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Justisia Ekonomika
ISSN : 25985043     EISSN : 2614865X     DOI : https://doi.org/10.30651/justeko.v7i2
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Articles 24 Documents
Search results for , issue "Vol 5 No 2 (2021)" : 24 Documents clear
ANALISIS PROBLEMATIKA SIDE STREAMING PADA PEMBIAYAAN MURABAHAH BIL WAKALAH DI PERBANKAN SYARIAH Ismawati Khasanah; Mauliana Fauziyah
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 5 No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v5i2.10852

Abstract

Murabaha financing is a superior product in Islamic banking which is included in buying and selling contracts. After experiencing the development and modification of murabahah financing, it is now better known as murabahah bil wakalah. The purpose of this study is to find out the problems that exist in the murabahah bil wakalah contract, namely the occurrence of side streaming actions. This study uses a qualitative method with a literature study where data are taken from sources derived from literature such as books, articles, and other sources. Murabahah bil wakalah contract is a sale and purchase contract in which the Islamic bank gives power or represents to the customer to purchase the object of self-financing from the supplier. With the power granted this creates some problems that can damage or invalidate the contract, such as side streaming actions. Side streaming is an act of using funds that is not in accordance with the contract,  so this action is considered a form of deviation and includes a fake contract. Customers tend to be more flexible in buying the desired goods, such as on behalf of the buyer from the supplier, not on behalf of the bank. Other side streaming actions can be in the form of price differences that have been agreed upon, and cause non-performing financing and a decrease in the collectability of Islamic banks.Keywords: Murabahah bil Wakalah, Side Streaming, Islamic Banking 
Tinjauan Ekonomi Islam Sebagi Solusi Krisis Ekonomi Di Era Pandemi Covid 19 Moh Efendi Efendi
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 5 No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v5i2.8377

Abstract

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METODE ISTINBATH DALAM USHUL FIQH STUDI KASUS : AYAT-AYAT EKONOMI izzah, siti nailul
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 5 No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v5i2.7731

Abstract

Method Istinbath is one of the methods of digging the law in ushul fiqh. Where the method of istinbath is used to draw the law from the Qur'an and Sunnah by way of ijtihad. Then this method is associated with economics which is a form of human responsibility as a caliph to create a balance in life to be maintained. The ever -growing economy makes Muslims need guidance in digging or establishing a law. The source of this method is from the arguments of the Qur'an and Sunnah which are seen in terms of language, in terms of the purpose (maqasid) of sharia and in terms of resolving conflicting arguments. In this research focuses onlaw through linguistic terms with the approach of lafadz (exploring thethuruq lafdziyah) and the approach of meaning (thuruq maknawiyah). The approach of lafadz (thuruq lafdiyah) is divided into 4 (four) types: lafadz seen from the scope or meaning created, lafadz seen from the side of use of meaning, lafadz seen from the clear side or not in showing a meaning, and lafadz seen from the way it expresses a meaning.
Tinjauan Ekonomi Islam Sebagi Solusi Krisis Ekonomi Di Era Pandemi Covid 19 Efendi, Moh Efendi
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 5 No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v5i2.8377

Abstract

iya
OPTIMALISASI FUNGSI DAN KEDUDUKAN BANK SYARIAH DALAM UPAYA MEWUJUDKAN INTEGRASI ISLAMIC SOCIAL FINANCE DAN ISLAMIC COMMERICIAL FINANCE Fauziah, Salma
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 5 No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v5i2.8822

