Article Per Year (5 Year)
p-Index From 2021 - 2026
1.468
P-Index
This Author published in this journals
All Journal Tahkim (Jurnal Peradaban dan Hukum Islam) Jurnal Ilmiah Ekonomi Islam Jurnal Wawasan Yuridika Pena Justisia: Media Komunikasi dan Kajian Hukum Al-Adl : Jurnal Hukum Al-Ahwal Al-Syakhsiyyah: Jurnal Hukum Keluarga dan Peradilan Islam Al-Muamalat : Jurnal Ekonomi Syariah Syakhshiyyah Jurnal Hukum Keluarga Islam JSE: Jurnal Sharia Economica
Sofyan Mei Utama, Sofyan Mei
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

Published : 12 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 12 Documents
Search

 1   2 
Penerapan Akad Musyarakah Mutanaqisah Pada Perumahan Syariah Aster Village Ciwastra Menggunakan Produk Pembiayaan Kredit Bank Syariah Indonesia Utama, Sofyan Mei; Farid, Diana; Abdulah Pakarti, Muhammad Husni; Mabruri, Kemal Al Kautsar; Rohman, Hilma Fanniar
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

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

Abstract

House sale and purchase transactions in the context of sharia have become a major concern in the development of Islamic economic models that are based on the principles of justice, equality, and compliance with Islamic law. One of the contracts proposed to fulfill these principles is the Musyarakah Mutanaqisah Agreement. This study aims to analyze the application of the Musyarakah Mutanaqisah Agreement on home ownership loans in aster village Islamic housing where the implementation of credit is carried out through a Bank mechanism in this case Bank Syariah Indonesia (BSI). The research method used is a qualitative approach with a case study approach. Data were obtained through interviews with related parties, analysis of transaction-related documents, and review of related literature. The results showed that the implementation of the Musyarakah Mutanaqisah contract in BSI Griya Hasanah financing has two contracts in it (hybrid contract). The first is that banks and customers cooperate (syirkah / musyarakah) to buy an asset, so the musyarakah contract in BSI Griya Hasanah financing is only limited to cooperation in the ownership of an asset. The second is ijarah. The asset that becomes the object of financing is leased (ijarah) to the customer with a rental payment which is assumed to be a profit that will be divided between the bank and the customer according to a predetermined ratio. The profit sharing obtained by the bank will be considered as profit for the bank. Meanwhile, the profit sharing received by the customer is diverted to buy the bank's hishah portion. Not only is there more than one contract, in this BSI Griya Hasanah financing scheme there are also two agreement contracts. The first agreement contract contains the Musyarakah Mutanaqisah contract itself, and the second agreement contract contains ijarah.
ANALISIS AKAD AS-SALAM DALAM JUAL BELI ONLINE DI TOKO CHAGIYA Yahya, Roby Putra; Farid, Diana; Utama, Sofyan Mei; Zilliavirni, Ratu Tiara; Abdulah Pakarti, Muhammad Husni; Hendriana, Hendriana
JSE: Jurnal Sharia Economica Vol. 2 No. 2 (2023): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v2i2.736

Abstract

This research discusses the concept of the As-Salam contract in online buying and selling transactions at the Chagiya shop. The As-Salam contract is a form of contract in Islam that has an important role in maintaining the principles of justice and ethics in business. This research aims to analyze the application of the As-Salam contract in the context of online buying and selling at the Chagiya shop, as well as its impact on transaction actors and consumers. Qualitative method with descriptive analysis, this research uses a field approach (Field Research) by making direct observations of the activities carried out by the company. While the data collection techniques in this study used interviews with sellers and buyers at Chagiya Stores and library documentation (Library Research), after the data was collected, data analysis was carried out with several stages, namely data reduction, data presentation and drawing conclusions from what was obtained in this study. The conclusion obtained from this research is that buying and selling with the online system carried out by Toko Chagiya is included in the as-salam system using a written contract via the internet where the as-salam contract can be carried out by the two contract actors who are not in one assembly (place) then applied through pictures of products and types through the Instagram site. Both (contract actors) are brought together on one network site. The Online as-Salam System at Toko Chagiya is concluded that as-salam with an online system is permitted, because it fulfills the pillars and conditions of salam sale and purchase that have been determined by Shara' and fulfills the rules that apply in a transaction. This is reinforced by the opinions of Chagiya Shop buyers regarding the sale of their products, 95% say that the online service is satisfactory, the goods in the picture match the reality, and if there is a mistake from the store, the store is responsible. In addition, in practice, the author concludes that the contract carried out by Toko Chagiya is in accordance with the provisions of Fatwa DSN-MUI No.05/DSN-MUI/IV/2000. Where this online buying and selling does not contain elements that can damage it, such as usury, injustice, fraud and the like.
Co-Authors Dysmala S., Emma Endang Pujiastuti Farid, Diana Fathiah, Iffah Hendriana Hendriana, Hendriana Januarsyah, Mas Putra Zeno Mabruri, Kemal Al Kautsar Muhammad Husni Abdulah Pakarti Nahdia Nazmi Nu’man, Mohamad Hilal Otong Syuhada Putra Ganda, Raka Angwas Rohman, Hilma Fanniar Rubiantini, Isni Siddiq, Achmad Trisulo Trisulo Wiwik Handayani Yahya, Roby Putra Zilliavirni, Ratu Tiara