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All Journal Jurnal Ilmiah Ekonomi Islam AL-ARBAH: Journal of Islamic Finance and Banking Jurnal Riset Ekonomi Syariah Bandung Conference Series : Sharia Economic Law Jurnal Riset Perbankan Syariah Jurnal Manajemen dan Bisnis (Performa)
Zia Firdaus Nuzula
Prodi Hukum Ekonomi Syariah, Fakultas Syariah, Universitas Islam Bandung, Indonesia.
Religion Economics, Econometrics & Finance Education Social Sciences

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Analisis Fikih Muamalah terhadap Praktik Pulang Sambung pada Penyelenggaraan Pesta Pernikahan di Desa Jomin Barat Mahdiya Hasti Humayya; N Eva Fauziah; Zia Firdaus Nuzula
Bandung Conference Series: Sharia Economic Law 247-256
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v5i2.19962

Abstract

Abstract. Pulang sambung is a local tradition in West Jomin Village which is implemented in the form of providing assistance such as staples, including rice and meat, during wedding celebrations. Even though it is done voluntarily, the community has an expectation that the assistance will be returned in the same way when they themselves organize the celebration. This study aims to evaluate the suitability of the practice with the principles of fiqh muamalah, through an approach to the concept of grant, the rules of al-ādah muhakkamah, and the elements of gharar. This study uses a qualitative descriptive method with data collection techniques in the form of interviews and documentation. The results of the study show that the practice of returning home can be categorized as a tsawab grant, which is a gift that implies the expectation of return but is not legally binding. This practice is considered valid in Islamic law as long as it does not cause harm and remains in harmony with applicable social norms. The existence of an element of uncertainty in reply is considered reasonable within the framework of the tabarru' contract. Therefore, as long as its implementation does not contradict sharia values and provides social benefits, then this practice can be justified based on the rules of al-ādah muhakkamah. Abstrak. Pulang sambung merupakan sebuah tradisi lokal di Desa Jomin Barat yang diimplementasikan dalam bentuk pemberian bantuan seperti bahan pokok, antara lain beras dan daging, saat perayaan pernikahan. Meski dilakukan secara sukarela, masyarakat memiliki ekspektasi bahwa bantuan tersebut akan dibalas dengan cara yang sama ketika mereka sendiri menyelenggarakan hajatan. Penelitian ini bertujuan untuk mengevaluasi kesesuaian praktik tersebut dengan prinsip-prinsip fikih muamalah, melalui pendekatan terhadap konsep hibah, kaidah al-ādah muhakkamah, dan unsur gharar. Penelitian ini menggunakan metode deskriptif kualitatif dengan teknik pengumpulan data berupa wawancara dan dokumentasi. Hasil kajian menunjukkan bahwa praktik pulang sambung dapat dikategorikan sebagai hibah tsawab, yakni pemberian yang menyiratkan adanya harapan balasan namun tidak bersifat mengikat secara hukum. Praktik ini dianggap sah dalam hukum Islam selama tidak menimbulkan kerugian dan tetap selaras dengan norma sosial yang berlaku. Adanya unsur ketidakpastian dalam balasan dianggap wajar dalam kerangka akad tabarru’. Oleh sebab itu, selama pelaksanaannya tidak bertentangan dengan nilai-nilai syariah dan memberikan maslahat sosial, maka praktik ini bisa dibenarkan berdasarkan kaidah al-ādah muhakkamah.
Analisis Akad Mudharabah terhadap Implementasi Kerja Sama Bisnis Kafe Lalana Space Cikoneng Kabupaten Bandung Fakhar Muhammad Fauzan; Zaini Abdul Malik; Zia Firdaus Nuzula
Bandung Conference Series: Sharia Economic Law 281-288
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v5i2.20198

