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All Journal AL-MASHALIH (Journal of Islamic Law) Al Barakat: Jurnal Kajian Hukum Ekonomi Syariah
Saleh, Mulyana
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Religion Humanities Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Tinjauan Hukum Islam terhadap Praktik Pembiayaan dengan Akad Murabahah Di Koperasi Citra Mandiri Sejahtera, Pamulang Tangerang Selatan Saleh, Mulyana; Lubis, Nursolehah
Al Barakat Vol 3 No 1 (2023): Al Barakat - Jurnal Kajian Hukum Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah (Muamalah)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/jab.v3i1.160

Abstract

Koperasi Citra Mandiri Sejahtera Pamulang Tangerang Selatan adalah salah satu koperasi yang menerapkan sistem syariah dalam melakukan praktik pembiayaan. Salah satunya adalah menggunakan praktik pembiayaan dengan akad murabahah. Tujuan penelitian ini adalah untuk mengetahui bagaimana prakik pembiayaan dengan akad murabahah pada koperasi syariah Citra Mandiri Sejahtera Pamulang Tangerang Selatan dan untuk menganalisa bagaimana tinjauan hukum Islam terhadap praktik pembiayaan dengan akad murabahah pada koperasi Citra Mandiri Sejahtera Pamulang Tangerang Selatan. Penelitian ini merupakan penelitian lapangan, yang menggunakan metode kualitatif. Teknik pengumpulan data yang digunakan adalah dengan menggabungkan dua jenis data, yaitu data yang diperoleh dari penelitian lapangan/observasi, wawancara, dan dokumentasi. Data yang peneliti peroleh, kemudian direduksi, disajikan, dan disimpulkan dengan teknik analisis deskriftif. Adapun hasil penelitian ini, menyimpulkan bahwa praktik pembiayaan akad murabahah di Koperasi Citra Mandiri Sejahtera Pamulang Tangerang Selatan, tidak sesuai dengan hukum Islam atau etika bisnis dalam Islam. Hal tersebut dikarenakan ada wakil koperasi yang melakukan ketidak jujuran, kurangnya amanah, mengurangi timbangan dan juga gharar atau penipuan.
Tinjauan Sharia Compliance terhadap Praktik Transaksi dalam Pembelian Hewan Kurban dengan Akad Murabahah di Aplikasi Instagram: (Studi Kasus di 7gembalafarm) Saleh, Mulyana; Agustine, Hendra Karunia; Fakhlevi Suwondo, Izzy Dwiki
AL-MASHALIH (Journal of Islamic Law) Vol. 5 No. 02 (2024): AL-MASHALIH (Journal of Islamic Law)
Publisher : Sekolah Tinggi Ilmu Syariah Husnul Khotimah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/mashalih.v5i02.266

Abstract

Buying and selling is the most extensive gateway or door to transactions. The phenomenon of buying and selling in Islam has certainly experienced many changes and advances. Buying and selling transactions no longer rely on face-to-face buying and selling. One of those who take advantage of this progress in buying and selling is 7gembalafarm, where 7gembalafarm provides various types of sacrificial animals and sells them online through the marketplace, one of which is Instagram. The problem that arises is whether the application of the murabahah contract in the sale and purchase of sacrificial animals at 7gembalafarm is in accordance with sharia compliance so that people feel calm when buying sacrificial animals at 7gembalafarm and whether the application of transactions with the murabahah contract in the sale and purchase of sacrificial animals on the Instagram application is in accordance with sharia compliance or not, and can it cause potential usury elements or not, because these things are still uncertain. This study aims to determine how the transaction practices in purchasing sacrificial animals with the murabahah contract at 7gembalafarm and how the sharia compliance review of transaction practices in purchasing sacrificial animals with the murabahah contract at 7gembalafarm. This study uses a qualitative method with a field research type. The data collection techniques used are interviews and documentation. The results of this study are: First, the transactions carried out by 7gembalafarm have been carried out transparently in explaining the types of transactions so that no one is harmed and there is a third party paylater in the transaction. Second, based on a review of sharia compliance with the purchase of sacrificial animals with a murabahah contract, when viewed from sharia compliance, it is not in accordance with the principles in sharia compliance because one of the principles of sharia compliance must be free from usury. Thus, the transactions at 7gembalafarm are not 100% in accordance with Sharia compliance because 7gembalafarm uses a third party paylater in its transactions.
Analisis Hukum Islam dan UU No. 8 Tahun 1999 terhadap Pengalihan Uang Kembalian Pada Barang: (Studi Kasus Toko SRC Enco Desa Cilaja Kecamatan Kramatmulya Kabupaten Kuningan) Saleh, Mulyana; Alfauzi, Fikri
AL-MASHALIH (Journal of Islamic Law) Vol. 6 No. 01 (2025): Vol. 6 No. 1 (2025): AL-MASHALIH (Journal of Islamic Law)
Publisher : Sekolah Tinggi Ilmu Syariah Husnul Khotimah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/mashalih.v6i01.296

