Umi Khusnul Khotimah
Institut Ilmu Al Quran Jakarta

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ONLINE BUYING AND SELLING FROM THE PERSPECTIVE OF MAQASID SHARIAH Umi Khusnul Khotimah
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 2 (2023): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v5i2.595

Abstract

Maqasid Syariah encourages the economic empowerment of Muslims. Online buying and selling transactions can provide opportunities for Muslim entrepreneurs to develop and compete in the global market, thereby achieving this goal of economic empowerment. Overall, online buying and selling transactions can be a means to achieve the goals of Maqasid Syariah, as long as they are carried out with integrity, fairness and comply with the principles of Islamic law. Good online business practices must align with Islamic values ​​and moral goals and contribute to the overall welfare of society. Research focus The online buying and selling transaction process is seen from Maqasid sharia. Research Method This research is a qualitative descriptive research. In this qualitative descriptive research, researchers here use library research to look for information through books, magazines, newspapers and other literature to form a theoretical basis. This research is also to examine written sources such as scientific journals, reference books, literature, encyclopedias, scientific essays, scientific works and other sources either in written form or in digital format that are relevant and related to the object being researched. The object of this research study is in the form of texts or writings that describe and explain the online shop business/enterprise that is mushrooming in Indonesia. The results of this research are 1) maintaining religion, in online buying and selling transactions you must have good intentions and the goods being sold match the picture and what was sent. 2) Maintain Product Quality Ensure that the product or service you purchase is safe to use. When possible, read reviews and do research on the product, especially if it concerns health and safety. Dangerous Product Monitoring If you sell products or services that could impact consumer health or safety, ensure they meet applicable safety and regulatory requirements. Respect for Consumer Rights Make sure you understand consumer rights in online transactions, including the right to return defective or unsuitable goods. Make sure that sellers respect these rights. 3) maintain common sense, avoid rash actions, don't rush to make decisions. If you feel pressured or pushed to make a transaction immediately, you should be careful and consider your decision carefully. 4) maintaining lineage Maintaining lineage (descendants) in online buying and selling transactions refers to the practice of maintaining business relationships with integrity and honesty as well as upholding moral and ethical principles in all aspects of online business. 5) maintain honest assets towards oneself and the goods being sold.
Pengaruh Pembiayaan Murâbahah Dan Mudhârabah Terhadap Kesejahteraan Nasabah (Studi Kasus Pada Bank Syariah Indonesia KCP BSD Tangerang Selatan) Aam Ridwan; Umi Khusnul Khotimah; Hidayat
FIQHUL HADITS : Jurnal Kajian Hadits dan Hukum Islam Vol 2 No 1 (2024): FIQHUL HADITS: Jurnal Kajian Hadits dan Hukum Islam
Publisher : Ma'had Aly PP. Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66090/fiqhulhadits.v2i1.11

Abstract

At this time there are not a few banks that carry out activities conventionally or based on sharia principles. Currently the development of the Islamic financial market (Financial Market Sharia) is rife in the world, especially in countries with a majority Muslim population. This was marked by the establishment of the Islamic Financial Market in Kuala Lumpur which was pioneered by Islamic countries. The progress of the Sharia Financial Market in Indonesia, especially in Islamic banking and insurance is quite significant, followed by the Islamic capital market and pawnshops. Many financing contracts are carried out in the practice of Islamic financial institutions, for example murabahah, mudharabah, ijarah, musyarakah and so on. In this thesis the authors focus on murabaha and mudharabah financing.The design used in this study is a correlational analysis design (a problem to find a relationship between two phenomena) precisely causal correlation. Data collection uses research instruments, data analysis is quantitative/statistical. The primary data used in this study are 132 customers who received financing according to the criteria and the secondary data in this study are in the form of documents and archives at Bank Syariah Indonesia which contain reports on customer funds that carry out murabaha and mudharabah financing. The sampling technique in this study used purposive sampling, which is a method of determining respondents to be sampled based on certain criteria. Based on the results of data analysis with the help of the SPSS 26.0 program, research that has been conducted at Bank Syariah Indonesia KCP BSD Tangerang using linear regression analysis through SPSS program data processing shows that, (1) There is an effect of Murabahah financing on the welfare of customers of Bank Syariah Indonesia KCP BSD Tangerang. The statistical test results showed that Fcount = 27,898 at db 1 and 94 was 3.94 at the 5% level. Based on the explanation above, 27,898 > 3.94 at the 5% level, so H0 is rejected, meaning that there is an influence of Murabahah financing on customer welfare of Mandiri Syariah Bank KCP Tangerang, (2) There is an influence of Mudharabah financing on the welfare of customers of Bank Syariah Indonesia KCP BSD Tangerang. The statistical test results showed that Fcount = 15.048 at db 1 and 34 was 4.13 at the 5% leve