Abstract

Abstract. This research is titled “Analysis of the Mudharabah Contract in the Implementation of Business Cooperation at Kafe Lalana Space Cikoneng, Bandung Regency.” The study examines a partnership between a capital owner and a manager resembling a mudharabah contract. The objective is to describe the cooperation practice and analyze its compliance with fiqh muamalah principles. The findings indicate alignment in terms of parties involved, capital, business clarity, and profit-sharing. However, discrepancies exist, such as the absence of a written contract and unclear additional capital in the form of assets. Based on fiqh muamalah, the cooperation does not fully meet the valid conditions of a mudharabah contract and is thus deemed invalid. Administrative improvements and clear contract formulation are recommended to align the practice with sharia principles.of Kafe Lalana Space Cikoneng, Bandung Regency.” The study examines a partnership between a capital owner and a manager resembling a mudharabah contract. The objective is to describe the cooperation practice and analyze its compliance with fiqh muamalah principles. The findings indicate alignment in terms of parties involved, capital, business clarity, and profit-sharing. However, discrepancies exist, such as the absence of a written contract and unclear additional capital in the form of assets. Based on fiqh muamalah, the cooperation does not fully meet the valid conditions of a mudharabah contract and is thus deemed invalid. Administrative improvements and clear contract formulation are recommended to align the practice with sharia principles. Abstrak. Penelitian ini berjudul “Analisis Akad Mudharabah terhadap Implementasi Kerja Sama Bisnis Kafe Lalana Space Cikoneng, Kabupaten Bandung.” Penelitian ini mengkaji kemitraan antara pemilik modal dan pengelola yang menyerupai akad mudharabah. Tujuan dari penelitian ini adalah untuk menggambarkan praktik kerja sama yang terjadi serta menganalisis kesesuaiannya dengan prinsip-prinsip fikih muamalah. Temuan penelitian menunjukkan adanya kesesuaian dalam hal pihak-pihak yang terlibat, modal, kejelasan usaha, dan sistem bagi hasil. Namun, terdapat beberapa ketidaksesuaian, seperti tidak adanya akad tertulis serta tambahan modal berupa aset yang tidak dijelaskan secara jelas sejak awal. Berdasarkan fikih muamalah, kerja sama ini belum sepenuhnya memenuhi syarat sah akad mudharabah dan oleh karena itu dianggap batal. Diperlukan perbaikan administratif dan perumusan akad yang jelas agar praktik kerja sama ini sesuai dengan prinsip syariah.
Tinjauan Akad Qardh terhadap Praktik Pinjam Meminjam Bapak Johan dengan Ibu Angel di Kelurahan Ciateul, Kecamatan Regol, Kota Bandung Syahla Alfiyah; Zaini Abdul Malik; Zia Firdaus Nuzula
Bandung Conference Series: Sharia Economic Law 317-324
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v5i2.20385

Abstract

Abstract. The practice of borrowing and lending is a socio-economic activity that is very common in people's lives. In Islam, this practice is known as the qardh contract, which is giving loans without any reward or benefit, solely as a form of help. However, in reality, there are not a few lending practices that are carried out in accordance with sharia principles, such as the absence of a written contract, the unclear repayment period, or even an additional reward agreement that falls under the category of usury. This study aims to analyze the practice of borrowing and borrowing between Mr. Johan and Mrs. Angel that occurred in Ciateul Village, Regol District, Bandung City, from the perspective of Islamic law. The research method used is a qualitative method with a field study approach. Data was obtained through interviews with the parties involved, as well as sources of fiqh experts, then analyzed using Islamic legal theories, especially muamalah fiqh. The results of the study show that the practice of borrowing and borrowing does not meet the principles of justice and clarity set by Islamic law, and there is an element of riba in the form of additional distribution of house sales proceeds. Therefore, this practice cannot be justified by sharia, and there is a need for muamalah legal education to the public to avoid practices that are contrary to Islamic teachings. Abstrak. Praktik pinjam meminjam merupakan kegiatan sosial ekonomi yang sangat lumrah terjadi dalam kehidupan masyarakat. Dalam Islam, praktik ini dikenal dengan akad qardh, yaitu memberikan pinjaman tanpa imbalan atau keuntungan, semata-mata sebagai bentuk tolong menolong. Namun, pada kenyataannya, tidak sedikit praktik pinjam meminjam yang dilakukan secara tidak sesuai dengan prinsip syariah, seperti tidak adanya akad tertulis, tidak jelasnya jangka waktu pengembalian, atau bahkan terdapat kesepakatan imbalan tambahan yang termasuk kategori riba. Penelitian ini bertujuan untuk menganalisis praktik pinjam meminjam antara Bapak Johan dengan Ibu Angel yang terjadi di Kelurahan Ciateul, Kecamatan Regol, Kota Bandung, dalam perspektif hukum Islam. Metode penelitian yang digunakan adalah metode kualitatif dengan pendekatan studi lapangan. Data diperoleh melalui wawancara dengan pihak yang terlibat, serta narasumber ahli fiqih, kemudian dianalisis menggunakan teori-teori hukum Islam, khususnya fiqih muamalah. Hasil penelitian menunjukkan bahwa praktik pinjam meminjam tersebut tidak memenuhi prinsip keadilan dan kejelasan yang ditetapkan oleh hukum Islam, serta terdapat unsur riba dalam bentuk tambahan pembagian hasil penjualan rumah. Oleh karena itu, praktik ini tidak dapat dibenarkan secara syariah, dan perlu adanya edukasi hukum muamalah kepada masyarakat agar terhindar dari praktik yang bertentangan dengan ajaran Islam.
Analisis Fatwa DSN MUI No: 75/DSN MUI/VII/2009 terhadap Multilevel Marketing (MLM) Suplemen Kesehatan Tianshi Nur Athiyah Rizqi; Panji Adam Agus Putra; Zia Firdaus Nuzula
Bandung Conference Series: Sharia Economic Law 469-476
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v5i2.21562

