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All Journal IJTIHAD JESI (Jurnal Ekonomi Syariah Indonesia) Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah JES (Jurnal Ekonomi Syariah Journal of Islamic Banking Ecopreneur : Jurnal Ekonomi dan Bisnis Islam

Sa'diah, Zulfatus

Universitas Darussalam Gontor

Author-ID : 5690029

Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

Published : 7 Documents Claim Missing Document

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Articles

Implementation Of Khiyar On Ba'i Salam Transactions In Student Cooperative At Islamic Boarding School Darussalam Gontor For Girl 2 According To Fiqh Muamalah Daud Sukoco; Zulfatus Sa'diah; Aqif Khilmia
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 7 No 1 (2022): Jan-Juni 2022
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v7i1.4039

Abstract Basically, buying and selling transactions in determining the contract, the party who transacts has the right to continue or cancel a contract. A solution in Islam, offering the right of khiyar. The purpose of this study was to determine the implementation of Khiyar in Ba'i Salam transactions at the Student Cooperative Store and to review it from the perspective of muamalah fiqh. The conclusion is that in the practice of ba’I salam carried out by the Gontor Putri 2 student cooperative with distributors, they have implemented khiyar aib, khiyar ru’yah, and khiyar syarat. When viewed from the point of view of fiqh muamalah, the application of khiyar aib is appropriate, because there was a new defect known to the buyer after the contract was made and before the receipt. khiyar aib is still allowed in muamalah fiqh because khiyar aib does not prevent the perfection of the handover of goods. However, the actual khiyar ru’yah, and khiyar syarat in ba'i salam are not necessary, because if the order has the right of the khiyar, then the goods will be borne by the seller, and so on, it is enough just to mention the specifications of the goods for the validity of the salam contract. Keywords: Khiyar, Ba’i Salam

Analisis Penyelesaian Pembiayaan Murabahah Bermasalah Menurut Fatwa DSN MUI No.17/DSN-MUI/IX/2000 dan No. 43/DSN-MUI/VIII/2004 (Studi Kasus di BMT La Tansa Ponorogo) Zulfatus Sa'diah; Annas Syams Rizal Fahmi; Devid Frastiawan Amir Sup
Journal of Islamic Banking Vol 2 No 1 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (268.892 KB)

Non-performing financing, namely high Non-Performing Financing is certainly an important problem for Islamic banking, as well as in the Baitul Mal Wa Tamwil KJKS (Islamic Financial Services Cooperative). From the landing side, until now the only financing product at BMT La Tansa Ponorogo is Murabahah. From the system in murabahah itself, it uses the principle of musawamah. The process of negotiating (bargaining) on goods and prices is carried out between the BMT La Tansa Ponorogo and candidate of financing customers. In its journey, BMT La Tansa experienced a problem, namely the non-performing financing ratio which was still high. The methods used in collecting this data are observation, interviews, and documentation.This research is a field research which then analyzed using the DSN-MUI fatwa. The results obtained, that in the settlement of problematic murabahah financing, BMT La Tansa Ponorogo has several stages. Provide warning letters (SP) up to 3 times, confiscation of collateral, rescheduling. Where used in this sanction is mandatory infaq, which is the mandatory infaq amount of Rp. 1,000, - per day (during the late period) and it is already there and written at the beginning of the contract (agreement). While, in terms of ta'wid, BMT La Tansa does not apply ta'wid on non-performing financing made by customers. However, if it is at the final stage that you cannot fulfill the installment obligation, then the purchased item (collateral) is sold to cover the customer's shortage of installments.

Analysis of Religiosity and Halal Labels Towards Purchasing Decision on Cosmetic Products (Study on Regular Female Student of The University of Darussalam Gontor) Zulfatus Sa'diah; Milenia Ayu Saraswati; May Shinta Retnowati
JES (Jurnal Ekonomi Syariah) Vol 7, No 2 (2022): September
Publisher : Universitas Islam Lamongan

This research aims at analyzing religiosity and halal labels toward purchasing decision's regular female students of University of Darussalam Gontor on a cosmetic product. The study uses quantitative methods with an explanatory approach. Then data analysis techniques using Structural Equation Modelling (SEM) is Partial Least Squares (PLS) with the help of Smart PLS version 3.2.9. to answer hypotheses. The first stage in the study was testing the validity of each variable question with its reliabilities. The second one verifying the combination between religiosity and halal labels toward purchase decisions on cosmetic products among regular female students of University of Darussalam Gontor. The results showed that halal labels influenced purchasing decisions by 68%, while the remaining 32% were influenced by another exogenous outside of the studied variables. The religiosity partially has a positive but insignificant effect on purchasing decisions. Whereas the halal labels partially have a positive and significant effect on purchasing decisions.

