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ANALISIS TRANSAKSI KREDIT SECARA ONLINE PADA APLIKASI AKULAKU DALAM PERSPEKTIF HUKUM POSITIF DAN HUKUM ISLAM: Studi Pada Mahasiswa IAI AL-AZIS Faiha Nur Baiti; Irvan Iswandi
Jurnal Penelitian Multidisiplin Ilmu Vol 1 No 3 (2022): Oktober 2022
Publisher : Melati Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59004/metta.v1i3.169

Abstract

Many services are offered to simplify the process of transacting via the internet, ranging from E-Banking, Smart business, bill payments, booking tickets for both planes and cinemas, online loans, and even online credit. The purpose of this study was to determine the practice of buying and selling credit transactions online for Akulaku application users at IAI AL-AZIS students. And to find out the practice of buying and selling credit transactions online for IAI AL-AZIS Students in Positive Law Perspectives and Islamic Law. This study uses a qualitative approach. The approach used in this research is an empirical juridical approach or the sociology of law. The research data sources are primary data sources and secondary data sources. Data collection techniques in this study were observation, interviews and documentation. The results of the study that the practice of online credit transactions for Akulaku application users at IAI AL-AZIS students turned out to include: 1) The first step was downloading the Akulaku application. 2) Registration enter personal data and mobile number via email or telephone. 3) After successfully registered, re-open the application then look for the borrower service menu to see the loan products offered. 4) Select the loan and product type. 5) Fill in the loan nominal and tenor. 6) Enter the account number. 7) Verify the data regarding the loan amount and tenor as well as the fees charged. 8) Voice verification. 9) SMS verification. 10) Selection process. The practice of online credit buying and selling transactions carried out by IAI AL-AZIS students is in accordance with the perspective of Positive Law. The practice of debt and receivables is explained in OJK Regulation Number 77/POJK.07/2016 concerning Information Technology-Based Money Loan Services, which regulates the implementation of Fintech peer to peer lending (P2PL). Meanwhile, in the perspective of Islamic Economic Law, the practice of online debt and credit is allowed with the fulfillment of Islamic law in muamalah.
RELEVANSI BELANJA ONLINE TERHADAP PERILAKU KONSUMTIF MASYARAKAT: Studi Kasus Kp. Sembung 1, Desa Gunungsembung Kec. Pagaden Subang Ainul Haq; Irvan Iswandi
Jurnal Penelitian Multidisiplin Ilmu Vol 1 No 3 (2022): Oktober 2022
Publisher : Melati Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59004/metta.v1i3.172

Abstract

The more people who have the Online Shopping platform, the convenience and motivation of people's shopping increases as well. This makes many people who make online shopping an alternative, some make it their main media for shopping, some even just make it a side job by opening stalls through the online shopping platform. This study aims to find out how the positive legal review and Islamic law regarding the relevance of buying and selling online to the consumptive behavior of the community in Kp. Sembung 1, Gunungsembung Village, Kec. Pagaden Subang. With the above problems, the specific goal is to find out how far the relationship between the consumptive behavior of the community and the existence of online shopping activities is related to positive law and Islamic law. This study used qualitative research methods. The data used are primary data, data collection by documentation and interview methods. Primary data sources in this study were obtained through iforman, namely people who are used to shopping online. Regarding secondary data sources used in the form of documents, books, notes, and so on. The results of this study indicate that 1) Online shopping with consumptive behavior is very sustainable, because consumptive behavior will not occur without opportunities that make it easier for buyers to get the goods they want easily, so they are often unconscious to buy goods that are less or even the same. absolutely not needed. So there is a very close relationship or relevance between online shopping and consumptive behavior, especially for some people in Kp. Sembung 1 Rt 02 Rw 01 Village. Gunungsembung District. Pagaden Subang Regency. An overview of Islamic law on online shopping in Kp. Sembung 1 Rt 02 Rw 01 Village. Gunungsembung District. Pagaden Subang Regency that there are no elements that violate Islamic law. Contracts in online buying and selling transactions are different from direct contracts. Electronic transactions usually use a written contract. Buying and selling through electronic media is a sale and purchase transaction carried out using modern technology, the validity of which depends on whether or not the pillars or conditions that apply in the sale and purchase are fulfilled. While the terms of the seller and buyer are reasonable. Then in the sale and purchase contract, the agreement and acceptance have been made, the ownership of the goods changes hands from the seller's hands to the buyer's hands and the value of money changes vice versa.
KUALITAS LAYANAN MOBILE BANKING DALAM TINJAUAN HUKUM POSITIF DAN HUKUM ISLAM: Studi Kasus di Bank BJB Syariah KCP. Patrol Indramayu Hendy Widiyanto; Irvan Iswandi
Jurnal Penelitian Multidisiplin Ilmu Vol 1 No 3 (2022): Oktober 2022
Publisher : Melati Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59004/metta.v1i3.178

