cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
-
Contact Email
-
Phone
-
Journal Mail Official
-
Editorial Address
-
Location
Kota surabaya,
Jawa timur
INDONESIA
Justisia Ekonomika
Published by Universitas Muhammadiyah Surabaya
ISSN : 25985043     EISSN : 2614865X     DOI : https://doi.org/10.30651/justeko.v7i2
Core Subject :
Arjuna Subject : -
Articles 362 Documents
 19   20   21   22   23 
Sengketa Akad Murabahah Pada Bank Muamalat Tbk. Kantor Cabang Darmo Surabaya Menurut Perspektif Hukum Ekonomi Syariah Bunayan, Hujaidi
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2 No 1 (2018): Jurnal Justisia Ekonomika
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i1.1693

Abstract

 One of the concepts of fiqh muamalah which is widely practiced by Islamic banking is akad (agreement) murabaha trading. Akad is much in demand by sharia banking due to security factors and the lack of risk for Islamic banks than mudlarabah and musharaka contracts. Murabahah is a type of trading with the determinatin that are more specific than general trading. Murabaha is a part of sharia banking products. There are dispute between  the bank and its  custumers, there shall be alternatives to the dispute over the dispute. To the parties to the dispute may settle concensus  deliberation, thourgh dispute settlement institutions or through ligition proceedings within the courts set forth in the dispute resolution clause. Based on the background of the above problem, it can be formulated the problem  will be identified as follows (1)  How to dispute murabaha agrement on Bank Muamalat according to the perspektive of sharia economic law ? (2) How to settle Aqad (agreement) Murabaha dispute with Bank Muamalat Tbk. Darmo, Surabaya Branch Office ?The research method used in this research is normative juridical method with 2 (two) variants approach that is statute approach and conceptual approach. Source of data used are primary data covering material of primary law, secondary and tertiary.This study aimed to (1) analyze the dispute of aqad (agreement) murabaha at the Bank Muamalat according to the perspektive of sharia economic law; and (2) analyze and find the form settlement of aqad murabahah dispute in Bank Muamalat Tbk. Darmo, Surabaya Branc Office. This research is expected  to cuntribute thought or provide solutions in the field of law related to the application of Adaq Murabahah in  sharia banking institutions in Indinesia through theoretical analytics, be it from philosophical and sociological revew is expected to provide legal protection for customer  and Bank Muamalat Tbk. Darmo Surabaya branch office.The results of this study indicate that the findings of the murabahah dispute agreement at the Bank Muamalat Branch Office Darmo Surabaya according to the perspective of sharia economic law caused by the control of the business aspects of the contract. Settlement of Aqad Murabahah dispute with Bank Muamalat Tbk. Darmo Surabaya branch office is conducted by Settlement of dispute through litigation and non-litigation. The completion of disputes with litigation is done through the religious courts. The final result of a dispute completion through litigation is a verdict that states a win-lose solution. Non- completion can be identified by alternative dispute resolution (ADR) with arbitration, negotiation, mediation, conciliation, expert judgment and fact finding.The research method used in this research is normative juridical method with 2 (two) variants approach that is statuce approach and conceptual approach. Sources of data used are primary data that is literature data covering material of primary law, secondary and tertiary. Keywords : Akad, Dispute, Murabahah.
Transaksi Jual Beli On-Line Melalui Media Instagram @PPSSHOP88 dengan Akad Salam Sulistyowati, Ike Nuryanti
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2 No 1 (2018): Jurnal Justisia Ekonomika
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i1.1694

Abstract

 Dalam transaksi muamalah yang modern ini muncul perkembangan teknologi yang baru, jual beli online bisa dilakukan melalui media instagram @ppshop88. Karena pengaruh teknologi tersebut maka dianggap penting untuk mengkaji lebih lanjut terkait praktik jual beli on line tersebut berikut keabsahan akadnya.  Ini merupakan penelitian hukum deskriptif, pengumpulan data dilakukan dengan cara mengkaji pustaka tentang jual beli online kemudian dianalisis dengan cara pemeriksaan data, klasifikasi data dan analisis data. Hasil penelitiannya menggambarkan: 1)  praktik jual beli online melalui media instagram @ppsshop dilakukan pada awalnya membuka profil instagram, dilanjutkan dengan melihat produk-produk yang ditawarkan 2) Jual beli online adalah mubah (boleh), rukun dan syarat jual beli online tidak bertentangan dengan rukun dan syarat dalam sistem hukum perikatan Islam. 3) Transaksi jual beli online akad salam sesuai dengan Fatwa DSN MUI No 05/DSN-MUI/IV/2000 tentang Jual Beli Salam, dikarenakan dalam akad tersebut tidak menyalahi aturan syariat yang ada, sehingga kedepannya adanya Fatwa tersebut harus diakui keberadaannya dan diimplementasikan dalam kegiatan ekonomi yang dimaksud. Kata kunci: Jual Beli On Line, Media Instagram, Akad Salam
Akad Qordhul Hasan Sebagai Strategi Baznas Jatim Dalam Mengoptimalisasikan Dana Zakat Untuk Pemberdayaan Ummat Munir, Mohammad
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2 No 1 (2018): Jurnal Justisia Ekonomika
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i1.1695

