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All Journal Taqnin: Jurnal Syariah dan Hukum Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah Jurnal Keuangan dan Perbankan Syariah
Safaruddin Safaruddin
Sekolah Tinggi Ilmu Syariah Ummul Ayman
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Implementasi Kredit Usaha Rakyat Perspektif Hukum Ekonomi Syariah pada Unit Pegadaian Syariah (UPS) Panton Labu Safaruddin, Safaruddin
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 9 No 1 (2024): Al-Muamalat: Jurnal Hukum Dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v9i1.8293

Abstract

Modal merupakan komponen kunci dalam meningkatkan produktivitas dan kinerja, selain pengaruh UMKM yang besar terhadap perekonomian Indonesia, UMKM juga merupakan salah satu solusi untuk mengurangi kesenjangan pendapatan masyarakat Indonesia, Pemerintah telah mengupayakan peningkatan akses sumber pembiayaan dalam meningkatkan pertumbuhan ekonomi nasional melalui program KUR. Pada tahun 2015, pemerintah Indonesia meluncurkan program KUR yang sesuai dengan prinsip-prinsip Syariah. Pada UPS Panton Labu Kredit Usaha Rakyat ini adalah kebijakan yang baru berjalan selama 2 (dua) tahun, penggunaan akad rahn sebagai akad transaksinya, juga terdapat perihal penggunaan tarif sebesar 3% efektif per tahun, dan tidak adanya isyarat. Penelitian ini merupakan penelitian hukum empiris menggunakan metode deskriptif analisis untuk menggambarkan. Hasil penelitian menunjukkan bahwa unit pegadaian syariah panton labu menerapkan akad rahn tasjily sebagai akad transaksi dalam pembiayaannya. Proses implementasi Kredit Usaha Rakyat di UPS Panton Labu dengan menggunakan akad rahn tasjily. Proses implementasi Kredit Usaha Rakyat di Pegadaian Syariah Panton Labu dengan menggunakan akad Rahn Tasjily dengan marhun berupa dokumen sudah sesuai Kompilasi Hukum Ekonomi Syariah Bab XIV tentang Rahn dan penetapan besaran mu'nah sebagai ujrah sewa tempat penyimpanan sudah tepat dan sesuai dengan Fatwa DSN-MUI No 68/DSMNUI/III/2008 tentang Rahn Tasjily.
Pemberian Imbalan Via Aplikasi TikTok Perspektif Hukum Ekonomi Syariah: Analisis Terhadap Program TikTok Affiliate Wahidin, Wahidin; Safaruddin, Safaruddin
TAQNIN: Jurnal Syariah dan Hukum Vol 6, No 01 (2024): Januari-Juni 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/taqnin.v6i01.20730

Abstract

In daily life, one cannot escape from muamalah activities, whether to meet daily needs such as buying and selling, forming relationships such as marriage, or fulfilling emotional needs such as entertainment. The use of the TikTok application with the provision of commissions or rewards to someone for their actions is a modern example of muamalah. This person receives a certain amount of money or other forms of payment for specific work. The issues discussed in this research are  What is the mechanism for giving rewards on the TikTok application and What is the view of Sharia economic law on giving rewards in the TikTok application? This research uses the library research method with documentation from the study of Syafi’i school books, works by classical and contemporary Syafi’iyah scholars, academic journals, institutional repositories, and related scientific articles as primary data sources. The research results show that: firstly The reward mechanism on TikTok Affiliate starts with the registration of creators who promote products through content containing links. A commission of 10-30% is given after a successful transaction and is recorded in the account dashboard, paid after reaching a certain amount. This mechanism ensures fairness and transparency in accordance with the principle of ju’alah  contracts and provides additional income opportunities for creators. And secondly The TikTok Affiliate program is a form of muamalah, which is permissible as long as there is no evidence prohibiting it. However, this program can become haram if its practices do not comply with Islamic law.
Analisis Komparatif Implementasi Kredit Usaha Rakyat Perspektif Hukum Ekonomi Syariah Pada Pegadaian Syariah dan Bank Syariah Indonesia Safaruddin, Safaruddin
Jurnal Keuangan dan Perbankan Syariah Vol 3 No 2 (2024): Desember 2024
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v3i2.3352

Abstract

This research aims to provide a comprehensive overview of the similarities and differences in the application of KUR in the context of sharia economic law in the two financial institutions and make a meaningful contribution to the development of sharia financial practices in Indonesia. This research uses a descriptive qualitative approach with a comparative study method to understand and compare the implementation of Kredit Usaha Rakyat at Pegadaian Syariah and Bank BSI based on the principles of sharia economic law. Pegadaian Syariah distributes KUR through four stages with a Rahn Tasjily contract, while Bank Syariah Indonesia (BSI) follows six stages with a Murabahah Bil Wakalah contract. Pegadaian Syariah focuses on productive sharia businesses of at least 6 months, offering installments of 6-24 months, and verification of 3-4 weeks, while BSI prioritizes the service, production, and agriculture sectors, with maximum installments of 36-48 months, and requires collateral for ceilings above IDR 100,000,000. This research uses a sharia economic law approach to analyze the implementation of KUR in Pegadaian Syariah and Bank BSI, highlighting compliance with Islamic law. Through a comparative study between the two institutions, this research provides specific insights into variations in the implementation of KUR in a sharia context that have not been widely discussed in the literature.
Co-Authors Wahidin, Wahidin