Abstract

Abstract. This research aims to analyze the Multilevel Marketing (MLM) system of Tiens health supplement products from a sharia perspective, specifically referring to the DSN-MUI Fatwa No. 75/DSN-MUI/VII/2009 on Sharia-Compliant Direct Selling (PLBS). The study focuses on the mechanisms of product sales, member recruitment, and the distribution of bonuses and commissions within the Tiens network. A normative juridical approach was used, supported by empirical data obtained through direct observation and interviews with active distributors and official stockists in Bandung. The findings indicate that Tiens operates through direct selling methods, both online and offline, requiring registration, and product purchases for membership. Bonuses and commissions are granted based on actual sales performance and team development, rather than merely recruiting new members. The products sold are certified halal and licensed by the national food and drug agency (BPOM). Based on the analysis of fatwa requirements, the Tiens system aligns with sharia principles, as it does not involve elements of uncertainty (gharar), interest (riba), gambling (maysir), or money game practices. The study concludes that Tiens MLM practices, as observed in the field, are acceptable under Islamic law and national regulations, provided the focus remains on real product sales and the system upholds fairness and transparency. Abstrak. Penelitian ini bertujuan untuk menganalisis sistem Multilevel Marketing (MLM) pada penjualan suplemen kesehatan Tiens dari perspektif syariah, khususnya berdasarkan Fatwa DSN-MUI No. 75/DSN-MUI/VII/2009 tentang Penjualan Langsung Berjenjang Syariah (PLBS). Permasalahan yang dikaji meliputi mekanisme penjualan, sistem perekrutan anggota, serta skema bonus dan komisi yang diterapkan dalam jaringan Tiens. Penelitian ini menggunakan pendekatan yuridis normatif dengan penguatan data empiris melalui observasi dan wawancara langsung dengan distributor aktif serta pihak stockist resmi di Kota Bandung. Hasil penelitian menunjukkan bahwa sistem pemasaran Tiens dijalankan melalui metode penjualan langsung, baik secara daring maupun luring, dengan kewajiban pembayaran pendaftaran dan pembelian produk sebagai syarat keanggotaan. Bonus dan komisi diberikan berdasarkan hasil penjualan serta pembinaan jaringan, bukan semata-mata dari perekrutan. Produk yang dipasarkan memiliki sertifikasi halal dan izin edar BPOM. Berdasarkan analisis terhadap ketentuan fatwa, sistem Tiens dinilai memenuhi prinsip-prinsip syariah karena tidak mengandung unsur gharar, riba, maysir, maupun praktik money game. Simpulan dari penelitian ini menyatakan bahwa praktik bisnis MLM Tiens, sejauh yang diamati di lapangan, dapat dibenarkan secara syariah dan legal formal selama tetap berfokus pada penjualan produk yang nyata dan menjaga etika keadilan serta transparansi dalam sistem distribusi.
MENUNGGANGI TREN ATAU TERJEBAK MANIPULASI? ANALISIS FIKIH MUAMALAH TERHADAP STRATEGI FOLLOW THE TREND SAHAM SYARIAH Zia Firdaus Nuzula; Abna Haniif Novel
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 5 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i5.20763

