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Implementasi Akad Pembiayaan Qard dan Wakalah bil Ujrah pada Platform Fintech Lending Syariah ditinjau Berdasarkan Peraturan Otoritas Jasa Keuangan (OJK) dan Fatwa DSN-MUI Sri Maulida; Ahmadi Hasan; Masyitah Umar
Al-Tijary AL-TIJARY VOL. 5, NO. 2, JUNI 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (480.563 KB) | DOI: 10.21093/at.v5i2.2303

Abstract

The purpose of this research is to analyze the implementation of Qard and Wakalah bil Ujrah financing contract for Sharia Lending Platform reviewed based on regulation of Otoritas Jasa Keuangan (OJK) and Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). The method of approach used in this research is a method of empirical approach that is legal research on the enforcement or implementation of normative provisions in action at any particular legal event occurring in the community. The results showed that the information system with Sharia invoice financing used by sharia Investree Platform is according to review based on regulation of OJK No. 77/POJK.01/2016 in chapter IV of article 19 of the financing agreement on lending services based on information technology with Lenders. Secondly, the implementation of Akad Al qordh used by Sharia Investree Platform has been reviewed according to the Fatwa DSN MUI No. 19/DSN-MUI/IV/2001 on Al-Qardh. Thirdly, the implementation of Akad Wakalah bil Ujrah used by Sharia Investree Platform has been reviewed according to Fatwa DSN-MUI No. 113/DSN-MUI/IX/2017 on Akad Wakalah Bi Al-Ujrah which is devoted to the Fatwa DSN-MUI No. 67/DSN-MUI/III/2008 on Islamic debt factoring. Fourth, the classification of QARDH and Wakalah bil Ujrah that used by the sharia Investree Platform is using a factoring financing model reviewed by the Fatwa DSN-MUI No. 117/DSN-MUI/II/2018 on information technology-based financing services based on Islamic principles.
ZAQAH PROFESSION, OIL PALM PLANTS, AND COAL Sri Maulida
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 1 No 2 (2019): Sharia Economic: January, 2019
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v1i2.195

Abstract

In the Qur’an the word ‘zakat’ is repeatedly mentioned, and it is always followed by the word ‘sholat’. It shows that Muslims have obligations not only limited to sholat, but also to zakat. There are many debates about zakat fitrah and zakat mal relating to legal matters and number of zakah. There are also many differences of opinion regarding to zakat profession, oil palm plants, and coal, so that the research needs to be conducted on this topic. It is interesting to be discussed because of the huge potential of oil palm plants and coal in South Kalimantan. In this research, the methods which are used are descriptive, comparative, deductive, and inductive. Based on the discussion in this article, it can be concluded that zakat profession is spesific characteristic of the verse purpose “....the good things which you have earned...” (Al-Baqarah: 267) and “Take alms of their wealth....” (AtTaubah: 103). Moreover, there is also the verse of Al-Baqarah: 267 “...and from that which We have produced for you from the earth....” This verse has spesific purpose from general purpose which is related to zakat of oil palm plants and coal.