Abstract

This study is a study of the influence of the quality of mobile banking services on the BJB Syariah Bank based on the level of customer satisfaction in the perspective of positive law and Islamic law. The purpose of this study is to look at the effect of the quality of mobile banking services on the level of customer satisfaction in perspective of positive law and Islamic law. This can be seen from tangible, the relibiality, responsivitness, assurance, and empaty. This study uses primary data by conducting interviews and distributing questionnaires, and secondary data that is with books, documents and related literature that have relevance that support research. This research uses a quantitative approach. The discussion of the results of the study used a descriptive analysis approach in which the author took a sample of 33 Islamic bank bjb customers. The sampling technique used in this study is a non probability sampling technique using snowball sampling technique that selects respondents through a rolling process from one respondent to another. While the hypothesis test uses the Determinant Coefficient (R) test and the T Test while the data analysis technique uses multiple linear regression analysis methods. The test results show that there is significant effect between mobile banking services and customer satisfaction in the perspective of positive law and Islamic law.
IMPLEMENTASI AKAD MURABAHAH PADA BANK BNI 46 SYARIAH DITINJAU DARI HUKUM ISLAM: Studi Kasus di Kantor Cabang Fatmawati Muhammad Aswin; Irvan Iswandi
Jurnal Penelitian Multidisiplin Ilmu Vol 1 No 3 (2022): Oktober 2022
Publisher : Melati Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59004/metta.v1i3.179

Abstract

The research problems are how does the Murabaha mechanism work at Bank BNI 46 Syariah Fatmawati Branch Office in South Jakarta? Does Murabaha contract at Bank BNI 46 Syariah Fatmawati Branch Office complies with Islamic law? The objectives of the study are to know how the Murabaha contract mechanism works and whether the Murabaha contract at Bank BNI 46 Syariah Fatmawati Branch Office in South Jakarta complies with Islamic law or not. This study used qualitative method. The data sources were primary and secondary data obtained by interviews, observation, and documentation. Data analysis begins with data collection, data reduction, followed by tabulating data and analyzing existing data in order to find results from research as answer to the predetermined research problems. The results showed that Murabaha contract mechanism can be run by customers applying for financing by bringing the necessary files to the bank, checking data / data verification in order to obtain data completeness, field surveys, evaluating needs and financing decisions, applying contracts and binding collateral as well as disbursement financing. This study also found that the Murabaha contract process managed by Bank BNI 46 Syariah Fatmawati Branch Office was in accordance with the National Sharia Board (DSN) fatwas of the Indonesian Ulema Council (MUI) No: 04 / DSNMUI / IV / 2000, and was done using four indicators namely sale and purchase agreements, profit margins, payment methods, and goods receipt.
PRAKTIK SEWA SAWAH SISTEM BAYAR PANEN (YARNEN) PERSPEKTIF HUKUM POSITIF DAN HUKUM ISLAM Hendi Suardana; Irvan Iswandi
Jurnal Penelitian Multidisiplin Ilmu Vol 1 No 3 (2022): Oktober 2022
Publisher : Melati Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59004/metta.v1i3.183

