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Penarikan Zakat Nasabah Di Bank Bjb Syariah Kabupaten Garut (Jl. Ciledug No 45 Kabupaten Garut) (Studi Kasus Di Bank BJB Syariah Kabupaten Garut) Wati, Ai; Radiansyah, Elshandy
Jurnal Hukum Ekonomi Syariah Vol 1 No 1 (2022): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v1i1.164

BJB Syariah Garut Regency JL. Ciledug No 45 is a Sharia financial institution. One of its functions is to collect funds from customers to be managed. Its product, Savings, involves the opening of savings accounts for customers. These savings utilize the Al-mudharabah contract, which entails rights and obligations for each party. The research problem addressed in this study includes 1) Analysis of customer zakat withdrawals at Bank BJB Syariah in Garut Regency according to Islamic economic law, 2) How zakat withdrawal mechanisms and laws are applied in Bank BJB Syariah Garut Regency from the perspective of Islamic law. The research aims to: 1) Analyze customer zakat withdrawals at Bank BJB Syariah in Garut Regency according to Islamic Law, 2) Understand the mechanisms and laws of zakat withdrawal at Bank BJB Syariah Garut Regency from the perspective of Islamic law. The research method used is descriptive, involving studying, analyzing, and presenting data related to the issue. Data collection methods include data analysis, observation, interviews, and literature review. The data type is qualitative, describing the process of customer zakat withdrawals by Bank BJB Syariah. The research findings on zakat withdrawals in savings products at Bank BJB Syariah Garut Regency state that customers agree to a 2.5% zakat deduction each month upon opening their account. This deduction is implemented regardless of the nisab and haul. If customers agree, regardless of profit sharing or the amount of savings, 2.5% zakat is deducted monthly and directed to BAZNAS or ACT. Zakat withdrawals in Bank BJB Syariah savings embody the principle of social solidarity. The bank must consider nisab and haul in zakat withdrawals to comply with Islamic law. Keywords: Islamic Law, Customer, Zakat.

Tinjauan Hukum Islam Tentang Penarikan Barang Jaminan Akibat Ketidakmampuan Nasabah Membayar Angsuran (Studi Kasus di Desa Mekarjaya Kec. Cikajang Kab. Garut) Wati, Ai; Dewi, Cici Intania
Jurnal Hukum Ekonomi Syariah Vol 1 No 1 (2022): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v1i1.255

With the presence of companies engaged in lending goods or money, many people are interested in this matter. The buying and selling activities at CV. Mandiri should run smoothly because there has been an agreement between the Company and Prospective Customers or Consumers, meaning that the Company has entrusted its Customers or Consumers before conducting transactions with this Credit System. However, in practice, around 31% of Consumers are unable to repay their debts. As a consequence, according to the previous agreement, goods must be seized to be used as collateral to redeem their debt to CV. Mandiri. (1) What mechanism is used to seize collateral goods at CV. Mandiri, Kec. Cikajang? (2) What is the law regarding collateral at CV. Mandiri, Kec. Cikajang? The method used in this research is Qualitative Method. This means that the researcher directly enters the field. The conclusion of this research is that the seizure of collateral goods due to customers' inability to pay installments uses the theory of Maqashid al-Shariah, namely Hifzh Al-Din (preserving religion) and Hifzh Al-Mal (preserving wealth). Elaborating on Hifzh Al-Din and Hifzh Al-Mal, it is stated that without the consent of the collateral owner, the sale of the collateral cannot be done, and without the knowledge of the owner, the sale is not valid. After the seizure of the goods is completed, CV. Mandiri will auction the goods, and any excess from the auction proceeds will be returned to the customer. Keywords: Islamic Law, Collateral, Customer

Perspektif Hukum Ekonomi Islam Tentang Jual Beli Flash Sale Di Shopee Wati, Ai; Putri, Meily Indriani
Jurnal Hukum Ekonomi Syariah Vol 2 No 1 (2023): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v2i1.408