Abstract

This study aims to analyze the Islamic law and ethical perspectives of fiqh muamalah on the implementation of the follow-the-trend strategy in sharia stock trading within the secondary market, as well as to formulate the legal parameters of distinction between traders who are victims of market manipulation and those who intentionally exploit the trend. This study employs a qualitative-normative approach using the library research method. Data collection was conducted by reviewing classical fiqh muamalah literature, official fatwas, and related scientific journals, which were then analyzed descriptively and analytically using the framework of Fatwa DSN-MUI No. 80/DSN-MUI/III/2011 and the theory of contract-vitiating elements (mafasiq al-'aqd). The results indicate that the application of the follow-the-trend strategy based on objective technical indicators (such as Moving Average, RSI, MACD, and Support-Resistance) is mechanically permissible (mubah) because it serves as a rational analysis tool (ikhtiar) to mitigate risk and uncertainty (gharar). However, this legal status is conditional and shifts to prohibited when the trend originates from market manipulation (najasy/pump and dump). This study establishes a clear legal distinction: traders who purely rely on objective indicators but get trapped in artificial trends are categorized as deceived victims and are free from sin; conversely, traders who consciously trade "manipulated stocks" for rapid gains are categorized under ta'awun 'ala al-ithm (cooperating in sin) because their actions expand the volume of market manipulation. This study recommends the strict implementation of Sharia parameter boundaries encompassing stock objects, decision bases, mechanisms, and transaction purposes.
Co-Authors Abdurrafi Muhammad Azra Abna Haniif Novel Agung Aji Purnama Ahmad Zaini, Abdul Malik dan Akhmad Yusup Alpiah Trisna Dewi Alpiah Trisna Dewi Anisatul Afidah Annisa Aulya Maksum Anugrah Syabana Putra Arif Rijal Anshori Asep Ramdan Hidayat Daffa Ilfandi Dzakwan Putra Dandy Laksana Utama Deden Gandana Madjakusumah Deliya Fadilatul Ihsani Diana Puji Ambarwati Dwi Puspita Sari Eva Fauziah Eva Fauziah Eva Misbah Bayuni Eva Misfah Bayuni Fahmi Ichsan Firdaus Faisal Zidan Fadlillah Fakhar Muhammad Fauzan Fauziah, N. Eva Fazira Agustina Febriadi, Sandy Rizki Fidela Aziza Epi Gita Sonia Saraswati Saraswati Hanifah Rahmah Hanur Arifin Hery Widijanto Hilda Fauziah Hilman Baihaqqi Ifa Hanifia Senjiati Ikbal Ramadhan Irma Yulita Silviany Iwan Permana Krisna Aditia Putra Mahdiya Hasti Humayya Maman Surahman Mauladi, Mochammad Syukria Mila Agustin Muhamad Ikhsan Gunawan Mubarok Muhamad Iqbal Alhafid Muhammad Rusydi Alghifari Muhammad Yunus N Eva Fauziah Nanik Epriyanti Nendiarti Juniar Nur Athiyah Rizqi Nur Wardatul Laela Afifah Nur Wardatul Laela Afifah Nurul Fida Panji Adam Agus Putra Popon Srisusilawati Putri Azzahra Raissya Salsabilla Febriadhanie Redi Hadiyanto Reynald Hafizd Saddam Fajar Islami Silmi Camelia Ahmad Siska Lis Sulistiani Siti Sakinah Ainurrohimah Sofi Andriani Syahla Alfiyah Udin Saripudin Winda Widya Rahma Zaini Abdul Malik