemporary marketplace platform using the framework of Islamic economic law, offering insights into the alignment—or misalignment—between digital consumer financing and Sharia norms. The study concludes that a reconstruction of the paylater system is needed to ensure compliance with Islamic legal standards, thereby promoting fair and ethical digital transactions.Keywords: Marketplace; Paylater; DSN-MUI Fatwa; Digital Transactions; Sharia Economic Law.

Wanita Karir dalam Tinjauan Hukum Islam Fatakh, Abdul
Mahkamah : Jurnal Kajian Hukum Islam Vol 3, No 2 (2018)
Publisher : Institut Agama Islam Negeri (IAIN) Syekh Nurjati Cirebon

AbstrakArtikel ilmiah ini membuktikan bahwa hukum wanita karir dalam Islam dengan merujuk kepada pendapat para ulama dan fuqaha sangat beragam. Pandangan bahwa wanita tidak boleh berkarir di luar rumah secara totalitas dibantah dalam artikel ini. Wanita lebih utama di rumah memang benar, namun bukan berarti berkarir bagi wanita di luar rumah itu tidak boleh. Islam mengatur secara gamblang dan jelas bagaimana seharusnya wanita yang ingin berkarir. Berkarir di luar rumah juga pernah dilakukan oleh para wanita di zaman Nabi Muhammad Saw, termasuk istri-istri beliau dan para shahabiyyah (sahabat dari kalangan perempuan). Kajian ini mengajak para pembaca terutama para laki-laki untuk lebih arif dalam memandang wanita karir. Selain itu,Â agar para wanita karir paham akan hukum Islam dalam berkarir sehingga tidak melewati batas-batas yang telah ditetapkan dalam Islam.AbtractThis scientific article proving that legal career women in Islam by referring to the opinion of the scholars and jurists are very diverse.The view that women should not be a career outside the home in totality is contradicted with the conclusion this article.Women better at home it is true, but it does not mean a career for women outside the home it should not be. Islam set in stark and clear how should women who want a career. A career outside the home has also been done by women at the time of the Prophet Muhammad's wives, including she and his shahabiyyah.This study invites readers especially the males to be more discerning in looking at career women. In addition, so that the women would understand Islamic law career in a career so don't cross the limits that have been set out in Islam.Nikmati pengalaman bermain slot zeus, grafis epik dan fitur bonus hadir untuk meningkatkan peluang kemenangan.

Islamic Law: KONTROVERSI DINAR DIRHAM SEBAGAI ALAT TUKAR JUAL BELI DALAM PERSPEKTIF FIQIH KONTEMPORER Mustaqim, Dede Al; Abdul Fatakh
LEX LAGUENS: Jurnal Kajian Hukum dan Keadilan Vol. 1 No. 2 (2023): LEX LAGUENS: Jurnal Kajian Hukum dan Keadilan (August)
Publisher : YAYASAN PENDIDIKAN DAN PELAYANAN KESEHATAN RAHMAT HUSADA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.08221/lexlaguens.v1i2.12

The issue with this controversy is the use of dinar and dirham as the standard currency in the past, which is considered by some Muslim groups as a superior exchange tool for buying and selling compared to modern currency. However, on the other hand, the use of dinar and dirham is deemed impractical in its application. The purpose of this research is to explore the views of contemporary fiqh scholars on the use of dinar and dirham as a means of exchange in buying and selling, and to examine to what extent the use of dinar and dirham can be applied in the context of modern economics. The research method employed is literature study by collecting and analyzing various opinions of scholars and relevant literature. The results of the study show that contemporary fiqh scholars have diverse views on the use of dinar and dirham as a means of exchange in buying and selling. Some scholars argue that the use of dinar and dirham is still relevant in the context of modern economics because they have stable intrinsic value and can avoid inflation problems. However, there are also those who believe that the use of dinar and dirham is limited to the past and is not practical in its use in the modern era. The conclusion of this research is that the use of dinar and dirham as a means of exchange in buying and selling remains a topic of debate in the perspective of contemporary fiqh. The decision to use dinar and dirham or other currencies should be based on the convenience and needs of society, as well as adequate infrastructure support for their use. This research can provide a more comprehensive understanding of the controversy surrounding the use of dinar and dirham in the context of contemporary fiqh and can serve as a reference for academics and society to make wise decisions in the use of exchange tools for buying and selling.

Peran Media Sosial Sebagai Sarana Partisipasi Warganet Dalam Mewujudukan Keadilan dan Akuntabilitas Penegakan Hukum di Indonesia Al Mustaqim, Dede; Abdul Hakim, Fadlih; Atfalina, Hikmah; Fatakh, Abdul
Journal of Multidisciplinary Research and Development Vol. 1 No. 1 (2024)
Publisher : Papanda Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56916/jmrd.v1i1.655