Abstract

Over time, the buying and selling system that continues to develop can sometimes raise problems that are detrimental to consumers and violate legal corridors. One of them is the practice of diverting consumer’s change into goods. The phenomenon of diverting consumer’s change also occurred at the SRC Enco Store, Cilaja Village, Kramatmulya Sub District, Kuningan Regency. SRC Enco Store is one of today's grocery stores that provides a variety of daily needs for the community. In practice, the seller at the SRC Enco Store transfers the consumer's change into an item. This study aims to find out how the practice of transferring change into goods at the SRC Enco Store, Cilaja Village, Kramatmulya Sub District, Kuningan Regency. In addition, this study also aims to analyze how the practice of transferring change into goods at the SRC Enco Store, Cilaja Village, Kramatmulya Sub District, Kuningan Regency, is viewed from Islamic law and Law No. 8 of 1999. The research method used is a qualitative method. This research includes the type of field research. Data collection techniques used are interviews, observation and documentation. The results of this study are first, the practice of transferring change into an item that occurs at the SRC Enco Store in Cilaja Village, Kramatmulya Sub District, Kuningan Regency is carried out by asking for prior approval from the consumer, and explaining the reasons for transferring change into the item. The practice of transferring change for goods is also carried out on the basis of the principle of consensual or there is the mutual approval of the shop or the buyer. Second, the transfer of change into an item that occurred at the SRC Enco Store in Cilaja Village, Kramatmulya Sub District, Kuningan Regency is in accordance with Islamic Law, because both parties are pleased with each other and neither party feels wronged or harmed by the transfer, and does not conflict and does not cause disputes, and the rights of sellers and buyers are fulfilled. Third, the transfer of change into goods at the SRC Enco Store in Cilaja Village, Kramatmulya Sub District, Kuningan Regency has been in accordance with Law No. 8 of 1999 because the shop does not violate consumer rights and there is no element of violation in the transaction.
Tinjauan Hukum Islam terhadap Praktik Pembiayaan dengan Akad Murabahah Di Koperasi Citra Mandiri Sejahtera, Pamulang Tangerang Selatan Saleh, Mulyana; Lubis, Nursolehah
Al Barakat Vol 3 No 1 (2023): Al Barakat - Jurnal Kajian Hukum Ekonomi Syariah
Publisher : Program Studi Hukum Ekonomi Syariah (Muamalah)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/jab.v3i1.160

Abstract

Koperasi Citra Mandiri Sejahtera Pamulang Tangerang Selatan adalah salah satu koperasi yang menerapkan sistem syariah dalam melakukan praktik pembiayaan. Salah satunya adalah menggunakan praktik pembiayaan dengan akad murabahah. Tujuan penelitian ini adalah untuk mengetahui bagaimana prakik pembiayaan dengan akad murabahah pada koperasi syariah Citra Mandiri Sejahtera Pamulang Tangerang Selatan dan untuk menganalisa bagaimana tinjauan hukum Islam terhadap praktik pembiayaan dengan akad murabahah pada koperasi Citra Mandiri Sejahtera Pamulang Tangerang Selatan. Penelitian ini merupakan penelitian lapangan, yang menggunakan metode kualitatif. Teknik pengumpulan data yang digunakan adalah dengan menggabungkan dua jenis data, yaitu data yang diperoleh dari penelitian lapangan/observasi, wawancara, dan dokumentasi. Data yang peneliti peroleh, kemudian direduksi, disajikan, dan disimpulkan dengan teknik analisis deskriftif. Adapun hasil penelitian ini, menyimpulkan bahwa praktik pembiayaan akad murabahah di Koperasi Citra Mandiri Sejahtera Pamulang Tangerang Selatan, tidak sesuai dengan hukum Islam atau etika bisnis dalam Islam. Hal tersebut dikarenakan ada wakil koperasi yang melakukan ketidak jujuran, kurangnya amanah, mengurangi timbangan dan juga gharar atau penipuan.
Tinjauan Sharia Compliance terhadap Praktik Transaksi dalam Pembelian Hewan Kurban dengan Akad Murabahah di Aplikasi Instagram: (Studi Kasus di 7gembalafarm) Saleh, Mulyana; Agustine, Hendra Karunia; Fakhlevi Suwondo, Izzy Dwiki
AL-MASHALIH (Journal of Islamic Law) Vol. 5 No. 02 (2024): AL-MASHALIH (Journal of Islamic Law)
Publisher : Sekolah Tinggi Ilmu Syariah Husnul Khotimah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/mashalih.v5i02.266

