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All Journal Jurnal Asy-Syari'ah Al-Muamalat : Jurnal Ekonomi Syariah
Adang Sonjaya
Badan Riset dan Inovasi Nasional
Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Sharia fintech: Crowdfunding as MSMEs financing Hilma Rohmatul Ummah; Adang Sonjaya; Jujun Jamaludin
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 1 (2024): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i1.28808

Abstract

Fintech equity crowdfunding is now available in Indonesia, providing an alternative option for MSMEs to raise capital. As the majority of Indonesia's population is Muslim, sharia-based fintech equity crowdfunding is a more suitable option for those seeking funding according to Islamic principles. This system has the potential to be a capital solution for MSMEs more simply and ethically. This research aims to explore the potential of Sharia crowdfunding as an effective means for MSMEs to expand their business operations, ultimately contributing to broader economic sector improvements in Indonesia. Additionally, it assesses the conformity of this practice with OJK regulations and Fatwa DSN-MUI, as well as its compliance with Sharia principles. The descriptive-analytical method is employed, analyzing various documents and texts from various sources. The results indicate that Sharia-based fintech, particularly in the form of crowdfunding, can be an effective means for MSMEs to obtain capital through online platforms. Crowdfunding also presents opportunities for investors who wish to contribute to the funding of MSMEs in a manner that aligns with Sharia principles.
Sharia Compliance dalam Pelaksanaan Eksekusi Jaminan Gadai Rahn Fatima Retno Ningrum; Adang Sonjaya; Siti Puryandani; Dian Anggraeny Rahim
Asy-Syari'ah Vol 25, No 1 (2023): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v25i1.28809

Abstract

Abstract: This research is a comprehensive study of the implementation of executions carried out by murtahin on rahn pawn collateral, approached from the perspective of Sharia economic law. The study was conducted using a qualitative descriptive research methodology, which allowed for a detailed exploration of the execution of Rahn guarantees from the perspective of Sharia economic law. The normative legal approach was employed, using secondary sources to collect Islamic regulations and laws that were most relevant to the research problem. The research was then analyzed using the Sharia economic law doctrine. The findings of this research provide the procedures for executing rahn as per the Constitutional Court Decision Letter Number 18 of 2019, in accordance with the principles of Islamic sharia as regulated in the DSN-MUI Fatwa Number 92 of 2014 concerning financing accompanied by rahn.Abstrak: Penelitian ini bermaksud untuk melakukan kajian terhadap pelaksanaan eksekusi yang dilakukan oleh murtahin atas jaminan gadai rahn dari sudut pandang hukum ekonomi syari’ah. Penelitian ini dilakukan dengan menggunakan jenis penelitian deskriptif kualitatif yang mengeksplorasi eksekusi jaminan rahn dalam pandangan hukum ekonomi syari’ah. Pendekatan yang digunakan adalah pendekatan hukum normatif dengan menggunakan sumber sekunder yang dikumpulkan dengan cara menginven­tarisir peraturan dan hukum islam yang sesuai dengan masalah penelitian. Penelitian ini kemudian dianalisis dengan menggunakan doktrin hukum ekonomi syariah. Hasil penelitian ini adalah tata cara pelaksanaan eksekusi dalam Surat Putusan Mahkamah konstitusi Nomor 18 Tahun 2019 sesuai dengan prinsip Syari’at Islam yang diatur dalam Fatwa DSN-MUI Nomor 92 Tahun 2014 tentang pembiayaan yang disertai rahn.
Co-Authors Dian Anggraeny Rahim Fatima Retno Ningrum Hilma Rohmatul Ummah Jujun Jamaludin Siti Puryandani