Abstract

Gantar Village in Indramayu Regency is a village which becomes national rice barn. Most of villagers are farmers from time to time, but not all of them have rice field or area as the place for farming. Most of Gantar Village people who do not have rice field usually rent it from the neighbors as the farming facility or usually called as Ijarah. Through the writing of this undergraduate thesis, the researcher would like to find out if the practice of Rice Field Rent Harvest Payment System (Yarnen) at Blok Nambo Gantar Village, Gantar Sub District, Indramayu Regency is already in accordance with the Positive Law and Islamic Law or not. In this undergraduate thesis, the researcher employed qualitative approach method which aimed to understand the social situation, events, roles, interaction and groups, and it gives recent information until it is beneficial for the development of science and to be applied in various fields. The results of this research showed that the implementation of rice field rent harvest payment system at Blok Nambo Gantar Village Gantar Sub District Indramayu Regency is rent agreement which has been conducted hereditarily. The agreement was conducted between two parties; the first party was the rice field owner and the second party was the rice field tenant. According to the positive law, the practice of rice field rent is legitimate according to Code of Civil Law Article 1548 which mentions that an agreement where one party ties himself/herself up to give the pleasure of certain goods to another party for certain period of time. According to the Islamic Law, the practice of rice field rent at Blok Nambo has fulfilled the principles and requirements of Islamic Law.
PRAKTIK JUAL-BELI BARANG SECARA SISTEM SALAM DITINJAU DARI HUKUM ISLAM: Studi Kasus di Koperasi Serba Usaha Desa Kota Indonesia Desa Mekarjaya Kecamatan Gantar Kabupaten Indramayu Aulia; Irvan Iswandi
Jurnal Penelitian Multidisiplin Ilmu Vol 1 No 3 (2022): Oktober 2022
Publisher : Melati Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59004/metta.v1i3.184

Abstract

This Undergraduate thesis discusses about the practice of goods buy and sell with Salam system reviewed from Islamic Law a case study at Various Business of Village and City in Indonesia, Mekarjaya Village, Gantar Sub District, Indramayu Regency. This Salam practice is a sale and purchase contract in which the goods order are suspended. However through the quality, quantity, type, and number of goods have been determined. The payment is conducted first when both parties agree to do the transaction. This undergraduate thesis aims to describe and explain the Islamic law review about Salam practice existed in various business cooperative of Village and City in Indonesia, Mekarjaya Village, Gantar Sub District, Indramayu Regency. Data collection techniques in this research were intervew and documentation. Data sources in this research were primary data namely the interview result with the apparatus, coordinator, and member of Various Business Cooperative of Village and City in Indonesia (KSU DESKOTIN) and secondary data namely documents, books, notes, and so on. Data analysis was conducted by using qualitative approach. Based on the research results obtained, it can be concluded that in salam practice at various business cooperative of Village and City in Indonesia, Mekarjaya Village, Gantar Sub District, Indramayu Regency the akd is valid because it has fulfilled the requirement and is in accordance with Islamic law. This As Salam akd prevails when the transaction between the coordinator and KSU DESKOTIN, even though not all coordinators during the transaction used al salam akd. Outside the transaction between the coordinator and KSU DESKOTIN, the akd is not al Salam but ba’i Mushowamah and ba’i Mua’zil.
TINJAUAN HUKUM ISLAM TERHADAP STRATEGI PEMASARAN RUMAH PADA PT. PROPERTINDO JAYA BERSAMA BEKASI Iman Supriatna; Irvan Iswandi
Jurnal Penelitian Multidisiplin Ilmu Vol 1 No 3 (2022): Oktober 2022
Publisher : Melati Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59004/metta.v1i3.193