Media sosial telah menjadi alat yang semakin krusial bagi warganet dalam berpartisipasi aktif dalam mewujudkan keadilan dan meningkatkan akuntabilitas penegakan hukum di Indonesia. Penelitian ini bertujuan untuk merinci dan menganalisis peran media sosial dalam memfasilitasi partisipasi warganet serta dampaknya terhadap keadilan dan akuntabilitas, khususnya dalam konteks penegakan hukum di Indonesia. Dalam metodologi penelitian ini, dilakukan studi literatur menyeluruh dan analisis mendalam terhadap kasus-kasus kontroversial yang melibatkan media sosial. Temuan utama penelitian ini menunjukkan bahwa partisipasi aktif warganet melalui media sosial dapat berkontribusi signifikan dalam mewujudkan keadilan dan meningkatkan tingkat akuntabilitas penegakan hukum di negara ini. Dengan berbagai platform media sosial, warganet dapat dengan cepat menyebarkan informasi, memobilisasi dukungan publik, dan mengawasi tindakan penegak hukum. Meskipun demikian, penelitian ini juga mengidentifikasi beberapa tantangan dan kendala yang perlu diatasi agar potensi media sosial dapat dimaksimalkan dalam mencapai tujuan tersebut. Dukungan yang lebih kuat, pengelolaan konten yang bijaksana, dan regulasi yang tepat diperlukan untuk memastikan bahwa media sosial dapat berfungsi sebagai alat yang efektif dalam mencapai keadilan dan akuntabilitas dalam penegakan hukum di Indonesia.

THE IMPACT COVID-19 ON POVERTY LEVEL OF COMMUNITY FROM AN ISLAMIC ECONOMIC PERSPECTIVE Adiliani, Ana; Abikusna, R Agus; Fatakh, Abdul; Abdurokhim, Abdurokhim
Journal of Economic Development and Village Building Vol. 1 No. 1 (2023): Journal of Economic Development and Village Building
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jedvb.v1i1.1

The purpose of this research is to find out and analyze poverty in terms of the Covid-19 Pandemic and in general before the Pandemic hit Rungkang Village, and how to overcome poverty occurs through the role of government and the Islamic economy so that it can eliminate poverty. This type of research is descriptive qualitative research, and the approach used in this research is ethnographic research. The research location taken was in Rungkang Village, Losari District, Brebes Regency. The implementation time is from November 2021 to May 2022. The data taken is real data obtained from the field. Sources of data in this study were obtained from communities affected by the Covid-19 pandemic in Rungkang Village, Losari District, Brebes Regency. Data collection techniques were carried out using observation, interviews, and documentation. The data analysis technique uses interactive Milles and Huberman analysis. The results of the study show that the Covid-19 Pandemic has had an impact on changing the behavior of the people of Rungkang Village where economic activity has driven an increasing poverty rates where unemployment has reduced the economy.

Pengelolaan Dana Tabarru dan Proses Klaim Asuransi Kesehatan Syariah pada Bank Muamalat Cabang Sumber Hafizd, Jefik Zulfikar; Al-Hanif, Elbayati; Khoirudin, Ahmad; Fatakh, Abdul
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 3 No. 4 (2025): Oktober : JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jmbe-itb.v3i4.3590

This study aims to analyze the management of tabarru funds in sharia health insurance and the sharia health insurance claims process at Bank Muamalat Syariah. The method used in this study is a literature study method, and through a qualitative descriptive approach. Sharia Health Insurance has a solid legal basis, firmly rooted in the principles of Islamic sharia (ta'awun, avoiding gharar and usury) and supported by positive Indonesian law (Law No. 40 of 2014) and DSN-MUI Fatwas (No. 21, 52, 53) which regulate general guidelines, Wakalah bil Ujrah contracts, and Tabarru' contracts. All operations are based on the main principles of Takaful (mutual responsibility), Wakalah (representation), and Tabarru' (voluntary contribution) for the benefit of the community broadly and sustainably. In practice, Bank Muamalat's Sumber Branch, in collaboration with trusted insurance partners, strictly manages the Tabarru' Fund, which is separated from the company's funds and invested in halal instruments such as Sukuk and Sharia Deposits. To ensure fairness, the Claims Process is designed to be efficient through a Cashless or Rembes mechanism, while still implementing strict health history verification (anti-fraud) to exclude pre-existing conditions, ensure transparency, and ensure compliance with the agreed-upon agreements to maintain participant trust.

Setting Refund and Warranty Clauses Urgency in Electronic Agreements: Harmonization between Covenant Law & Consumer Protection Fatakh, Abdul
JURNAL AKTA Vol 12, No 4 (2025): December 2025
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v12i4.47078

The rapid growth of electronic transactions in the digital era has driven the transformation of conventional contract models into e-contracts based on digital and automated systems. However, this transformation poses serious challenges in terms of legal protection for consumers, particularly regarding refund and warranty clauses, which are often unilaterally drafted by businesses. The main issue addressed in this research is the lack of clarity in the substance of refund and product warranty clauses in electronic contracts, which contradicts the principles of contractual fairness and consumer protection. This study used a normative juridical method with statutory and comparative legal approaches, focusing on international practices, particularly in the European Union. The findings reveal a regulatory gap in Indonesia's positive law, including Law No. 8 of 1999 on Consumer Protection, Law No. 11 of 2008 on Electronic Information and Transactions, and the Indonesian Civil Code. The absence of minimum standards for refund and warranty clauses results in an imbalance of power between businesses and consumers and undermines legal certainty in digital transactions. Therefore, there is a need to harmonize the principle of freedom of contract with consumer protection through the establishment of regulations that govern standard clauses in a transparent, proportional, and fair manner. Such regulation is expected to resolve the dilemma between business efficiency and the fairness of legal protection, and to foster the development of a sustainable digital trade ecosystem.

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