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Nur Jamaludin
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Islaminomics: Journal of Islamic Economics, Business and Finance
Published by Sekolah Tinggi Ekonomi Syariah Islamic Village
ISSN : 20879202     EISSN : 26846772     DOI : 10.47903/ji.v10i2
Core Subject : Economy,
Economics, Econometrics & Finance
Aims and Scope The islaminomics: Journal of Islamic Economics, Business, and Finance publishes quality and valuable articles on current issues within Islamic economics, business and entrepreneurship as well as finance. This Journal welcomes and invites researchers to publish their studies here in related to empirical works, and development theory studies or best practices on the above areas. In detail this journal covers broad issues of Islamic Economics, business and finance but be limited to: Islamic Finance: Fundamentals, trends and opportunities in Islamic Finance The development of akad (contract) in Islamic finance The proposed models of financial instruments Islamic banking and financial markets Sukuk and equity and all products of Islamic finance Risk management Corporate finance Investment strategy Islamic social finance (zakat, awqaf atc) Financial planning Housing finance Legal and regulatory issues etc Islamic Business, Management and Entrepreneurship: The Islamic Business way, model, ethics and values Good Corporate Governance Corporate Culture in Islamic Perspective The implementation of service quality and the impacts The Islamic corporate social responsibility and its implications on business Management styles and strategies in Shariah Frame Work The development of Islamic entrepreneurship theory Islamic Ethics in business way Islamic Economics: The fundaments of Islamic Economics The Development of Islamic Economics Theories Islamic values/principles of Islamic Economics Labor and welfare economics in Islamic Economic Political economy in the frame works of Islamic Frame Work The Economics of Zakat Third Sector Economy Comparation of Economic System The implementations of Islamic principles in Consumption and soon etc The journal is the only title aiming to give an interdisciplinary and holistic view on Islamic finance and business management practices in order to inform these two intertwined communities.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 112 Documents
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Sistem Transaksi Murabahah Bil ‘Urbuun dan Pertanggungjawaban Risiko terhadap Redistribusi Tanah Land Reform Ditinjau Etika Bisnis Islam Idhar Idhar
ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE Vol 13, No 1 (2023): ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE
Publisher : STES Islamic Village

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47903/islaminomics.v13i1.218

Abstract

The emergence of the Murabahah bil 'Urbuun transaction system in land reform land redistribution can be attributed to the accommodation provided for the transaction process in Ministerial Regulation No. 224 of 1961, which pertains to the implementation of land distribution and compensation provisions, and the issuance of DSN MUI Fatwa No. 04/DSN-MUI/IV/2000 on murabahah. The Murabahah bil 'Urbuun system comprises the first two components of Al Bai Al Muajjal, involving the sale and purchase of payments made in a deferred manner, and Al Bai Bi At-Taqsith, which encompasses buying and selling with payments made in installments or gradually. This arrangement has resulted in the accumulation and concentration of land ownership among a group of urban residents, including traders, private employees, and civil servants, leading to excessive land ownership redistribution. Motivated by this background, this study seeks to examine the Murabahah bil 'Urbuun transaction system and the risk accountability associated with land reform land redistribution from the perspective of Islamic economic ethics. The research adopts a juridical empirical approach using descriptive analysis and employs field study methods, including interviews and observations, with a deductive data analysis approach. The study's findings indicate that the Murabahah bil 'Urbuun transaction system and the risk accountability in land reform land redistribution are grounded in Islamic normative foundations such as unity, justice, freedom, and responsibility, guided by the five principles of muamalah, namely: la yakun dawlatan bayn al-agniya (avoiding concentration of wealth), 'antaradine (interdependence), tabadul al-manafi' (exchange of benefits), takaful al-ijtima' (social solidarity), and haq al-lah wa hal al-adami (balance between divine rights and human rights). This research contributes to a better understanding of the Murabahah bil 'Urbuun transaction system's implications in the context of land reform land redistribution and provides insights into the risk accountability aspects from the perspective of Islamic economic ethics. By shedding light on the ethical considerations in such transactions, this study may aid policymakers and stakeholders in formulating more equitable and responsible land redistribution strategies in line with Islamic principles.
Implementasi Pembiayaan KUR dengan Akad Murabahah Bil Wakalah Pada Bank Syariah Indonesia Karawaci Tangerang: Tinjauan Fatwa DSN-MUI NO.04/DSN-MUI/IV/2000 tentang Murabahah Abdul Rachman; Widi Astuti
ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE Vol 13, No 1 (2023): ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE
Publisher : STES Islamic Village

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47903/islaminomics.v13i1.235

Abstract

This research undertakes an in-depth investigation into the implementation of People's Business Credit (KUR) financing and the suitability of the Murabahah bil Wakalah contract applied to KUR financing products at Bank BSI KCP Tangerang Karawaci Mutiara. The study aims to assess the adherence to the principles laid out in DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 on Murabahah. Employing a qualitative descriptive methodology, with a field research approach and juridical-normative analysis, the research scrutinizes the relevant fatwa and regulatory provisions related to the examined matter. Data collection is facilitated through interviews, observations, and documentation of pertinent literature, including books, journals, and official documents pertaining to the research subject. The findings reveal that during the execution of the Murabahah bil Wakalah contract in KUR financing, the goods involved were not yet under the ownership of Bank BSI KCP Tangerang Karawaci Mutiara. Instead, the customers, acting as agents for the bank, completed the purchase of the goods only after simultaneous signing of both the Murabahah and Wakalah contracts. Consequently, the goods were not under the bank's ownership at the time of contract execution. Moreover, the research demonstrates overall compliance with DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 on Murabahah in the application of the Murabahah bil Wakalah contract in KUR financing products. Nevertheless, certain inconsistencies were identified in the execution of the first provision, specifically point nine, wherein the Murabahah and Wakalah contracts were conducted jointly before the customers made their purchases as agents for the bank. This practice was justified to optimize time efficiency and enhance convenience for the customers. This research suggests to the successful implementation of KUR financing utilizing the Murabahah bil Wakalah contract at Bank BSI KCP Tangerang Karawaci Mutiara necessitates more robust control measures regarding the ownership status of goods at the time of contract execution

Page 12 of 12 | Total Record : 112

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