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All Journal Al-Mustashfa Tawazun: Journal of Sharia Economic Law NISBAH: JURNAL PERBANKAN SYARIAH
Afif Muamar
Fakultas Syariah dan Ekonomi Islam IAIN Syekh Nurjati Cirebon
Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PERJANJIAN KEMITRAAN ANTARA PT. GO-JEK CABANG CIREBON DENGAN MITRA PENGENDARA DALAM PRESPEKTIF HUKUM ISLAM DAN HUKUM PERDATA Ratna Sari; Afif Muamar; Abdul Aziz
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 4, No 2 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v4i2.5493

Abstract

AbstractThis study aims to find out and analyze how the practice of this partnership agreement is seen from Islamic law and Civil law. The method used in this study is Normative Juridical and qualitative research approaches. Data collected is from observation, interviews, and literature study. The results of this study. 1) In terms of Islamic law, the implementation of the partnership agreement between PT. Go-Jek Indonesia with the rider's partner, Akad Syirkah, contained in DSN Fatwa Number 114 / DSN-MUI / IX / 2017 concerning Syirkah Agreement. This agreement is also included in Syirkah Inan. Whereas 2) in terms of Civil Law, this Go-Jek partnership agreement is by Article 1313 of the Civil Code because all of the terms of the agreement contained in the Civil Code Article 1320. This agreement also does not conflict with the principle of freedom of contract, because an agreement has been reached with the signing and Click agree on the Go-Jek application by Rider Partners, so this agreement is legal and binding on both parties. And must exercise their rights and obligations for the contracting parties.Keywords: Partnership Agreement, Islamic Law, Civil Law, and Go-Jek. AbstrakPenelitian ini bertujuan untuk mengetahui dan menganalisis bagaimana praktek dari perjanjian kemitraan ini dilihat dari hukum Islam dan hukum Perdata. Metode yang digunakan pada penelitian ini yaitu Yuridis Normatif dan pendekatan penelitian kualitatif. Data yang dikumpulkan yaitu dari observasi, wawancara, dan studi pustaka. Adapun hasil dari penelitian ini. 1) Ditinjau dari hukum Islam, pelaksanaan perjanjian kemitraan antara PT. Go-Jek Indonesia dengan mitra pengendara yaitu Akad Syirkah yang terdapat dalam Fatwa DSN Nomor 114/DSN-MUI/IX/2017 Tentang Akad Syirkah. Perjanjian ini juga termasuk dalam Syirkah Inan. Sedangkan 2) ditinjau dari Hukum Perdata, perjanjian kemitraan Go-Jek ini sesuai dengan KUHPerdata Pasal 1313 karena terpenuhinya semua syarat perjanjian yang terdapat dalam KUHPerdata Pasal 1320. Perjanjian ini juga tidak bertentangan dengan asas kebebasan berkontrak, karena sudah tercapainya kata sepakat dengan adanya penandatanganan dan klik setuju pada aplikasi Go-Jek oleh Mitra Pengendara, sehingga perjanjian ini sah dan mengikat kedua belah pihak. Serta harus melaksanakan hak dan kewajibannya bagi para pihak yang berkontrak.Kata Kunci: Perjanjian Kemitraan, Hukum Islam, Hukum Perdata, dan Go-Jek.
Strategi Pemasaran Pembiayaan Arrum Haji Dalam Meningkatakan Jumlah Nasabah di Unit Pegadaian Syariah (UPS) Cirebon Bisnis Center Oktavia Fajrin; Afif Muamar
TAWAZUN : Journal of Sharia Economic Law Vol 2, No 2 (2019): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v2i2.6095

Abstract

Hajj Financing for Micro Business (Arrum) Hajj in Pegadaian Syariah is relatively new, because this product was only launched in 2016. For this new product an introduction is needed to be able to attract the interest of the community. Therefore, this study aims to determine marketing strategies, the mechanism of Arrum Hajj financing registration, and to determine customer responses to Arrum Hajj products at the Pegadaian Syariah Cirebon Business Center. This study used a qualitative method with a descriptive analytical approach, and this research resulted in a marketing strategy conducted by the CBC Sharia Pawnshop Unit using a 4p strategy, namely Product, Price, Place, and Promotion. The results of this study found that the price and place strategy had been determined by the head office and the Pegaadian Sharia branch office. While the product strategy has been going very well, by providing services and comfort, as well as promotion strategies carried out by sharia pawnshops are quite diverse such as holding seminars, socialization, cross selling techniques and so on. Hajj arrum registration mechanism is in accordance with existing procedures. And the response given by Arrum Hajj financing customers is very good, because with the availability of Arrum Hajj products can ease the burden on customers and can quickly get a portion of Hajj.
DIFERENSIASI DAN TINGKAT PEMAHAMAN PRODUK, SERTA KUALITAS SUMBER DAYA MANUSIA ATAS KEPUTUSAN NASABAH PERBANKAN SYARIAH Uswatun Khasanah; Afif Muamar
NISBAH: Jurnal Perbanka Syariah Vol. 6 No. 1 (2020): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (452.492 KB) | DOI: 10.30997/jn.v6i1.2104

Abstract

Pertumbuhan industri perbankan yang semakin besar menciptakan semakin ketatnya persaingan antara industri perbankan syariah tersebut, sehingga akan membuat konsumen memiliki banyak pilihan alternatif sebelum memutuskan bank yang akan dituju untuk melakukan transaksi perbankan syariah. Penelitian ini bertujuan untuk mengungkap tingkat pemahaman kualitas sumber daya manusia nasabah terhadap keputusan nasabah, persepsi diferensiasi produk terhadap keputusan nasabah. Penelitian ini menggunakan penelitian kualitatif, data yang dikumpulkan dengan cara interview (wawancara), observasi, dokumentasi kemudian dianalisis dengan metode deskriptif analisis. Adapun hasil penelitian membuktikan persepsi nasabah dalam diferensiasi produk, tingkat pemahaman produk, dan kualitas sumber daya manusia memiliki pengaruh positif terhadap keputusan nasabah pada Perbankan Syariah. Artinya menurut konsumen ketiga komponen tersebut dianggap penting ketika akan menggunakan jasa pada Perbankan Syariah.
Co-Authors Aziz, Abdul Oktavia Fajrin Ratna Sari Uswatun Khasanah