Abstract

Housing is human basic needs and it has an extremely strategic role in forming the character and personality of a nation. It needs to be developed for the sake of life sustainability and improvement of human. However, not all people have the ability to buy a house built by the building developer caused by limited economic ability. This encourages the developer to compete building the feasible housing with reasonable price. PT. Propertindo Jaya Bersama as one of developer companies has business strategy so that middle to lower community can have their own house. In the business world, competition is a usual thing that must be faced by the entrepreneurs/businessmen, however in the competition they also must pay attention on their way business and in accordance with the Islamic Shariah. This research aims to investigate (1) how is the practice of housing marketing strategy at PT. Propertindo Jaya Bersama Bekasi, (2) how is the Islamic law review towards the housing marketing strategy at PT. Propertindo Jaya Bersama Bekasi. This research used qualitative method with case study approach. The data source collected were primary data taken from a number of respondents consisting of the house developer and the house buyer by using interview method and documentation method, while the secondary data could be through the library aiming to collect data and information with the book’s assistance obtained in the library. The research results were then analyzed using descriptive method. Based on the results of this research, PT. Propertindo Jaya Bersama applies marketing mix (4P) strategy principles namely Product, Price, Place, and Promotions. Product/goods owned by the developer have high specification. Price offered is included into cheap and sufficient category to compete with other developers. Place/location of the house being built by the developer is strategic enough and close to public facility. Promotion done by the developer is more in using electronic social media until the target of the sale aims to the millennial generation. The implementation of house business strategy applied by PT. Propertindo Jaya Bersama even though not carrying the shariah name but according to Islamic Law this business is allowed.
ANALISA PRAKTIK AKAD ISTISHNA TERHADAP JUAL BELI FIBER OPTIK PERSPEKTIF HUKUM POSITIF DAN HUKUM ISLAM: Studi di PT Smart Innovation Technology Eri Herdiansyah; Irvan Iswandi
Jurnal Penelitian Multidisiplin Ilmu Vol 1 No 3 (2022): Oktober 2022
Publisher : Melati Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59004/metta.v1i3.194

Abstract

PT. Smart Innovation Technology is a company formed by the idea and desire to increase advance technology in telecommunication field and Industry in Indonesia. In its journey, PT. Smart Innovation Technology could show its capability and quality by owning some patents, certificates, and international awards. It is also trusted as the consultant and work partner by many big companies in Indonesia. The purpose of this research was to find out the practice of Istishna Agreement in Optical Fiber Commerce at PT. Smart Innovation Technology if it is already in line with Positive Law and Islamic Law or not. In this undergraduate thesis, the researcher employed qualitative method which aimed to understand the social situation, event, role, interaction and group, and it gives current information until it is beneficial for the development of science and further to be applied in various field. From the research which had been conducted by the author, obtained the result that in the practice of Istishna agreement in Optical Fiber Commerce at PT. Smart Innovation Technology has been in line with the provision of Positive Law and Islamic Law. The transaction practiced between PT. Smart Innovation Technology as the seller and the client as the buyer had the deal first either price, specification, processing time, and goods handover.
AKAD KERJASAMA MERTELU PADA BIDANG PERTANIAN DI BLOK BALIR II DITINJAU DARI HUKUM ISLAM Rizqi Arifan Zulianto; Irvan Iswandi
Jurnal Penelitian Multidisiplin Ilmu Vol 1 No 3 (2022): Oktober 2022
Publisher : Melati Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59004/metta.v1i3.202

Abstract

This undergraduate thesis discusses how the implementation of the Mertelu cooperation contract in the agricultural sector in the Balir II Block in terms of Islamic Law. The practice of mertelu farming cooperation has long been carried out by the community. Mertelu is a cooperation in the field of agriculture in which one party acts as a land manager and the other party acts as a land owner. This cooperation occurs because one party has the power to manage the land but does not own the land, while the land owner owns the land but does not have the power to manage the land. The focus of the research in this undergraduate thesis is how is the implementation and how is the review of Islamic law regarding the implementation of the Mertelu agricultural cooperation contract which was carried out in the Balir II Block, Mekarjaya Village, Gantar District, Indramayu Regency?. This undergraduate thesis used a qualitative research method with a field research approach. There were two sources of data in this study, namely primary data sources resulting from interviews with farmers and residents who have carried out this collaboration or who know exactly about this collaboration Meanwhile, secondary data sources in this undergraduate thesis came from documents, books, notes, and etc. Data analysis was carried out using a qualitative approach. Based on the results of the study, it was concluded that the practice of Mertelu cooperation in the agricultural sector carried out by the Balir II Block community, Mekarjaya Village, Gantar District, Indramayu Regency was not in accordance with the provisions of Islamic law. This is due to the absence of one fundamental requirement in Islam, namely the recording of all non-cash activities.
PRAKTIK GADAI SAWAH DITINJAU DARI HUKUM ISLAM: Studi Kasus di Blok Balir II, Desa Mekarjaya, Kecamatan Gantar Kabupaten Indramayu Abdul Hakim; Irvan Iswandi
Jurnal Penelitian Multidisiplin Ilmu Vol 1 No 3 (2022): Oktober 2022
Publisher : Melati Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59004/metta.v1i3.211