Abstract

              The formulation of the research problem in this thesis can be described as follows: First, How is the strategy of Baznas East Java in optimizing the zakat fund, second, How is the implementation of Qordhul Hasan in Baznas East Java, the third is the qordhul Hasan agreement in accordance with the fatwa Number: 19 / DSN-MUI / IV / 2001.             This qualitative research approach is research using explorative research method and descriptive research method. Data collection method is by interview with snowball technique, observation, documentation and literature study through several book and internet sources, hence the result of research finding of Baznas East Java in optimizing zakat fund there are five programs that is East Java Smart, East Java Healthy, East Java Devotion, East Java is prosperous and East Java cares. The empowerment of zakat makes the mustahik have the power of the development of resources of the community in the form of creativity, competence and thinking power considering the economic growth and technology so rapidly will greatly affect the ability of each individual in fulfilling the needs of his life then with prosperous Java Baznas program includes the aid of work tools, work in collaboration with BLK and Cooperation services provide the skills of UMKM and revolving capital assistance that partner with or work together with mosque board, Reading Qur’an community and county Baznas who know the condition of the mustahik by making a letter of application and ready to be surveyed to pilgrims who will get capital assistance. The procedure is that the aid will be handed over to the mosque administrator, reading Qur’an community and the county Baznas for the next of the same committee is handed over to mustahik who is well worthy of receiving assistance.        The result of the research showed that Eat Java Baznas is in accordance with the fatwa Number: 19 / DSN-MUI / IV / 2001 which reads "That one of the means of economic improvement that can be done by LKS / BAZNAS is channeling funds through Al-Qordh principle, to the customer or mustahik provided that the client / mustahik is obliged to return the funds received in accordance with the agreement. If the Client / Mustahik cannot refund part or all of his liability for his / her inability then may extend the repayment period or partially off or off his / her liabilities. Keywords: Qordhul Hasan Agreement, Strategy, Optimize, Zakat Empowerment  
Penerapan Manajemen Risiko Kredit Pada Pembiayaan Syariah di Koperasi As Sakinah Sidoarjo Laila, Nur
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2 No 1 (2018): Jurnal Justisia Ekonomika
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i1.1696

Abstract

Credit risk is one of the most frequent risks in tough financing such as on financing using ijarah and murabahah contracts in Sharia financial institutions. The reason is due to mistakes in the analysis of financing applications and lack of cooperative readiness in managing and anticipating the possibility of risk exposure in the institution. In other hand, sharia cooperatives follow the principle of lost and profit sharing that requires a careful cooperative in managing their business in order to achieve the expected profit target.As Sakinah Cooperation Sidoarjo which has been operating for 19 years only experienced credit risk less than 1%. Therefore, this study is aimed to firstly understand and describe to what extent the implementation of risk management in sharia financing in As Sakinah Cooperation Sidoarjo is, and secondly, to understand and describe the credit risk settlement scheme that occurs in sharia financing in As Sakinah Cooperation Sidoarjo.This research used qualitative method, using a case study approach. Data are collected through interview technique at main source and documents and regulation of the cooperation as secondary data source. The data were analyzed through 3 (three) steps. They are data deduction, data display and conclusion and verification.The results show that the role of the group and the joint responsibility system become the key in reducing credit risk Keywords: management, risk, credit, Ijarah, Murabahah.
Manajemen Risiko Pada Pembiayaan Mudharabah di Bank Syariah Pamekasan (Studi Atas Bank Perkreditan Syariah) Samsuri, Rafi
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2 No 1 (2018): Jurnal Justisia Ekonomika
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i1.1697

