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Rusdi Sulaiman
Fakultas Syariah IAIN Pontianak
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BUNGA PINJAMAN BAITUL TAMWIL MUHAMMADIYAH RASAU JAYA PERSPEKTIF FATWA MAJELIS TARJIH MUHAMMADIYAH TENTANG BUNGA KOPERASI Satyananda Wicaksana; Rusdi Sulaiman; Nur Hakimah
Al-Aqad Vol. 5 No. 1 (2025): Al Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

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Abstract

This research aims to find out how loan interest is implemented at Baitul Tamwil Muhammadiyah Rasau Jaya and to find out clearly whether the implementation of loan interest at Baitul Tamwil Muhammadiyah Rasau Jaya can be adjusted to the fatwa of the Muhammadiyah Tarjih Council regarding cooperative interest. Researchers use normative and empirical research types. Normative research functions to explore the fatwa of the Muhammadiyah Tarjih assembly regarding cooperative interest, while empirical research is to examine whether the implementation of loan interest at Baitul Tamwil Muhammadiyah Rasau Jaya can be adjusted to the fatwa of the Muhammadiyah Tarjih regarding cooperative interest. The data used in this research is primary data obtained from interviews with the management and customers of Baitul Tamwil Muhammadiyah Rasau Jaya and secondary data obtained from library sources such as books and journals. In this study, documentation, interviews, and observation were the methods used to collect data. Meanwhile, the researcher's data analysis techniques involved data reduction, data presentation, and conclusions. Then the validity of the data is tested through triangulation of technique, source, and time. The research results show that: 1) Baitul Tamwil Muhammadiyah Rasau Jaya applies loan interest. The interest (additional fees) will be returned to Baitul Tamwil members in the form of a loan. This is done based on the principle of ta'awun; 2) Based on its articles of association, Baitul Tamwil Muhammadiyah Rasau Jaya is declared a sharia savings and loan cooperative, thus it can be adjusted to the fatwa of the Muhammadiyah Tarjih Council regarding cooperatives.
ANALISIS PELAKSANAAN AKAD PADA PT. ASURANSI JIWA SYARIAH AL-AMIN CABANG PONTIANAK MENURUT FATWA-FATWA DSN-MUI TENTANG ASURANSI SYARIAH Safira Kaddihan; Rusdi Sulaiman; Moch. Riza Fahmi
Al-Aqad Vol. 4 No. 2 (2024): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v4i2.3143

Abstract

The purpose of this research is to find out the implementation of the Sharia insurance contract of PT Sharia Life Insurance Al-Amin Pontianak Branch and explain the implementation of the Fatwa-Fatwa of the National Sharia Council of the Indonesian Ulema Council on Sharia Insurance in the Implementation of the Agreement at PT Sharia Life Insurance Al-Amin Pontianak Branch. This research uses qualitative research methods with descriptive normative legal research. Primary data sources and secondary data. Data collection techniques using observation, interviews and documentation. Data validity was checked using triangulation of sources and techniques. The findings of this research include: 1). The implementation of the contract at PT Asuransi Jiwa Syariah Al-Amin Pontianak Branch uses a hybrid contract (multi-contract), namely a tijarah contract and a tabarru' contract. The tijarah contract is in the form of a wakalah bil ujrah contract with a profit-sharing system and a tabarru' contract in the form of grants and qardh. 2). In general, the implementation of the contracts carried out at PT. Al-Amin Syariah Life Insurance, Pontianak branch, namely the wakalah bil ujrah, tabarru' and qardh contracts are in accordance with the fatwas of the National Sharia Council of the Indonesian Ulema Council concerning Agreements in Sharia Insurance.
PENGELOLAAN PANTAI SAMUDERA INDAH MENURUT FATWA DEWAN SYARIAH NASIONAL-MAJELIS ULAMA TENTANG PEDOMAN PENYELENGGARAAN PARIWISATA BERDASARKAN PRINSIP SYARIAH Slamet Riyadi; Rusdi Sulaiman; Ari Widiyawati
Al-Aqad Vol. 4 No. 2 (2024): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v4i2.3308