Abstract

Penelitian ini membahas bagaimana Praktik Gadai Sawah Ditinjau dari Hukum Islam Studi Kasus Blok Balir II, Desa Mekarjaya, Kecamatan Gantar, Kabupaten Indramayu. Praktik gadai sawah sudah lama dilakukan oleh masyarakat Blok Balir II, Adapun praktek gadai yang terdapat di Blok Balir II, Desa Mekarjaya, Kecamatan Gantar, Kabupaten Indramayu adalah dengan datangnya seorang petani atau orang yang memiliki lahan atau sawah yang membutuhkan pinjaman uang, kepada orang lain yang memiliki harta atau uang yang berkecukupan. Kemudian keduanya membuat perjanjian gadai secara lisan dan tulisan yang disertai materai. Isi perjanjian tersebut memuat kesepakatan bahwa pengembalian hutangnya ditentukan selama 3 tahun. Tetapi selama pemilik lahan sawah itu belum mampu melunasi utangnya maka lahan sawah tersebut tetap dimanfaatkan oleh si pemberi utang tanpa membagi hasil panen yang diperolehnya. Dengan adanya skripsi ini bertujuan untuk mendeskripsikan dan menjelaskan tinjauan hukum Islam tantang gadai sawah yang terjadi di Blok Balir II, Desa Mekarjaya, Kecamatan Gantar, Kabupaten Indramayu. Untuk mendapatkan data yang valid penyusunan penelitian ini menggunakan beberapa metode pengumpulan data yaitu wawancara dan dokumentasi. Sumber data dalam penelitian ini ada dua yaitu sumber data primer hasil dari wawancara dengan para petani dan warga yang menjadi penggadai dan penerima gadai sedangkan sumber data sekunder berupa dokumen-dokumen, buku-buku, dan catatan dan sebagainya. penganalisaan data dengan menggunakan pendekatan Kualitatif. Berdasarkan hasil penelitian, diperoleh kesimpulan bahwa dalam praktik gadai sawah yang dilakukan masyarakat Blok Balir II, Desa Mekarjaya, Kecamatan Gantar, Kabupaten Indramayu. Pelaksanaan Praktik sawah dilihat dari akadnya sudah sah karena sudah terpenuhi dan sesuai dengan ketentuan Islam, sedangkan mengenai pemanfaatan gadai secara penuh oleh murtahin baik secara hukum Islam dan hukum. Adat istiadat tidak sah karena adanya unsur eksploitasi dari pihak-pihak yang berkuasa serta nilai kemaslahatan dan keadilan tidak di perhatikan.
Co-Authors Abdin Kholid Assabil Sa’ban Abdul Hakim Achmad Fauzih Achmad Rijal Afifah Umudini Afrida Zahira Ahmad Asrof Fitri Ahmad Asrof Fitri Ahmad Maulana Ahmad Sudirman Abbas Aidi Agung Sani Aidi Agung Sani Ainul Haq Aisyah Al Abror Bilqis Aris Purnama Al Kanza, Luthfia Alfi Satria Alfi Satria Ali Aminulloh Ali Aminulloh Amelia Muasyasya Amelia Rohmatunisa, Nur Aminulloh, Ali Amran Al Bantani Azis Anhar Muhamad Soleh Anisa Aksani Anisa Alya Madani Anisa Nur Rahma Ari, Ari Arif Fahrudhin Arifudin, Akmal Asroni Aulia Aulia, Rizka Syahrani Azmi Faizah Nahri Azzahra Auliadin Budiyanto, Didik