Abstract

Bank syariah dalam menjalankan kegiatan usahanya tidak hanya berfokus pada aspek komersial atau mencari keuntungan semata, akan tetapi juga diimbangi dengan fungsi sosial sebagaimana telah diamanatkan dalam Undang-Undang Perbankan Syariah yaitu sebagai penghimpun dan penyalur dana zakat, infaq, sedekah dan wakaf (ziswaf). Hal ini dilakukan juga sebagai upaya mengintegrasikan keuangan komersial dan sosial Islam. Dalam praktiknya, banyak bank syariah yang telah menjalankan fungsi sosialnya, namun sayangnya belum dapat dilakukan secara optimal. Padahal Indonesia sendiri memiliki potensi yang sangat besar dalam hal pengelolaan dana ziswaf. Metode pendekatan yang digunakan dalam penulisan ini bersifat yuridis normatif, yaitu penelitian yang menggunakan data sekunder yang terdiri dari bahan hukum sekunder maupun studi kepustakaan yang kemudian dianalisis secara yuridis kualitatif. Untuk spesifikasi penelitian tulisan ini bersifat deksriptif analitis. Hasil penelitian menunjukkan bahwa bank syariah pada dasarnya memiliki fungsi dan kedudukan yang bersifat sosial dalam mengumpulkan dana ziswaf. Pelaksanaan fungsi sosial tidak hanya terkait dengan ketentuan yang ada di dalam Undang-Undang Perbankan Syariah, akan tetapi juga tunduk pada peraturan mengenai zakat dan wakaf. Dalam upaya mengoptimalkan fungsi dan kedudukan sosialnya, bank syariah dapat melakukan beberapa strategi seperti penguatan regulasi dan pengawasan, kolaborasi dengan lembaga pengelola ziswaf, serta menciptakan produk yang inovatif.
Sistem Penggajian Berorientasi Ijarah Arifin, Mohammad
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 5 No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v5i2.9357

Abstract

What is meant by the implementation of the ijarah principle in the payroll system is a study of the analysis of the existing theory to determine a payroll system with a work agreement in accordance with the ijarah principle or sharia economic law. A job carried out by an entrepreneur or company and an institution that cooperates or employs a worker or employee must of course remain within the corridor of sharia economic law by conducting ijarah contract transactions whose objects and forms of work are required in accordance with the recommendations of the Qur'an and Al-Hadith.
Analisis Fikih Aktual dan Hipotesis Atas Eksposisi Eksistensi Artificial Intelligence dalam Transaksi Hidayat, Rahmat
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 5 No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v5i2.10340

Abstract

This study aims to determine Islamic law on AI (artificial intelligence) in transactions. In this era, AI has entered into various sectors of commerce. Many large companies have used AI in various functions and roles.  So it is necessary to study the legal impact of AI in transaction. This research uses a normative method with a conceptual approach. In transactions, weak AI has occupied at least three positions out of four possible positions, as objects, tools and limited agent. Meanwhile, strong AI, which occupies a position as an independent entity, does not yet exist at this time. At least three positions can be measured actually and one position can be measured hypothetically. Weak AI as objects, tools and limited agent is punished by rules related to its position. But in general, the blame for the AI in these three positions lies with the provider and not the AI itself. Meanwhile, AI as an independent entity, if it is analogous to the general rules of transactions, then all the consequences of his wrongful actions will be charged to him. Because the error is the result of the ability of think independently. The punishment that can be applied is punishment within the scope of ta'zir that is adjusted to government regulations as well as scientific research on the limits of AI intelligence.
IMPLEMENTATION OF QAWA’ID FIQHIYYAH MU’AMALAH كُلُّ قَرْضٍ جَرَّ نَفْعًا فَهُوَ رِبَا حَرَمٌ ON AL- QARDHU AL- HASAN PRODUCTS IN SYARI’AH BANKING Basyirah, Luthfiana
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 5 No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v5i2.10610

