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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) EKSPANSI Tribakti: jurnal pemikiran keIslaman Amwaluna Jurnal Ekonomi dan Keuangan Syariah Jurnal Maps (Manajemen Perbankan Syariah) Journal of Applied Science, Engineering, Technology, and Education El-kahfi : Journal of Islamic economics International Journal of Educational Review, Law And Social Sciences (IJERLAS) Al-Muamalat : Jurnal Ekonomi Syariah Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan QULUBANA: Jurnal Manajemen Dakwah Indonesian Journal of Economics and Management Jurnal Riset Ekonomi Syariah Journal of Applied Islamic Economics and Finance Bandung Conference Series : Sharia Economic Law Bandung Conference Series : Syariah Banking Jurnal Riset Perbankan Syariah Jurnal Penelitian dan Pengabdian Masyarakat Jurnal Hukum dan Pembangunan Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Tribakti: Jurnal Pemikiran Keislaman
Intan Nurrachmi
Faculty Of Sharia, Universitas Islam Bandung
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Journal : Bandung Conference Series : Sharia Economic Law

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Analisis Fikih Muamalah terhadap Keabsahan Multi Akad dalam Implementasi Produk Gadai Emas Ivana Nurul Zahra; Neneng Nurhasanah; Intan Nurrachmi
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 2 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i2.13689

Abstract

Abstract. Hybrid contract is one of the innovations in the activities of Islamic financial institutions to meet the financial needs of the community. Hybrid contracts are widely applied by Islamic financial institutions to their products, one of the products that uses hybrid contracts is the gold pawn product in which there is a merger of several contracts, namely rahn, ijarah, and qard. In practice, hybrid contract is still a discussion and debate among scholars, there are two different opinions regarding hybrid contract, some scholars argue that hybrid contract is permissible and some other scholars prohibit it with reference to the hadith that prohibits the combination of bai and salaf. This study aims to determine the implementation of hybrid contract in gold pawn products in Islamic financial institutions and analyze it from the fiqh of muamalah. The method used in this study is a qualitative method with a normative juridical approach sourced from primary data from interview results and secondary data from various relevant literature. The results of this study conclude that (1) the implementation of hybrid contract in gold pawn products in Islamic financial institutions - Islamic banking, sharia pawnshops and BMT use the same contract, namely rahn, ijarah and qard. The difference is only in the technicalities such as the amount of costs, term and nominal loan amount. (2) Hybrid contract on gold pawn products in the three financial institutions has been in accordance with muamalah fiqh. Abstrak. Multi akad merupakan salah satu inovasi dalam aktivitas lembaga keuangan syariah untuk memenuhi kebutuhan keuangan masyarakat. Multi akad banyak diterapkan oleh lembaga keuangan syariah pada produk-produknya, salah satu produk yang menggunakan multi akad adalah produk gadai emas yang didalamnya terdapat penggabungan beberapa akad yaitu rahn, ijarah, dan qard. Dalam praktiknya multi akad masih menjadi perbincangan dan perdebatan dikalangan para ulama, terdapat dua pendapat yang berbeda mengenai multi akad, sebagian ulama berpendapat bahwa multi akad hukumnya boleh dan sebagian ulama lain mengharamkannya dengan acuan terhadap hadis yang mengharamkan atas penggabungan bai dan salaf. Penelitian ini bertujuan untuk mengetahui implementasi multi akad pada produk gadai emas dilembaga keuangan syariah dan menganalisisnya dari menurut fikih muamalah. Metode yang digunakan dalam penelitian ini yaitu metode kualitatif dengan pendekatan yuridis normatif yang bersumber dari data primer berasal dari hasil wawancara dan data sekunder berasal dari berbagai literatur yang relevan. Hasil penelitian ini menyimpulkan bahwa (1) implementasi multi akad pada produk gadai emas dilembaga keuangan syariah - perbankan syariah, pegadaian syariah dan BMTmenggunakan akad yang sama yaitu rahn, ijarah dan qard. Perbedaannya terdapat dalam teknis saja seperti jumlah biaya, jangka waktu dan nominal pinjaman. (2) multi akad pada produk gadai emas di tiga lembaga keuangan tersebut telah sesuai dengan fikih muamalah.
Tinjauan Etika Bisnis Islam pada Pembulatan Timbangan Praktik Jasa Laundry Dayklin di Kota Cimahi Muhammad Celvin Julian Soza; Iwan Permana; Intan Nurrachmi
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 2 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i2.14547