Buwono Cameila Alya Yahya Cameila Alya Yahya Cholisa Fitri Dadan Mardani Damayanti, Yeni Rosa Dariyani, Sritin Dede Indra Setiabudi Dede Indra Setiabudi Dede Indra Setiabudi Dewi Utami Dewi Utami Dzulfa Fahira Maulida Elvira Jahrotul Aina Eri Herdiansyah Faiha Nur Baiti Falah, Rizal Al Fanirin, Moch. Hasyim Fara Dhiyah Hasni Fara Dhiyah Hasni Fatihani, Nur Fauzan, Habibullah Nur Fikriyatul Fizamani Fitriyah Firdaus, A'la Firdaus, Ridwan Fitri Robbany Fitriani, Robiatul Ghina Aribah, Amara Hafizhah, Indah Halimatu Sadiah Hana Fauziah Balqis Hana Melinda Hasanah, Rafikah Hendi Suardana Hendy Widiyanto Henri Peranginangin Heru Birowo Hidayah Apriani Humaeroh, Iis Ida Purwani Iis Susiawati Ika Nur Solikah Ilma Nasiroh Imam Prawoto Iman Supriatna Insan Al Awal Iping Supriana Suwardi Irma Rachmayani Ismi Hayatunnisa Jidan Ahmad Pratama Jidan Ahmad Pratama Kartini Kartini Khasanah, Nur Laila Khoirun Kiswanto Kuswono Lukman Abdul Aziz Lutfia Rosidah Luthfi Al Aqidatu Khoirun Madaniah, Zahra Madaniyyah, Kholishotul Maharani, Silvia Maman Mar'atus Soliha Mar’atus Soleha Mas’ud Arifin Mas’ud Arifin, Moh. Moch. Hasyim Fanirin Moch. Irfan Malindo Moch. Irfan Malindo Moch. Syafii Mochammad Imron Awalludin Moh Hasan Amrulloh Moh. Mas` ud Arifin Moh. Mas’ud Arifin Moh. Mas’ud Arifin Muhammad Ammar Nurkholifadin Muhammad Aswin Muhammad N. Abdurrazaq Muhammad N. Abdurrazaq Muhammad Nurkholis Abdurrazaq Muhammad Yusuf Muhammad Yusuf Mujadidah Al-Muwahidah Murnasih, Murnasih Nada Daris Salam Naufal Hilal Rofi Nisa Jamilah, Shofi Nissa Nurhadidah Faried Nissa Nurhadidah Faried Nur Fadhilah Nur Istiqomah, Laili Nur Laila Khoirun Khasanah Nur Ulfa Maulidevi Nurul Fauziah Nurul Jihad Nurul Karimah, Muthia Oktavia Nur Istiqomah Prawoto, Imam Puji Rasmuri Purnama, Al Abror Bilqis Aris Putri Sholehah, Rizki Rabbani Nabilah Al-Qudsi Ragil Sapto Aji Nugroho Rahmi Aisyah Rajiman, Arman Ratih Soko Aji Jagat Rifai, Abdul Rachmat Rijal Sasmita Riris Mahirotun Nisa Rizal Mashudan Sabilillah Rizal Maulana Rizal Maulana, Rizal Rizqi Arifan Zulianto Ros Malasari Rose Dina Fitriyah Rudi Saefudin, Akhmad Saiful Kamal Salamah, Huri Salsabila Urfa Samsul Bahri Satria , Alfi Satria, Alfi Seirawan, Wisang Afi Setyo Waluyo Sholehah, Amaliatun Showatul Dini Siti Rohmah SOBIRIN Sodikin Sofie Baetillah Sidkiyah Sudirman Tebba Sulistyani, Anjar Sungeb Supar, Supar Supriyati, Wiwin Suwanta Syaeful Anwar Syalwa Syalsabiluna Syatir Maufur Tahira, Jihan Topik Topik Tugimin Urfa, Salsabila Usmaniah, Nur Verdianto, Verry Via Regita Wahid Nur Salim Wahyu Setyo Wahyudin Wahyudin Wardoyo Wardoyo Yahya A Ashiri Yunus Yunus Yunus Yunus Zahira Fitriana Zahra Putri Alhaqni Zahrotul Nadhifah, Dita