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All Journal J-CEKI Jurnal Ekonomi, Manajemen, Akuntansi
Achmad Nursobah
Institut Agama Islam An-Nawawi Purworejo
Humanities Economics, Econometrics & Finance Social Sciences

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Ḥȋlah Dalam Fatwa DSN-MUI Tentang Dana TBDSP Bagi Lembaga Keuangan Syariah Hasim Hasim; Muhajir Muhajir; Achmad Nursobah
J-CEKI : Jurnal Cendekia Ilmiah Vol. 3 No. 6: Oktober 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v3i6.5116

Abstract

The use of new transactions in Islamic finance has faced criticism, particularly regarding the implementing of ḥȋlah (legal stratagem) which is seen as adopting conventional financial instruments that go against religious morals. This research examines the application of ḥȋlah in the Indonesian Ulama Council's (DSN-MUI) fatwa, or religious ruling, on funds that are not considered to be halal (funds that cannot be recognized as income). A way to divide up accounts and direct non-halal money toward social causes is offered by the DSN-MUI. Using a normative-philosophical perspective, this study reveals how ḥċlah is applied in the fatwa. The results show indications of the application of ḥȋlah, as seen from: (1) the recognition of non-halal funds, (2) the obligation to have a special account to separate halal and non-halal funds, and (3) the distribution of non-halal funds for socio-religious activities as an effort to avoid the stagnation of wealth. Overall, this fatwa tends to use ḥȋlah by referring to the practice of the Prophet Muhammad in handling assets with unclear legal status.
Nalar Hikmah Dalam Fatwa Dsn-Mui Tentang Ganti Rugi (Ta’widh) Ririh Ambarningsih; Achmad Nursobah; Anwar Ma’rufi
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 1: Desember 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i1.5147

Abstract

In the context of Indonesia's economy and business, the practice of compensation (ta'widh) by Islamic financial institutions faces various issues and challenges. There are differing understandings and interpretations regarding the application of compensation in accordance with Sharia principles, with some views suggesting that the calculation methods and amounts of compensation are not yet fully compliant. This has led to dissatisfaction and controversy among customers. The practice of compensation is often misconstrued as a form of penalty, contradicting Sharia principles that prohibit usury. The goal of this study is to examine how Indonesian Islamic financial institutions have adopted the DSN-MUI fatwa on compensation, or ta'widh. The purpose of this qualitative study is to investigate the meanings and guiding principles of the fatwa provisions using a library research method and hikmah-based reasoning approach. Primary data is sourced from DSN-MUI fatwa documents, while secondary data includes academic literature. The analysis results indicate that the DSN-MUI fatwa effectively integrates the principles of hikmah, promoting justice, benefit, and adherence to Sharia. This fatwa enhances the implementation of ta'widh, ensuring consistency with core Sharia values, and contributes positively to the Islamic financial system. It is anticipated that the research findings would be used as a guide for Islamic financial institutions, regulators, and the general public in accurately implementing the fatwa in accordance with Sharia principles.
Kesadaran Hukum Halal Pada Pelaku Unit Becos Cafe di Lingkungan Pondok Pesantren An-Nawawi Berjan Achmad Nursobah
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 3 No. 4: Mei 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v3i4.3488

Abstract

Bergaya hidup halal bukan lagi hanya untuk para umat islam saja, tetapi sudah banyak negara-negara non-muslim yang ikut peduli dan berpartisipati dengan adanya brand ini. Kebutuhan akan adanya produksi-produksi halal bukan hanya mengacu pada konsumen umat Islam saja, tetapi juga menjadi trend terbaik di dunia internasional khususnya dalam bidang bisnis internasional, minat mereka sangatlah patut diapresiasikan karena mereka telah mendukung dan menghargai agama Islam. Tidak sedikit negara-negara yang bernotabennya non-muslim menjadi pemimpin berjalannya pasar dunia dalam penyediaan produk-produk halal, semua ini disebabkan karena begitu besarnya nilai ekonomi yang didapatkan dari industri penjualan halal tersebut. Dengan adanya market size ini, banyak negara-negara yang tergiur dan tergoda untuk masuk kedunia industri halal tersebut, tidak hanya dari negara-negara yang bermayoritas umat Islam tetapi juga dari negara-negara yang bermayoritas non-Islam. Tetapi tidak dapat dipungkiri bahwa dengan penduduk yang bermayoritas muslim ini membawakan keuntungan yang besar untuk negara, karena dengan ini dapat terus meningkatakan laju pertumbuhan ekonomis Islam di Indonesia. Alasan mengapa Indonesia menjadi negara pengimpor makanan halal terbesar didunia ialah kerena semakin banyak permintaan konsumen untuk memenuhi kehidupannya dalam mengonsumsi produk-produk halal. Tidak hanya itu mereka juga menyadari bahwa sikap dan perilaku mereka juga sangat diperhatikan dalam hukum, karena sikap dan perilaku mereka kepada para konsumen dan masyarakat sekitar menjadi tanggung jawab yang harus dijaga. Pondok Pesantren yang sudah jelas kepemahamannya terkait halal dan Karyawan yang ada di Becos Caffee Shop ini adalah santri Pondok dengan menu-menu yang disajikan di Becos Caffee Shop ini.
Praktik Jual Beli Sawah dengan Sistem Ngemplong di Desa Karangjengkol Cilacap Saifudin Saifudin; Muhajir Muhajir; Achmad Nursobah; Maolana Mujib
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 1: November 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i1.5955

Abstract

Sale and purchase is the transfer of ownership rights between the seller and the buyer in absolute terms, either of the goods or benefits. In Karangjengkol Village, Kesugihan District, Cilacap Regency, there is a land sale and purchase using the Ngemplong system. Namely buying and selling by selling rice fields to buyers with conditions for the buyer. Usually the requirement is a certain time. This research is classified into the type of field research. Through an Islamic legal approach and using qualitative data analysis. The practice of buying and selling in Karangjengkol Village, Kesugihan District, Cilacap Regency is a practice of renting with the term ngemplong, seeing the terms and conditions of the lease, or the conditions for the goods being rented, which have been fulfilled. In terms of ‘urf, it is a habit in the form of speech (‘urf qaulῑ), and from the point of view of its scope, it is a general habit ('urf ᾱm). Meanwhile, in terms of its validity from the point of view of syara', it is a valid habit (‘urf sahῑh). And also meets the ‘urf requirements. So that the practice of leasing with the term buying and selling according to sharia, is legal and can be used.
Co-Authors Anwar Ma’rufi Hasim Hasim Maolana Mujib Muhajir Muhajir Muhajir Muhajir Muhajir Muhajir Muhajir Ririh Ambarningsih Saifudin Saifudin Saifudin