Abstract

This thesis intends to reveal empirically about the implementation of management to overcome the risk of loss in distributing mudharabah financing in Sharia Credits Banking Bhakti Sumekar Pamekasan. In this study, the authors focused on the subject matter which is how sahib al-mal in Bhakti Sumekar Pamekasan minimized the risk in mudharabah financing, with the aim to explain and analyze the management system used in controlling the risk of mudharabah financing.Overall, this anaysis was conducted based on data and information obtained in the field through interviews, sessions of various relevant documentation, and through direct observation activities. To analyze these problems, the authors used the method of comparative-explorative descriptive approach as a means of analysis. From the results of the existing analysis, it can be concluded that the risk of measurement system in distributing mudharabah financing in Sharia Banking Bhakti Sumekar Pamekasan was measuring the risk of the type of project finance; whether it had high risk, high failure , or have minimal failure or minimal risk. Risk measurement was also done by looking at the internal condition of the company either from aspects of management, marketing, technical production, or financial data in the form of cash flow. The monitoring or monitoring system used by Sharia Banking Bhakti Pamekasan in distributing mudharabah financing were two patterns (1) on desk monitoring or supervision of administrative data, and (2) on site monitoring that directly go to the business location mudarib or inspection on the spot.  Keywords: Financing, Akad Mudharabah, Risk Menejement
Strategi Perbankan Syariah Dalam Menghadapi Pembiayaan Dengan Akad Mudharabah Yang Bermasalah (Studi di Bri Syariah Pamekasan) Arifin, Samsul
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2 No 1 (2018): Jurnal Justisia Ekonomika
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i1.1698

Abstract

   Islamic banking has a main function to distribute funds to the community in need in the form of financing. Financing is a large part of the assets of sharia banks that must be maintained in term of quality. Financing is one of the functions of sharia banks by distributing funds to the community in need (user of funds). One of the contracts used by sharia banks in distributing funds in the form of financing is mudharabah contract. The mudharabah contract is a profit-sharing agreement when the shohibul mall /rabbul mall provides capital (100 percent) to mudharib, to engage in productive activities in which the profit generated will be divided among them according to the agreement specified in the contract.This study is aimed to know and understand how the application of mudaraba contracts and banking strategies in overcoming a financing with mudaraba contracts that are problematic, and to know and understand whether the applied strategy is in accordance with the Fatwa (policies) of DSN MUI.The method used in this research is descriptive qualitative research method or naturalistic research because the research is done on natural condition (natural setting). This descriptive qualitative research method is used to get in-depth data, a data that contains meaning.The findings of the research done in BRI Syariah Pamekasan in facing the financing problems with the mudharabah contract, found two problems. First, the problem arising from the internal banking itself, this problem occurs when BRI Syraiah employees do not run the SOP (procedures) that has been set. Second problem is the external factor of banking. This problem occurs because mudharib/ fund manager has moral hazard. For example, by not using the funds for productive business but used for consumptive costs.Efforts done by BRI Syariah Pamekasan dealing with mudharabah financing problem is by using two approaches. First, the pre-customer approach. This approach focuses on selecting prospective customers both in terms of behavior/ character and business run. Second, the post-customer approach. This approach is carried out when the financing has been distributed to customers and experiencing non-performing financing. This is done by monitoring and restructuring Keywords: Financing, mudharabah contract, banking strategy.
Kerjasama Sistem Bagi Hasil Dalam Pengelolaan Lahan Buah Naga bandi, Su; Swadjaja, Isma
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2 No 2 (2018)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i2.2475

