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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Ekonomics, Finance, and Management Studies
Azhar Taufik
Universitas Muhammadiyah Jakarta
Religion Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pemahaman Pelaku Usaha Produk Roti dan Kue Terhadap Undang Undang Nomor 33 Tahun 2014 Tentang Jaminan Produk Halal di Kecamatan Pesanggrahan Fathur Rachman; Risdianto; Azhar Taufik; Usman Alfarisi; Laila Yumna
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 11 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i11.9812

Abstract

This study aims to provide an understanding of halal products to bread and cake product business actors in Pesanggrahan District. This study uses a research method with a qualitative descriptive approach, namely a research method related to writing a topic of discussion by describing it, namely describing the understanding of business actors regarding Law Number 33 of 2014 concerning Halal Product Assurance and explaining the application of understanding of Halal Assurance to bread and cake product business actors in Pesanggrahan District, as well as analyzing the supporting and inhibiting factors in the understanding of business actors regarding Law Number 33 of 2014 concerning Halal Product Assurance. The results of this study found that there are still many bread and cake product business actors who do not understand Law Number 33 of 2014 concerning Halal Product Assurance and there are still some business actors who do not have Halal certificates. In this study, the author made efforts starting from socializing the implementation of halal certification to raise awareness of bread and cake product actors to implement halal certification. The awareness of business actors is seen in the increase in cognitive aspects that lead them to carry out halal certification. The supporting factors are in the form of adequate support and facilities in the implementation of halal certification. Meanwhile, inhibiting factors in the form of inadequate follow-up policies mean that the implementation of halal certification has not yet been carried out properly.
Analisa Implementasi Akad Istishna pada Produk Pembiayaan KPR Syariah (KPR Indent IB) Bank BTN Syariah Azhar Taufik; Dina Febriani; Asep Supyadillah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.11751

Abstract

This study aims to analyze the implementation of the istishna’ contract in the KPR Indent IB home financing product at Bank BTN Syariah (BSN) and to assess its compliance with DSN-MUI Fatwa No. 06/DSN-MUI/IV/2000 concerning Istishna’ Sale and Purchase. The background of this research is based on the increasing public demand for home ownership through sharia-compliant financing schemes that are free from elements of riba (usury) and gharar (uncertainty). This research employs a descriptive qualitative method with a case study approach. Data were collected through observation and interviews with officials of Bank BTN Syariah, Harmoni Branch, Central Jakarta, as well as a partner property developer in the Depok area. The data analysis technique applied the Miles and Huberman model, which includes data collection, data reduction, data display, and conclusion drawing. The findings indicate that the implementation of the istishna’ contract in the KPR Indent IB product fulfills the essential pillars and conditions stipulated in the DSN-MUI Fatwa, particularly in terms of payment provisions, clarity of the contract object specifications, delivery mechanisms, and financing risk management. The margin scheme is determined as fixed or tiered without altering the principal price agreed upon at the inception of the contract, thereby avoiding elements of gharar. Risk management is conducted through warning mechanisms, restructuring measures, collateral execution in cases of default, and the imposition of ta’zir penalties allocated to charitable funds. It can therefore be concluded that the implementation of the istishna’ contract in the KPR Indent IB financing product at Bank BTN Syariah is substantially in accordance with sharia principles and the applicable fatwa regulations in Indonesia.
Co-Authors Asep Supyadillah Dina Febriani Fathur Rachman Laila Yumna Risdianto Usman Alfarisi