Abstract

This research aims to find out the management at Samudera Indah Beach and study it based on the Fatwa of the National Sharia Council-Majelis Ulama Indonesia No. 108/DSN-MUI/X/2016 concerning Guidelines for Tourism Operations Based on Sharia Principles. Based on the results of observations and interviews, researchers found that: 1) The form of management at Samudera Indah Beach has facilities provided by the manager such as gazebo facilities, halls, parking lots, prayer rooms, lodging/villas, places to relax on the coast, camping sites, public toilets, bathrooms, rinse rooms, canteens, landfills, directions, and lakes for children. For security management, the manager has conducted socialization related to security for visitors, provided parking attendants to guard visitors' vehicles, provided supervisors on the shoreline, loudspeakers to provide appeals when the weather is bad, and a return post for goods if they find items that do not belong to them. 2) The management of Samudera Indah Beach according to the Fatwa of the National Sharia Council-Majelis Ulama Indonesia No. 108/DSN-MUI/X/2016 concerning Guidelines for the Implementation of Tourism Based on Sharia Principles shows the existence of relevant norms and irrelevant norms and norms that have not been fulfilled at Samuderea Indah Beach, Bengkayang Regency. The transaction or contract is in accordance with the provisions of the ijarah contract in the MUI Fatwa.
BISNIS DROPSHIPPING KOSMETIKA PADA SHOPEE MENURUT FATWA DEWAN SYARIAH NASIONAL MAJELIS ULAMA INDONESIA NO: 145/DSN-MUI/XII/2021 TENTANG DROPSHIP BERDASARKAN PRINSIP SYARIAH Qurrotul Uyun; Rusdi Sulaiman; Anggita Anggriana
Al-Aqad Vol. 4 No. 2 (2024): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v4i2.3421

Abstract

This study aims to determine the mechanism of dropshipping cosmetics business in shopee according to the Fatwa of the National Sharia Council of the Indonesian Ulema Council No. 145/DSN-MUI/XII/2021 concerning Dropshipping Based on Sharia Principles: 145/DSN-MUI/XII/2021 concerning Dropship Based on Sharia Principles. This research uses qualitative methods with empirical normative research. Data sources were obtained from the results of drop shipper interviews on the shoppe application. While secondary data is obtained through primary legal material, namely the Fatwa of the National Sharia Council of the Indonesian Ulema Council No. 145/DSN-MUI/XII/2021 on Dropship Based on Sharia Principles: 145/DSN-MUI/XII/2021 concerning Dropship Based on Sharia Principles and other materials such as books, journals, laws, and articles related to the research. Data collection techniques through observation, interviews, and documentation. The results showed 1). In starting a dropshipping business on the Shopee application, the first step that must be taken by a Shopee drop shipper is to create a Shopee account and store account and find the right cosmetics supplier. When there is an order from the buyer, the drop shipper orders it to the supplier, using the buyer's address as the shipping destination and activating the send feature as a drop shipper. Sales funds will be received by the supplier and dropshipper when the buyer or dropshipper clicks the order is complete or the warranty period in the shopee application has expired. Buyers can also return goods or funds for certain reasons before the warranty period ends. 2). The dropshipping mechanism in the shopee application is in accordance with the Fatwa of the National Sharia Council of the Indonesian Ulema Council No. 145/DSN-MUI/XII: 145/DSN-MUI/XII/2021 Regarding Dropship Based on Sharia Principles.
Covid-19 Sebagai Alasan Force Majeure Atas Pembatalan Keberangkatan Umrah Di PT. Tazakka Elhaq Ditinjau Dari Kompilasi Hukum Ekonomi Syariah Muhammad Reza Nawawi; Rusdi Sulaiman; Anggita Anggriana
Al-Aqad Vol. 5 No. 1 (2025): Al Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

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Abstract

This study aims to analyze whether the Covid-19 pandemic can be considered a force majeure under the Compilation of Sharia Economic Law (KHES) and how PT. Tazakka Elhaq responded to the cancellation of umrah departures due to the pandemic. Using a normative-empirical legal approach, the research collected primary and secondary data through interviews and documentation, analyzing the data qualitatively. The findings indicate that Covid-19 fulfills the criteria of a force majeure event as stipulated in Article 41 of KHES and can be classified as a relative force majeure, since, although umrah travel was technically still possible, the associated risks and potential losses were excessively high and beyond reasonable limits. In accordance with the Minister of Religious Affairs Regulation (KMA) No. 719 of 2020, PT. Tazakka Elhaq adopted a policy of assuming responsibility in three forms: material (refunding costs to pilgrims who canceled), moral (maintaining trust through transparent communication and service), and legal (negotiating rescheduling of departure dates for pilgrims who chose to postpone rather than cancel).
Co-Authors Abu Bakar Anggita Anggriana Ari Widiyawati Ema Bela Ergian Ramadhan Fahrezi Fitri Yessy Lestari Moch. Riza Fahmi Moh. Fadhil Muhammad Reza Nawawi Nur Hakimah Nur Rahmiani Qiara Idmi Azity Qurrotul Uyun Rasiam Rasiam Sadulloh Muzammil Safira Kaddihan Satyananda Wicaksana Slamet Riyadi Sofia Fadhlia Delanti Sopian Lubis Syarif Hidayatullah Tanti Paramita Umi Hani