Shopee Flash Sales is a promotion from Shopee that offers exclusive offers for a limited time and limited number of products. The price set in the Flash Sale promo can be said to be a very affordable price because price set is not the normal price but tends to be cheap. In the Flassh Sale promo, Shopee tries to implement a fair sale and purchase that not detrimental to both the seller and the buyer. However, the Flash Sale strategy should be questioned when the product offered has a very limited supply but consumers or interested parties flock from all over Indonesia, resulting in a gap in product supply with a large number of consumers. The formulation of the problem in this research is what is the meaning of Flash Sale? What is the mechanism for buying and selling Flash Sale on the Shopee application? and What is the perspective of Islamic economic law regarding buying and selling Flash Sale on the Shopee application? So this study aims to determine the meaning of Flash Sale and the mechanism of buying and selling Flash Sale in the Shopee application and to find out the perspective of Islamic economic law regarding the sale and purchase of Flash Sale in the Shopee application. This research is included in the type of qualitative research with data collection techniques used, namely interviews, observation, and documentation. The data were analyzed through the stages of data reduction, data presentation, then drawing conclusions. Based on the results of this study it was found that the mechanism for buying and selling Flash Sale in the Shopee application is basically the same as buying and selling online as usual. In the perspective of Islamic economic law, buying and selling Flash Sale in the Shopee application is included in the Ba’i As-Salam contract. In addition, the sale and purchase has fulfilled the pillars and conditions of sale and purchase and is in accordance with the principles of buying and selling, so buying and selling Flash Sale in the Shopee application is permissible and halal.

Perspektif Hukum Ekonomi Syariah Tentang Penyaluran Zakat Maal Yang Dikelola Oleh Badan Amil Zakat Nasional (BAZNAS) Kabupaten Garut Wati, Ai; Alawiyah, Kiki Rofi'ah
Jurnal Hukum Ekonomi Syariah Vol 2 No 1 (2023): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v2i1.415

Zakat is a property that must be issued by every Muslim who is considered capable with several conditions that must be met. In Indonesia, zakat is distributed by the National Amil Zakat Agency. Unfortunately, in the management of zakat maal at the National Amil Zakat Agency of Garut Regency, there are still many proposals for aid applications piling up, so many mustahik have not received zakat. The problem studied is how the mechanism of distributing zakat maal in BAZNAS Garut Regency and how the mechanism of distributing zakat maal in BAZNAS Garut Regency perspective of sharia economic law. The purpose of the study was to find out how the mechanism of distributing zakat maal in BAZNAS Garut Regency and to analyze how the mechanism of distributing zakat maal in BAZNAS Garut Regency perspective of sharia economic law. The method used is field research, namely field research in the form of qualitative research that is descriptive. The research was conducted by conducting direct interviews with BAZNAS staff in an unstructured manner. The results of this study contain that there are five excellent programs in the distribution of zakat maal at BAZNAS Garut Regency, namely Garut Sehat, Garut Taqwa, Garut Peduli, Garut Makmur, and Garut Pintar, which can be distributed after a proposal for assistance that enters BAZNAS to eight asnaf. Even so, the distribution of zakat is not appropriate because it does not meet the principles of Sharia Economic Law, such as justice, tawhid, al-maslahah, and others.

Analisis Hukum Ekonomi Syariah Dalam Transaksi Paylater Pada Aplikasi Shopee Wati, Ai; Ningsih, Sri Hayati
Jurnal Hukum Ekonomi Syariah Vol 2 No 1 (2023): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v2i1.434

Shopee PayLater is Shopee's newest payment method that is easily accessible on smartphones via the internet by Shopee users. The Shopee PayLater payment method offers to active Shopee users. It aims to provide convenience for buyers in the form of loans with low interest rates. However, even though Shopee claims to buy now pay next month without interest, in fact there are still installment fees that users must pay. Shopee also penalizes fines for late payments after maturity. The formulation of the problem in this study includes, how is the mechanism for buying and selling using the PayLater method on the Shopee application? and How is the review of sharia economic law on buying and selling using the PayLater method on the Shopee application? So this study aims to determine the mechanism of buying and selling transactions using PayLater in the Shopee application and to find out the review of sharia economic law on PayLater transactions in the Shopee application. This research is included in the type of qualitative research with data collection techniques used, namely interviews, observation, and documentation. From this data is analyzed through the stages of data reduction, data presentation, then conclusions. Based on the results of this study, it was found that in the Shopee PayLater payment method, usury was indicated because from the beginning of the agreement, Shopee set installment interest and penalties to compensate for late payments. Keywords : Sharia Economic Law, Transaction, PayLater, Shopee

Jual Beli Tanah Di Sandbox Metaverse Dalam Perspektif Hukum Ekonomi Syariah Wati, Ai; Hakim, Iman Lukmanul
Jurnal Hukum Ekonomi Syariah Vol 2 No 1 (2023): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v2i1.437