PROFIT SHARING PRACTICE IN MUKHABARAH CONTRACT ACCORDING TO FIQIH MUAMALAH (CASE STUDY IN SENDANG VILLAGE, JAMBON DISTRICT, PONOROGO REGENCY) Zulfatus Sa'diah; Muhamad Syamsul Huda
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 14 No. 1 (2022): Juni
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v14i1.5062

Cooperation with the mukhabarah contract profit sharing system is one of the muamalah activities that often occurs among the Indonesian people, especially in the agricultural sector and it involves two parties, namely the land owner and also the land cultivator. This study aims to determine the practice of agricultural production sharing in mukhabarah contracts and a review of muamalah fiqh on these practices. The results of this study indicate that the contract is carried out verbally with the provision of seeds and all cultivation capital is borne by the land cultivator, while for the distribution of the results it is divided by mertelu or 1/3 between the land owner and the cultivator. If it is reviewed in muamalah fiqh, the practice of the mukhabarah contract is appropriate, However, there is an element that is contrary to the conditions for mukhabarah, namely in the distribution of the harvest the results are not weighed first, only based on the number of sacks, each bag is filled with 3 baskets of harvest, the scales of which are not clear. So that there is an element of gharar and contains an element of injustice that results in disputes between land owners and land cultivators.

Eksistensi Peran dan Fungsi Legal Opinion Dalam Menyelesaikan Masalah Hukum May Shinta Retnowati; Salwa Fuadia; Zulfatus Sa'diah; Muhamamad Irkham Firdaus; Ihsan Hudiana
Ijtihad Vol. 16 No. 1 (2022): Ekonomi dan Hukum Islam
Publisher : Universitas Darussalam Gontor

Legal opinion memiliki peran dalam menyelesaikan kasus atau perbuatan melawan hukum, baik kasus hukum perdata maupun pidana. Masyarakat menggunakan legal opinion sebagai nasihat ketika mengalami suatu permasalahan hukum, yaitu dengan mendatangi penasehat hukum atau pengacara untuk membantunya dalam menyelesaikan permasalahan. Permasalahan yang akan dibahas dalam penelitian ini adalah mengenai eksistensi legal opinion dalam menyelesaikan masalah hukum. Sedangkan metode penelitian yang digunakan penulis adalah metode penelitian kualitatif dengan pendekatan yuridis empiris dengan pendekatan perundang-undangan (statute approach) dan pendekatan konseptual (conceptual approach). Hasil penelitian ini menunjukkan bahwa legal opinion menjadi salah satu alternatif mudah dan murah yang dapat degunakan oleh masyarakat dalam menyelesaikan permasalahan hukm. Legal opinion juga dapat digunakan sebagai dasar dalam menyikapi dan mencari jalan keluar atau pemecah terbaik atas suatu masalah hukum yang sedang dialami. Sedangkan tujuan legal opinion adalah untuk menjabarkan suatu kontekstual hukum baik secara inplisit maupun eksplisit, apabila terjadi berbagai kontradiksi yuridis yang berakibat protes masyarakat terhadap pembelakuan suatu aturan hukum, atau dengan kata lain terdapat penyimpangan norma-norma kultural yang berlaku dalam suatu masyarakat.