Abstract

Abstrak Dalam kegiatan kerjasama bagi hasil lahan pertanian dikenal dengan istilah mukhabarah dan muzara’ah. Perjanjian kerjasama bagi hasil seharusnya dicatatkan menurut hukum yang berlaku supaya saling mengikat dan tidak menimbulkan adanya kecurangan dari salah satu pihak. Kecurangan tersebut dapat menimbulkan pelanggaran/pengkhianatan perjanjian kerjasama sehingga memperkarakan di Pengadilan Agama sebagaimana yang telah terjadi di Pengadilan Agama Banyuwangi dalam Perkara Nomor 3252/Pdt.G/2016/PA.Bwi. Penelitian ini merupakan penelitian hukum deskriptif yang dimaksudkan untuk menggambarkan secara sistematis dasar gugatan perkara Ekonomi Syariah di Pengadilan Agama Banyuwangi pada tahun 2016. Pengumpulan data dilakukan dengan cara mengkaji berkas gugatan, perdamaian serta penetapan Majelis Hakim yang kemudian dianalisis dengan sistem hukum ekonomi syariah (peraturan perundang-undangan maupun sumber hukum islam). Analisis data dilakukan dengan cara pemeriksaan data, klasifikasi data, penarikan kesimpulan dan analisis data. Hasil dari penulisan tesis ini, menunjukkan bahwa: 1. Dasar gugatan perkara 3252/Pdt.G/2016/PA.Bwi karena adanya pengingkaran atau penghianatan salah satu pihak yaitu pemilik lahan yang merasa cemburu terhadap pengelola lahan (penggarap) terkait panenan buah naga pada musim panen pertama. Yang kemudian pemilik lahan mau mengambil alih objek muzara’ah tanpa persetujuan penggarap lahan. 2. Proses mediasi yang dilaksanakan dalam perkara Nomor 3252/Pdt.G/2016/PA.Bwi) dilakukan berdasarkan prosedur PERMA No 1 tahun 2016 tentang Prosedur Mediasi. Dan hasil dari pada proses mediasi tersebut telah Berhasil Mencapai Kesepakatan (kesepakatan tertulis). 3. Produk hukum dari Pengadilan Agama Banyuwangi dalam perkara Nomor 3252/Pdt.G/2016/PA.Bwi berupa Penetapan pencabutan perkara. Seharusnya produk hukum yang dikeluarkan adalah berupa Putusan Perdamaian karena perkara ini berawal dari sebuah sengketa yang kemudian berhasil damai berdasarkan kesepakatan tertentu.  Kata Kunci: Muzara’ah, Perkara Nomor 3252/Pdt.G/2016/PA.Bwi, Pengadilan Agama Banyuwangi.
Analisis Hukum Penyelesaian Sengketa Murabahah di Pengadilan Agama Zahra, Afifi Tita; Naim, Muhammad
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2 No 2 (2018)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i2.2476

Abstract

It is mentioned in the laws article 49 No 3 2006 that one of religious court’s duty is to solve murabahah dispute. However, a case related to murabahah dispute number 2860/Pdt.G/2013/PA.Mr. which is submitted to MojokertoReligius Court was rejected by judges. This research attempt to analyse this (1) What is judges consideration in charge of settling murabahah dispute in a verdict number 2860/Pdt.G/2013/Pa.Mr? (2) What factors affecting the judges verdict number 2860/Pdt.G/2013/Pa.Mr? (3) How do the murabahah financing products eligible with religious advice DSN Indonesian Ulamas Council in terms of murabahah financing? This research use case study. The primary data was taken in Mojokerto Religious Court with the case number 2860/ Pdt.G/2013/Pa.Mr while the secondary data based on law books and journals which is related to sharia economy. Data was collected by using interviews and documentation.This research conclude this (1) The judges decided to not accept the case number 2860/Pdt.G/2013/Pa.Mr because the murabahah agreement which contain dispute settlement should be resolved through the arbitration institution (BASYARNAS). (2) Factors that influence judges verdict was law and rules that regulate arbitration which is consist of laws No 1 21/2008 on Sharia Banking article 55, Laws no 48 2009 about Judicial Power article 59, article 1338 the Book of Civil Law and article 21 (3) In addition, a case number 2860/pdt.g/2013/pa mr in form of loan capital was not in accordance with MUI teaching number 4/DSN-MUI/IV/2000 that govern murabahah only for purchase of goods.  Keyword : murabahah, dispute settlement, religious court. 
Analisi Pembiayaan Ar-Rahn untuk Usaha Mikro (Arrum) pada PT. Pegadaian Syariah (Persero) Cabang Blauran Surabaya Ervina, Eva; Wahab, Abdul
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2 No 2 (2018)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i2.2477