Along with the development of an increasingly sophisticated technological era, several aspects of life are increasingly attached to technology, one of which is buying and selling. Evidence of technological progress is the existence of a new world online, which builds a virtual world called Metaverse. “Metaverse is a social aspect, game, augmented reality (AR), virtual reality (VR), and digital currency that allows individuals to interact with each other virtually, one of which is the Metaverse is Sandbox. Just like in the real world, we can buy and sell land virtually in the Metaverse Sandbox, where the land can be an investment and a potential price increase, but behind that it has a risk, namely when this platform goes out of business, it could lose that value. The formulation of the problem in this research is: What is the mechanism for buying and selling land in Sandbox Metaverse? Also, what is the perspective of sharia economic law regarding buying and selling land in Sandbox Metaverse? So this study aims to determine the buying and selling of land in Sandbox Metaverse in the perspective of sharia economic law. This research is included in the type of qualitative research by approaching it with interview techniques, literature and documentation. The data was analyzed through the stages of data reduction, data presentation, then drawing conclusions. Based on the results of this study, the sale and purchase of land in the Sandbox Metaverse, which is then correlated with the theory of sharia economic law and the sale and purchase theory of assets, the sale and purchase has fulfilled the pillars and conditions for the formation of the contract, but the perfecting element in the object of the contract is not fulfilled from a technical point of view so that the contract becomes facades, and land in Sandbox Metaverse are included in intangible assets. Keywords: Sharia Economic Law, Buying and Selling, Metaverse, Sandbox, Virtual Land, Assets

Tinjauan Hukum Islam Tentang Kredit Pemilikan Rumah (Studi Kasus Di Perumahan Puncak Rabbany Mangkurakyat Kecamatan Cilawu Kabupaten Garut) Wati, Ai; Patimah, Sipa Siti
Jurnal Hukum Ekonomi Syariah Vol 2 No 1 (2023): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v2i1.439

With the existence of housing in the Garut area, people prefer to use the mortgage system or by way of credit, so far the provision of Home Ownership Loans is one of the activities of conventional banks that cannot be separated from interest. In the implementation of this mortgage, other units are involved, such as Limited Liability Companies (PT), which provide the location of land for house construction. This is stipulated in the mortgage such as selling prices, down payments, interest rates, monthly installments and other objects that must be paid by the debtor. The problem in this study is how the mechanism of Home Ownership Credit (KPR) in Puncak Rabbany Mangkurakyat Housing, Cilawu District, Garut Regency, and how the Islamic Law Review on KPR in Puncak Rabbany Mangkurakyat Housing, Cilawu District, Garut Regency. The purpose of this study was to learn more about the housing credit system in Puncak Rabbany Mangkurakyat housing in Kec. Cilawu Regency, Garut and analyze Islamic law on mortgages in Puncak Rabbany, Mangkurakyat, Cilawu District, Garut Regency. This research method is field research (filed Reseach) with a qualitative approach. The results showed that KPR was available at Puncak Rabbany Mangkurakyat Housing, Cilawu Regency District. Rabbany Peak Housing offers 2 contracts that consumers can choose from, including the Ijarah Mumtahia bit Tamlik (IMBT) and Al-Istishna' contracts, to the procedures for Rabbany Mangkurakyat Peak Housing, Cilawu Regency District are carried out on credit without any problematic contracts. In general, Sharia mortgages are applied in Garut in a way that is completely in accordance with the idea of mortgages in Islam, including explicit contracts, no interest or tadlis (fraud), no distribution delays, and no application of fines. Keywords: Islamic Law, KPR, IMBT & Al-Istishna

Strategi Pemasaran Keripik Singkong Di Desa Tanjung Jaya Kabupaten Garut (Kajian Hukum Ekonomi Syariah) Wati, Ai; Ajwasyifa, Diani
Jurnal Hukum Ekonomi Syariah Vol 2 No 2 (2023): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v2i2.454