Analisis Persepsi Maslahah Dalam Melakukan Pembelian Kompulsif Sa'diah, Zulfatus; Maranti, Safika; Retnowati, May Shinta
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 11, No 2 (2021)
Publisher : Universitas Alma Ata

Abstract This study aims to determine the effect of the perception of maslahah on compulsive buying behavior This research is a quantitative research by integrating the dimensions of maslahah perception into the Theory of Planned Behavior (TPB) model. TPB is an integrated model that consists of four predictors of behavior, namely attitudes, subjective norms, perceived behavioral control (PBC), and intentions to behave. Sampling using Purposive Sampling, that is 200 respondents. To measure the variables using the Continuous rate scale. While the data analysis technique used in this research is path analysis using Smart PLS 2.0 (Partial Least Square) software. The results of the study said that the maslahah perception construct had a significant effect on the attitude construct even though it was weak at 5.5%. Which means there are still about 94.5% of the attitude variables are influenced by other factors. Then the attitude construct has a significant effect on the compulsive buying behavior construct of 47.6%, which means that there are still around 52.4% of the variable Compulsive Buying Behavior which can be explained from other factors. While the construct of subjective norms and behavioral control has no effect on compulsive buying behavior. The reason for the rejection of these two hypotheses is thought to be because Muslim communities who have high subjective norms and behavioral control do not change their behavior in compulsive buying to be higher.Keywords: Maslahah, Compulsive Buying, Theory of Planned Behaviour

Implementasi Praktik Pembiayaan KPR dengan Akad Murobahah dan Musyarakah Mutanaqisah Perspektif Fatwa DSN-MUI Safika Maranti; Zulfatus Sadiah
Ecopreneur : Journal of Sharia Economics Study Program Vol 2 No 1 (2021): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar

The finance of House Ownership Loan (locally abbreviated as KPR or Kredit Pemilikan Rumah) is a finance product in Muamalat Bank of Branch Office Surakarta using a contract of murobahah and musyarakah mutanaqisah. In its implementation, there is a difference in characteristic between two contracts. The contract of murobahah is only designed for the customers proposing the finance of house construction or renovation. Meanwhile, the contract of musyarakah mutanaqisah is designed for the customers proposing the finance of the finished house. This is a field research using the analytical-evaluative qualitative method. The researcher here attempted to make a clarification between the concept and the implementation. The result of the research showed that not all clause of the practice of KPR finance either with the contract of murobahah or with musyarakah mutanaqisah has been in accordance with the fatwa DSN-MUI. The contract of murobahah practiced was murobahah represented not with pure murobahah. This then has triggered the element of riba (excessive interest) in the transaction. Meanwhile in the contract of musyarakah mutanaqisah the bank does not divide the portion of hishshah into the units of hishshah ((tajâ€™ziatul hishshah) share capital. In fact, the clause is the characteristic in the finance of musyarakah mutanaqisah that must be appeared as the distinguishing with other contract. Abstrak Pembiayaan Kredit Pemilikan Rumah (secara lokal disingkat KPR atau Kredit Pemilikan Rumah) adalah produk pembiayaan di Bank Muamalat Kantor Cabang Surakarta dengan akad murobahah dan musyarakah mutanaqisah. Dalam implementasinya terdapat perbedaan karakteristik antara kedua kontrak tersebut. Akad murobahah hanya diperuntukkan bagi nasabah yang mengajukan pembiayaan pembangunan atau renovasi rumah. Sedangkan akad musyarakah mutanaqisah diperuntukkan bagi nasabah yang mengajukan pembiayaan rumah jadi. Penelitian ini merupakan penelitian lapangan dengan metode kualitatif analitik-evaluatif. Peneliti disini mencoba untuk membuat klarifikasi antara konsep dan implementasinya. Hasil penelitian menunjukkan bahwa tidak semua klausul praktik keuangan KPR baik dengan akad murobahah maupun musyarakah mutanaqisah telah sesuai dengan fatwa DSN-MUI. Akad murobahah yang dipraktikkan adalah murobahah yang direpresentasikan bukan dengan murobahah murni. Hal inilah yang kemudian memicu unsur riba (bunga berlebih) dalam transaksi tersebut. Sedangkan dalam akad musyarakah mutanaqisah bank tidak membagi porsi hishshah menjadi unit modal saham hishshah ((taj'ziatul hishshah). Padahal klausul tersebut merupakan ciri dalam pembiayaan musyarakah mutanaqisah yang harus dimunculkan sebagai yang membedakan dengan kontrak lainnya.

Co-Authors Annas Syams Rizal Fahmi Aqif Khilmia Daud Sukoco Devid Frastiawan Amir Sup Ihsan Hudiana Maranti, Safika Milenia Ayu Saraswati Muhamad Syamsul Huda Muhammad Irkham Firdaus Retnowati, May Shinta Safika Maranti Salwa Fuadia

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