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All Journal Banco: Jurnal Manajemen dan Perbankan Syariah Falah: Jurnal Hukum Ekonomi Syariah
Damirah
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ANALISIS FATWA DSN-MUI NOMOR: 4/DSN-MUI/IV/2000 TENTANG AKAD MURABAHAH DALAM PENERAPAN HAK MILIK Andi Asruni; Zainal Said; Damirah
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 4 No 1 (2022): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v4i1.2651

Abstract

Bank Muamalat KCP Parepare is one of the Islamic banks whose operational activities implement a murabahah financing system. Regarding murabahah itself, it is clearly regulated in the DSN MUI fatwa No: 04/DSN-MUI/2000, concerning murabahah which states that "banks buy goods needed by customers on behalf of the bank itself and this purchase must be legal and free from usury". Meanwhile, in practice, the bank as the seller gives freedom to the customer to find the desired goods or vehicle for himself. This research is a field research using a qualitative approach. Data collection techniques used are observation, interviews, and documentation. The data analysis techniques used are data reduction, data presentation, and drawing conclusions. The results of this study note that the application of property rights in the murabahah contract at Bank Muamalat KCP Parepare where the murabahah object legally belongs to the muamalat bank then a murabahah contract is held with the customer. So that there is a transfer of ownership of the murabahah object that previously belonged to the bank and then became the property of the customer. This is of course in accordance with the fatwa No.04/DSN-MUI/IV/2000 concerning murabahah. The application of ownership rights at Bank Muamalat KCP Parepare can be said to be Al-Milk at-tam (perfect ownership) because after the implementation of the contract and signing of the contract, the murabahah financing object has become the legal property of the customer, meaning there is a transfer of ownership so that all rights and uses related to the object of the contract is fully the power of the customer.
Menjaga Integritas Bisnis di Era E-Commerce; Peran Etika Malaqbiq dan Nilai Syariah bagi Pelaku UMKM Afdal; Islamul Haq; Damirah; Syahriah Semaun; Andi Bahri
Falah: Jurnal Hukum Ekonomi Syariah Vol. 10 No. 1 (2026): Falah: Jurnal Hukum Ekonomi Syariah
Publisher : LPPM Institut Al-Ma'arif Way Kanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55510/fjhes.v10i1.886

Abstract

Percepatan transformasi digital telah merekonstruksi lanskap bisnis global, mendorong jutaan Usaha Mikro, Kecil, dan Menengah (UMKM) bermigrasi ke ekosistem e-commerce. Namun, pergeseran pola interaksi dari tatap muka menjadi virtual antarmuka memicu patologi etis yang serius, di mana anonimitas menumbuhkan fenomena moral disengagement (pelepasan tanggung jawab moral) seperti manipulasi informasi, perang harga eksploitatif, dan pengabaian layanan. Penelitian kualitatif berbasis kepustakaan ini bertujuan menganalisis transformasi interaksi ekonomi tersebut serta merumuskan resolusi etis melalui integrasi nilai ekonomi Syariah dan kearifan lokal suku Mandar, yakni etika Malaqbiq. Hasil analisis menunjukkan bahwa dimensi Malaqbiq—yakni Kedzo (perilaku empatik), Pau (tutur kata bermartabat), dan Jama-yamang (etos kerja berlandaskan amanah)—mampu mengoperasionalkan aksioma tauhid, keadilan, kehendak bebas, tanggung jawab, dan kebenaran ke dalam laku keseharian pebisnis. Kesimpulannya, sinergi antara identitas kultural dan teologis ini menawarkan kerangka moral alternatif yang komprehensif. Pendekatan ini tidak hanya menekan tendensi manipulatif pada ruang e-commerce yang serba nirwajah, tetapi juga membangun resiliensi UMKM melalui penciptaan kepercayaan digital yang autentik, akuntabel, dan berkelanjutan di tengah turbulensi era disrupsi.
Co-Authors Afdal Andi Asruni Andi Bahri Islamul Haq Syahriah Semaun Zainal Said