Abstract

The source of Islamic law does not only come from the Al-Qur'an and Hadith, but also in ijma ', qiyas, istihsan, maslahah mursalah, istishab,' urf, syar'u man qablana, sadd asy-syari'ah. In addition, there is also an important foundation, namely qawa'id fiqhiyyah which serves as the basis for the formation of an Islamic law. Qawa'id fiqhiyyah is one of the laws that is universal and can be implemented in all its parts, so that it can be identified as the smallest part of a law. The main objectives of this study are to determine the relationship between qawa'id fiqhiyyah and Islamic banking, the implementation of qawa'id fiqhiyyah كُلُّ قَرْضٍ جَرَّ نَفْعًا فَهُوَ رِبَا حَرَمٌ  in al-qardhu al-hasan products in Islamic banking. This research uses a qualitative approach with descriptive research type. The results of the study state that: first, there is a link between qawa'id fiqhiyyah and Islamic banking because it functions to analyze the actual problem by establishing a law of various complex problems. Second, the implementation of qawa'id fiqhiyyah كُلُّ قَرْضٍ جَرَّ نَفْعًا فَهُوَ رِبَا حَرَمٌ  on al-qardhu al-hasan products is a good thing by eliminating the benefits of the product with a tathawwu 'contract or mutual assistance agreement, not a commercial transaction.
INVESTASI KAS MASJID DALAM PERSPEKTIF SADD DAN FATH AL-DZARI’AH kurniawan, amin kurniawan; Ghozali, Muhammad Lathoif
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 5 No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v5i2.10685

Abstract

Islamic economic and financial resources have enormous potential to contribute to the nation's economic development. Until now, Muslims have not been able to manage and empower it appropriately and professionally. For this reason, investing the mosque's cash is an alternative solution in its management. This article will discuss the mosque's cash investment activities which were analyzed using Sadd al-Dzari'ah and Fath al-Dzari'ah. This research is library research, with qualitative method through Usul Fiqh approach. Data analysis techniques in the form of data reduction, data presentation, and drawing conclusions. Based on the results of the analysis of the al-Dzari'ah concept, the mosque's cash investment activity brings far greater benefits than its benefits, so it is necessary to open the faucet as wide as possible based on the Fath al-Dzariah concept. On the other hand, there were irregularities and misuse of mosque cash which required the precautionary principle by applying the Sadd al-Dzariah concept. By managing mosque cash as an economic asset for the people properly, appropriately and professionally through investment, it is one of the roles that can be given by Muslims in contributing to improving the welfare and development of the nation.
KEPASTIAN HUKUM STATUS KEPEMILIKAN TANAH RUMAH SUSUN PERSPEKTIF HUKUM EKONOMI SYARIAH Syahputra, Dzulkarnain Alghafuru
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 5 No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v5i2.10690

Abstract

The developer of the apartment is allowed to sell the apartment unit that has not been completed after fulfilling the requirements and obligations as regulated in Article 43 paragraph (2) of the Flats Law. This study aims to analyze and find the accuracy of using Article 378 of the Criminal Code to adjudicate violations of Article 43 paragraph (2) of the Flats Law related to the certainty of land ownership status as the basis for making PPJB and criminal responsibility for notaries against the occurrence of criminal acts in the deed he made related to with the principle of prudence of a notary in carrying out his office. The research method used in this study is normative juridical law research, the approach method used is the statutory regulation approach and the conceptual approach as well as the case approach. From the results of the research and discussion, it can be concluded first: the use of Article 378 of the Criminal Code which is applied to violations of Article 43 paragraph (2) of the Flats Law is inappropriate. The appropriate article for the violation is Article 110 of the Flats Law. Second: For criminal acts that are contained in a notary deed, it can cause the notary to be held criminally responsible for participating in helping the occurrence of a crime. In Sharia Economic Law, land ownership in flats includes haq al-jiwar which is included in the realm of al-irtifaq rights, where every occupant of the flat is entitled to the land where the house they live in is built. Therefore, the use of land should be by mutual agreement of all occupants or owners of the flat. If there is a violation of shared land use, sharia economic law does not clearly state the sanctions, but according to the author, sanctions in such land use violations are more related to tahzir punishments (orders) only, and do not reach the realm of Islamic criminality (hudud).Keywords: flats, violation, criminal, Haq al-Irtifaq. 

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