Abstract

Abstract. The business world, particularly in the service sector, is growing rapidly, including laundry services, which are widely used by the public. In its operations, laundry businesses often need to measure the weight of dirty clothes for washing, where rounding off the scale becomes an issue affecting business fairness and transparency. In the context of Islam, there is Islamic Business Ethics, which emphasizes honesty, justice, and fairness in business transactions. This research analyzes the practice of rounding off scales at Laundry Dayklin in Cimahi City based on Islamic Business Ethics. The methodology used is a qualitative approach through case studies, allowing for in-depth descriptive analysis and exploration of Islamic business ethics values and principles. Data was collected directly through observations, interviews, and documentation. The research results indicate that the practice of rounding off scales at Laundry Dayklin does not align with Islamic Business Ethics, as it potentially harms consumers by unfairly raising service prices. This practice is considered deceitful and dishonest in Islam. However, if the rounding is communicated to consumers in advance, the principle of رضا (rida) can be achieved, making consumers feel fair and not disturbed by the principle of attawazun (balance). In conclusion, the practice of rounding off scales at Laundry Dayklin does not align with Islamic Business Ethics. It is recommended that Laundry Dayklin management evaluate this practice and implement a more transparent and fair system so that the principles of Islamic Business Ethics can be fully applied. Abstrak. Pertumbuhan dunia usaha, khususnya di sektor jasa, semakin pesat, termasuk jasa laundry yang banyak dimanfaatkan masyarakat. Dalam operasionalnya, usaha laundry sering kali harus mengukur berat pakaian kotor untuk dicuci, di mana pembulatan timbangan menjadi isu yang mempengaruhi keadilan dan transparansi bisnis. Dalam konteks Islam, terdapat Etika Bisnis Islam yang menggarisbawahi kejujuran, keadilan, dan fairness dalam transaksi bisnis. Penelitian ini menganalisis praktik pembulatan timbangan pada Laundry Dayklin di Kota Cimahi dengan acuan Etika Bisnis Islam. Metodologi yang digunakan adalah pendekatan kualitatif melalui studi kasus, memungkinkan analisis deskriptif mendalam dan eksplorasi nilai serta prinsip etika bisnis Islam. Data dikumpulkan secara langsung melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa praktik pembulatan timbangan di Laundry Dayklin tidak sesuai dengan Etika Bisnis Islam, karena berpotensi merugikan konsumen dengan menaikkan harga jasa secara tidak adil. Praktik ini dianggap curang dan tidak jujur dalam Islam. Namun, jika pembulatan diinformasikan kepada konsumen terlebih dahulu, asas رضا (rida) dapat tercapai sehingga konsumen merasa adil dan tidak terganggu dengan prinsip attawazun (keseimbangan). Kesimpulannya, praktik pembulatan timbangan di Laundry Dayklin tidak sejalan dengan Etika Bisnis Islam. Disarankan agar manajemen Laundry Dayklin mengevaluasi praktik ini dan menerapkan sistem yang lebih transparan dan adil agar prinsip Etika Bisnis Islam dapat diterapkan sepenuhnya.
Co-Authors Adam Agus Putra, Panji Agung Laksono Aljiel Sarah Aljiel Sarah Alya Syifa Utami Handriansyah Amalia solihat Amrullah Hayatudin Andri Ibrahim Arafah, Mudrikatul Asep Ramdan Hidayat Aulia Resa, Alif Aunurrofiq, Ikrimah Azri Bhari Azzahra, Fatma Azzahra, Putri Bhari, Azri Darwis Robinson Manalu Davina Jasmine Azzahra Deden Gandana Madjakusumah Elisa Siti Widyastuti Eva Fauziah Eva Misfah Bayuni Fahira Febriana Ayuni Destari Fawzi, Ramdan Fitriyanti, Asti Geugeut Kinasih Wahyuni Ginata Mardiana, Dita Guellica Agnesia Claudia Thanos Hana Khairunnisa Handri, Handri Hasbi Assidiki Mauluddi Hery Widijanto Hoerurohman, Aditya Ibadurrahman, Zayd iil waludi Ivana Nurul Zahra Iwan Permana Jaka Rukmana Kholid Anggara Lasmanah, Lasmanah Lenni Lenni, Lenni Lina Jamilah Maman Surahman Moh. Andri Ibrahim Mohamad Andri Ibrahin Mohamad Dandi Maulana Muhamad Anwar Siddiqi Muhammad Celvin Julian Soza Muhammad Fakhrul Arifin Muhammad Farhan Bagja Naufal Muhammad Hanif MUHAMMAD TAUFIK Najmah Salamah Nandang Ihwanudin Nanik Eprianti Nasawi, Avicenna Mujtahid Nazwa Khoerunisa, Fadila Neneng Nurhasanah Neni Sri Imaniyati Nesya Bilqish Firmansyah Novita Siti Mulyasari NUR EFENDI Nurhaidah, Fitri Nurliawati, Nita Panji Adam Agus Putra Popon Srisusilawati Prinisa Hamdani Putri Diah Ayu Lestari Radia Purbayati Raissya Salsabila Febriandhane Refanisa Zaeni, Mutiara Resya Wahyuni Rizqia Nur Afifah Robbi Rahim Sadam Mochamad Fahrurozi Sari, Ninuk Permata Setiawan Setiawan Silvia Renia Devi Siska Lis Sulistiani Siti Husna Alawiyah Syamsu Rijal Syarief, Mochamad Edman Syintia Ulfa Juliani Taufiqurrachman Tiya Rissa Kamila Toong Hai Sam Trie, Cheira Baby Tubagus Farhan Fauzian Udin Saripudin Usi Sumiati Wahyu Rizki Hadiwijaya Wanda Puspita Sari Yuaniko Paramitra Yudiyanto Tri Kurniawan Yuristama, Agus Prakarsa Zaeni, Mutiara Refanisa