Cassava Chips Entrepreneur is a cassava chip manufacturing business located in a residential area of RW 03, Tanjung Jaya Village, Banjarwangi District, Garut Regency. This entrepreneur in carrying out his business activities has implemented various marketing strategies which include product strategies, pricing strategies, distribution strategies, and promotional strategies. The formulation of the problem in this study is: 1. How is the Marketing Strategy for Buying and Selling Cassava Chips in Tanjung Jaya Village, Garut Regency Viewed from the Perspective of Sharia Economic Law? 2. What factors affect the marketing strategy of buying and selling cassava chips in Tanjung Jaya Village, Garut Regency? and the purpose of this study is to find out how the marketing strategy of buying and selling cassava chips in Tanjung Jaya Village, Garut Regency is viewed from the perspective of Sharia Economic Law and to find out what factors affect the marketing strategy of buying and selling cassava chips, Tanjung Jaya Village, Garut Regency. The research method used in this study is to use field research and qualitative approaches. The results of the study, that in practice it is in accordance with the principles of Sharia economic law, namely the fulfillment of the principle of Muawwanah, the principle of equity where property is not controlled by a group of people, the principle of adamul gharar, the principle of Al Bir At-Taqwa, except the principle of musharakah does not exist because the cassava chip company stands alone. Keywords: Marketing Strategy, Sharia Economic Law Study

Tinjauan Hukum Ekonomi Islam Tentang Praktik Jual Beli Buket Bunga Uang (Studi Kasus Di Kios Balonku Party And Event Organizer Garut) Wati, Ai; Haq, Husni Muhammad Hufadzul
Jurnal Hukum Ekonomi Syariah Vol 2 No 1 (2023): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v2i1.511

This thesis is the result of research on my balloon kiosk where one of the items being sold is a bouquet of money which is real money put in the form of a bouquet which in the end the buyer gives a fee to the seller. This researcher examines the ijarah contract for a bouquet of money with money, where in the transaction here the source is wages for giving money with money, where the seller sells money in the form of a bouquet of money and the buyer receives more money in the form of a bouquet, which is the money in the bouquet can be reused by the buyer as a medium of exchange. If viewed from a religious point of view, the money-bouquet business at my balloon kiosk prohibits excessive fees for services. The problem in this research is how the practice of the ijarah contract for the bouquet of money that occurs at my balloon kiosk and what is the view of Islamic law regarding the ijarah contract for the bouquet of money at my balloon kiosk. This study aims to determine the practice of the ijarah bouquet contract that occurs at the Balonkudan kiosk to find out the views of Islamic law on the ijarah bouquet of money contract at the Balonku kiosk. This type of research is field research using primary data and secondary data. Sources of data in research using observation and interview methods. While the data analysis is descriptive qualitative by using an inductive mindset. The findings or results of this study can be stated that the practice of the ijarah contract for a bouquet of money at the Balonku kiosk is in practice carried out by ordering the product in advance, payment is made at the beginning of the job when ordering the product. Then when the bouquet of money is ready, the seller suggests that the buyer take it himself, because the seller does not want to take the risk if the item is taken away by an irresponsible person. The practice of the ijarah contract for money bouquets that took place at my balloon kiosk is valid, because the fee for this money bouquet service is not more than the money to be made into the bouquet. So the payment of wages to the seller must not exceed the price of the bouquet of money and there must be a consent qabul at the place where the transaction took place before it changed hands. Wages are essentially permissible in Islamic law and must be obeyed and must not violate existing regulations. Keywords – Information Systems, Islamic Boarding Schools, SDLC

Analisis Hukum Islam Tentang Perkembangan Financial Technology (Fintech) Wati, Ai; Padilah, Umi; Setiawan, Deri
Jurnal Hukum Ekonomi Syariah Vol 3 No 1 (2024): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v3i1.896

The emergence of fintech as a necessity in today’s digital era does not contradict Islamic law. Fintech refers to companies that combine financial services with technology. The rapid advancement of technology has contributed to significant developments in the financial sector, which is evident in the rise of fintech. Fintech provides various benefits to society, particularly in financing, such as business capital or the sustainability of their ongoing businesses. This gives rise to key research questions: How does fintech improve societal welfare through modern technology, and what is the Islamic legal perspective on fintech? The objectives of this study are to determine how fintech improves societal welfare through modern technology and to analyze the application of Islamic law to fintech. The research method employed is a qualitative library research approach. Through this qualitative approach, the study examines Islamic legal analysis regarding the development of financial technology (fintech) and its compliance with Sharia economic principles. The findings of this research indicate that, from an Islamic legal perspective, fintech has shown significant developments, and various analyses have been conducted on the application of Sharia principles within this industry. Therefore, this study concludes that fintech does not conflict with Islamic financial principles as long as it adheres to Sharia regulations. Keywords: Islamic Law, Financial Technology

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