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All Journal JURISTA : Jurnal Hukum dan Keadilan Al-Mudharabah
T.Surya Reza
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Religion Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

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ANALYSIS OF THE MECHANISM FOR SETTING THE PRICE OF LOCAL SALT IN THE BAITUSSALAM DISTRICT OF ACEH BESAR REGENCY ACCORDING TO THE ṠAMAN CONCEPT Firdaus, Mirja; Sulfanwandi; T.Surya Reza
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 6 No. 1 (2025): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v6i1.8344

Abstract

This article analyses the mechanism of local salt pricing based on the concept of ṡaman. Local salt pricing in Baitussalam Subdistrict, Aceh Besar Regency, is currently unstable because local salt prices are determined by a combination of supply and demand, as well as other factors, resulting in prices received by farmers being unbalanced and failing to meet the aspects of price stability. From the perspective of the ṡaman concept, the government has the authority to intervene and create standard pricing policies to create price stability. This type of research is qualitative, employing an empirical juridical approach. The data sources were obtained from primary and secondary sources. The primary sources were obtained from interviews with informants. Secondary sources were obtained from studies related to this research. The findings indicate that the price of local salt in Baitussalam Subdistrict does not align with that of farmers and collectors. This is influenced by the abundance of supply and the power of collectors in the bargaining process. In this case, the absence of price standards has resulted in the price of salt for local salt farmers not reflecting the balance between production costs and selling prices. This is not in line with the perspective of ṡaman in fiqh muamalah because of the emergence of value inequality and price instability in salt sales transactions. The local government, through the Trade Office and the Marine and Fisheries Office, needs to reformulate a pricing mechanism that is more equitable and also favours local producers.
ANALYSIS OF MARGIN RATES IN MURABAHAH SMALL BUSINESS CREDIT FINANCING AT BANK ACEH SYARIAH KCP UIN AR-RANIRY BANDA ACEH, INDONESIA Auni Alwafi; T.Surya Reza
JURISTA: Jurnal Hukum dan Keadilan Vol. 9 No. 2 (2025): JURISTA: Jurnal Hukum dan Keadilan
Publisher : Centre for Adat and Legal Studies of Aceh Province (CeFALSAP)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jurista.v9i2.310

Abstract

This study aims to analyse the effect of financing tenure on the determination of margin rates in the murabahah financing scheme for the People’s Business Credit (KUR) product at Bank Aceh Syariah KCP UIN Ar-Raniry, as well as to examine its legal implications from the perspective of Islamic economic law. The research employs a normative-empirical approach with a qualitative descriptive method. Primary data were collected through interviews with credit analysts at Bank Aceh Syariah, while secondary data were obtained from official documents, legal literature, and Islamic banking regulations. The findings indicate that the financing margin rate increases proportionally with the length of the financing period as compensation for the bank’s risk; however, margin determination is conducted internally, with limited room for customer negotiation. Furthermore, the determination of financing tenure has not fully considered the customers' ability in a participatory manner, which potentially leads to injustice in the murabahah contract. Islamic economic law emphasises the importance of justice (ʿadl), transparency of information, and mutual consent (tarāḍin) to ensure that financing contracts comply with the maqāṣid al-sharī‘ah. This study recommends enhancing transparency and customer involvement in the margin and tenure determination process to ensure that Islamic financing operates effectively and benefits all parties involved.
Co-Authors Auni Alwafi Firdaus, Mirja Sulfanwandi