Abstract

Abstrak Rumusan masalah dalam penelitian ini dapat dirumuskan sebagaimana berikut: Pertama, bagaimanakah strategi pemasaran pembiayaan Arrum pada produk PT. Pegadaian Syariah (persero) Cabang Blauran Surabaya? Kedua, bagaimanakah analisis pembiayaan Arrum pada PT. Pegadaian Syariah (persero) Cabang Blauran Surabaya? Ketiga, apakah pembiayaan Arrum pada PT. Pegadaian Syariah (persero) sudah sesuai dengan hukum ekonomi syariah? Penelitian ini bertujuan untuk lebih mendalami segala aspek kehidupan, disamping itu juga merupakan sarana untuk mengembangkan ilmu pengetahuan, baik dari segi teoritis dan praktis.Penelitian ini bersifat fenomenologi dengan deskripsi-analisis, yaitu menggambarkan bagaimana analisis terhadap pembiayaan Arrum di PT. Pegadaian Syariah (Persero)Cabang Blauran. Setelah data dikumpulkan kemudian diolah dan dianalisa dengan analisa kualitatif dengan logika induktif.Dari penelitian yang telah dilakukan, dapat ditarik kesimpulan: pertama, strategi yang digunakan dalam pemasaran pembiayaan pada PT. Pegadaian Syariah Kantor Cabang Blauran yaitu Produk,distribusi, promosi, dan harga serta sudah diaturdalamPedoman OprasionalGadaiSyariah yang berlaku umum, tetapi tergantung  cabang yang berbeda-beda. Kedua, mekanisme pembiayaan Ar-Rum adalah mudah dengan persyaratan yang tidak rumit. Ketiga, pembiayaan Ar-Rum sudah berjalan sesuai dengan Fatwa Dewan Islam NasionalNo. 25/DSN-MUI/III/2002 Tanggal 26 Juni 2002.Harapannya dari penelitian ini kedepannya Pegadaian perlu mensosialisasikan produk-produk yang ditawarkan oleh Pegadaian Syariah. Khususnya pada produk pembiayaan Arrum serta pihak Pegadaian Syariah agar tetap mempertahankan keramahan dalam pelayanan, bahkan perlu ditingkatkan agar nasabah merasa nyaman dan senang atas pelayanan yang diberikan oleh pegadaian. Kata Kunci: Perbankan syariah, rahn dan usaha mikro.
Jual Beli on line (E-Commerce) ditinjau dari Perspektif Hukum Islam Wakhidah, Wakhidah; Thohari, Chamim
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2 No 2 (2018)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i2.2478

Abstract

AbstrakE-Commerce has a new phenomenon in a trading transation that done by a modern society. Because it’s a new model of transaction, so the istrution law from the moslem scholars has been not founded in any classic fiqh books. Based on the reality, the ulama must to discover its law in Islam pass through ijtihad. The problems which it will be answered pass through this research limited to the following questions: (1) How is implementation of e-commerce? (2) How is implementation of e-commerce perspective of Islamic law? This research is a library research with a normative law research model. It is a research model which purposed to know the relation between arrangements of law and the law norms or the law principels. This research also using comparative approach to seek suitability between the law of e-commerce and fiqh legal maxim. The results of the research there are: (1) The implementation of e-commerce can be explained that consumers choose items to be purchased from the seller's website, then consumers transfer a number of prices to the seller's account and finally the seller sends goods to consumers (2) Based on the fiqh legal maxim, e-commerce is permitted as long as not found some forbidden elements by Islamic law which it incontrary with the Islamic muamalah principels.               The conclusion is the implementation of online buying and selling can be explained that consumers choose items to be purchased from the seller's website, then consumers transfer a number of prices to the seller's account and finally the seller sends goods to consumers. As for the review of Islamic law on online buying and selling is permissible as long as there are no elements that are prohibited in Islamic shari'ah which can forbid it and not contradict the principles of muamalah. Keywords: E-Commerce, Islamic Law, Fiqh Legal Maxim, Fiqh Muamalah.

Page 21 of 37 | Total Record : 362

 19   20   21   22   23 

Filter by Year

2017 2025


Reset
Filter By Issues
All Issue Vol 9 No 1 (2025): Juni Vol 8 No 2 (2024): Desember Vol 8 No 1 (2024): Juni Vol 7 No 2 (2023): Desember 2023 Vol 7 No 1 (2023): Juni 2023 Vol 6 No 2 (2022): Desember 2022 Vol 6 No 1 (2022): Juni 2022 Vol 5 No 2 (2021) Vol 5 No 1 (2021) Vol 4 No 2 (2020) Vol 4 No 1 (2020) Vol 3 No 2 (2019) Vol 3 No 1 (2019) Vol 2 No 2 (2018) Vol 2 No 1 (2018): Jurnal Justisia Ekonomika Vol 1 No 01 (2017) More Issue