Abstract

Buying and selling is the most extensive gateway or door to transactions. The phenomenon of buying and selling in Islam has certainly experienced many changes and advances. Buying and selling transactions no longer rely on face-to-face buying and selling. One of those who take advantage of this progress in buying and selling is 7gembalafarm, where 7gembalafarm provides various types of sacrificial animals and sells them online through the marketplace, one of which is Instagram. The problem that arises is whether the application of the murabahah contract in the sale and purchase of sacrificial animals at 7gembalafarm is in accordance with sharia compliance so that people feel calm when buying sacrificial animals at 7gembalafarm and whether the application of transactions with the murabahah contract in the sale and purchase of sacrificial animals on the Instagram application is in accordance with sharia compliance or not, and can it cause potential usury elements or not, because these things are still uncertain. This study aims to determine how the transaction practices in purchasing sacrificial animals with the murabahah contract at 7gembalafarm and how the sharia compliance review of transaction practices in purchasing sacrificial animals with the murabahah contract at 7gembalafarm. This study uses a qualitative method with a field research type. The data collection techniques used are interviews and documentation. The results of this study are: First, the transactions carried out by 7gembalafarm have been carried out transparently in explaining the types of transactions so that no one is harmed and there is a third party paylater in the transaction. Second, based on a review of sharia compliance with the purchase of sacrificial animals with a murabahah contract, when viewed from sharia compliance, it is not in accordance with the principles in sharia compliance because one of the principles of sharia compliance must be free from usury. Thus, the transactions at 7gembalafarm are not 100% in accordance with Sharia compliance because 7gembalafarm uses a third party paylater in its transactions.
Analisis Hukum Islam dan UU No. 8 Tahun 1999 terhadap Pengalihan Uang Kembalian Pada Barang: (Studi Kasus Toko SRC Enco Desa Cilaja Kecamatan Kramatmulya Kabupaten Kuningan) Saleh, Mulyana; Alfauzi, Fikri
AL-MASHALIH (Journal of Islamic Law) Vol. 6 No. 01 (2025): Vol. 6 No. 1 (2025): AL-MASHALIH (Journal of Islamic Law)
Publisher : Sekolah Tinggi Ilmu Syariah Husnul Khotimah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/mashalih.v6i01.296

Abstract

Over time, the buying and selling system that continues to develop can sometimes raise problems that are detrimental to consumers and violate legal corridors. One of them is the practice of diverting consumer’s change into goods. The phenomenon of diverting consumer’s change also occurred at the SRC Enco Store, Cilaja Village, Kramatmulya Sub District, Kuningan Regency. SRC Enco Store is one of today's grocery stores that provides a variety of daily needs for the community. In practice, the seller at the SRC Enco Store transfers the consumer's change into an item. This study aims to find out how the practice of transferring change into goods at the SRC Enco Store, Cilaja Village, Kramatmulya Sub District, Kuningan Regency. In addition, this study also aims to analyze how the practice of transferring change into goods at the SRC Enco Store, Cilaja Village, Kramatmulya Sub District, Kuningan Regency, is viewed from Islamic law and Law No. 8 of 1999. The research method used is a qualitative method. This research includes the type of field research. Data collection techniques used are interviews, observation and documentation. The results of this study are first, the practice of transferring change into an item that occurs at the SRC Enco Store in Cilaja Village, Kramatmulya Sub District, Kuningan Regency is carried out by asking for prior approval from the consumer, and explaining the reasons for transferring change into the item. The practice of transferring change for goods is also carried out on the basis of the principle of consensual or there is the mutual approval of the shop or the buyer. Second, the transfer of change into an item that occurred at the SRC Enco Store in Cilaja Village, Kramatmulya Sub District, Kuningan Regency is in accordance with Islamic Law, because both parties are pleased with each other and neither party feels wronged or harmed by the transfer, and does not conflict and does not cause disputes, and the rights of sellers and buyers are fulfilled. Third, the transfer of change into goods at the SRC Enco Store in Cilaja Village, Kramatmulya Sub District, Kuningan Regency has been in accordance with Law No. 8 of 1999 because the shop does not violate consumer rights and there is no element of violation in the transaction.
Co-Authors Agustine, Hendra Karunia Alfauzi, Fikri Fakhlevi Suwondo, Izzy Dwiki Lubis, Nursolehah