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Justisia Ekonomika
ISSN : 25985043     EISSN : 2614865X     DOI : https://doi.org/10.30651/justeko.v7i2
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Articles 374 Documents
IMPLEMENTASI FATWA-FATWA DSN-MUI PADA PEMBIAYAAN DANA TALANGAN HAJI (STUDI KASUS PADA PADA KSPPS BTM MULIA BABAT – LAMONGAN) Saidi, Ahmad Arif Rahman; warsidi, warsidi
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 4 No 1 (2020)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v4i1.5234

Abstract

ABSTRACT The use of religious guidances from DSN-MUI as a basis of delivering products in the Micro-Sharia Financial Institution (LKS)  is not accompanied by a complete and correct understanding of the implementation. It can be seen in among others, the fund financing of hajj bailout. There are many different kinds of contracts used by micro-sharia financial institution in the hajj bailout fund financing, such as the contract of qardh bil ujrah and ijarah multijasa, even there are those that uses murabahah contract in the hajj fund financing.The author's interest in examining the implementation of hajj bailout fund financing in KSPPS BTM Mulia is because the KSPPS BTM Mulia used the contract of qardh bil ujrah and then change it into ijarah multijasa at the beginning of the emergence of the product of hajj bailout fund financing. The author intends to find out about the implementation in KSPPS BTM Mulia, which contract is most in accordance with the Sharia economic law, and what are the impact of the changes for KSPPS BTM Mulia.This study is a qualitative-descriptive research which uses the data collection technique with observation, interview, and documentation. The data source of this study is: (1) the person who is involved in hajj fund financing in KSPPS BTM Mulia starting from the management, Sharia supervisory board, marketing, legal, and customers; and (2) contract documents, minutes of meetings, and other documents which related to and needed in this study.From this study, it is known that the implementation of hajj bailout fund financing in KSPPS BTM Mulia that uses the qardh bil ujrahcontract, the halal status  cannot be guaranteed, while the ijarah multijasa contract with little improvement will be more appropriate and in accordance with the Islamic Sharia principles. Keywords      :Hajj Bailout Fund Financing, Contract ofQardh ,Ijarah Multijasa, Kafalah
PENYELESAIAN SENGKETA PADA AKAD MURABAHAH DENGAN PENDEKATAN NON LITIGASI DI KSPPS BTM MULIA BABAT LAMONGAN Azis, Muhammad Fahmi; Swadjaja, Isma
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 4 No 1 (2020)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v4i1.5235

Abstract

ABSTRACTDisputes are disputes, disputes or disputes that occur between one party and another related to valuable rights in the form of money or property.Shari'ah economic disputes are the domain of disputes in business or trade activities. Shari'ah economic disputes can occur before or after the agreement is agreed, for example regarding the object of the agreement, the price of goods, and the contents of the agreement (Akad).In this case, this research focuses on the resolution of non-litigation sharia economic disputes on the murabahahh contract and the application of the murabahahh contract in Bspm Mulia Babat.This research is a descriptive qualitative research is a research method to make a picture of a situation or event, so that it is desirable to hold the accumulation of basic data using the method of observation, interviews, and documentation. The results of the study are that the resolution of non-litigation sharia economic disputes in the murabahahh contract in the compt btm noble tripe uses the system of family, peace, deliberation (sulhu) and the application of murabahah contract in accordance with Islamic economic principles and principles.         Keywords: Dispute Resolution, Non Litigation and Murabahahh Agreemen
MANAJEMEN SUMBER DAYA INSANI (Konsep Dasar Perencanaan dan Analisis Jabatan di Perbankan Syariah) rahmawati, nur
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 4 No 1 (2020)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v4i1.5236

Abstract

ABSTRACT In this globalization era, there are many issues in the development of global competition, including unlimited free competition in a particular region or country. This freedom to do business has become the demands and needs of the world community from any angle. So the existence of Human Resource Management (MSDI) is very important for Islamic banking in managing and using Human Resources that function productively, effectively, and efficiently to be able to survive and compete in the global arena.Human Resources is an infinite gift from Allah SWT, but if human resources are not managed properly, then an institution or company, even the country will be left behind and could be down. An institution, company and country that is unable to progress, the problem is not the quality of the Human Resources, but on the quality of Human Resources Management, how many bad the Human Resources there, if managed properly, it will produce  institutions, companies and developed countries. To that end, human resources must be planned carefully, must be analyzed in depth related to positions(jobs) in accordance with the SDI field owned by a sharia banking, so that what is called the right man in one place wasformed.Keywords : Management, Planning, Job Analysis and Banking
TINJAUAN YURIDIS TERHADAP PENYELESAIAN DAMAI PERKARA SEDERHANA EKONOMI SYARIAH (ANALISIS KASUS DI PENGADILAN AGAMA KEDIRI) Nehru, Ahdiyat Ilmawan; berkah, dian
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 4 No 1 (2020)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v4i1.5245

Abstract

ABSTRACTThe objective will be accomplished in the title of the thesis is the author of the above is to find out if the peace process is going on, and the proceedings conducted against a simple matter of Economics Sharia Religious Courts in Kediri were in accordance with the provisions of the law that applies.This research uses the juridical normative approach i.e. researching secondary data or library material, then analyzed qualitative data analysis and results presented with descriptive method, namely by giving a picture in fact regarding the juridical review against a peaceful solution a simple matter of Economics Sharia Religious Courts in Kediri.Based on the results of the research on settlement matters simple economics Sharia Religious Courts in Kediri via the litigation has been in accordance with the provisions of the applicable law, both at the stage of registration, ranging from up to judge drop the verdict. But against the occurrence of the verdict form peacekeeping assignment given by judges in future trials, is not the peace that occurs on the basis of the presence of both parties with the bond Act of peace, but rather the onset of peace because the judge grant the plaintiff's petition to revoke the matter, this occurs after the judge listened to the description of the plaintiff who stated upfront trial that the Defendants had completed his charge to the plaintiff. Besides that the consideration of judge of dikabulkannya petition for annulment of case filed by the Plaintiff because during the trial, the defendants never attend and sent his Deputy, so over the verdict ... Keywords : Sharia Economic Disputes, Peace, Trial
PENGARUH PERSEPSI PENGETAHUAN, INFORMASI, DAN RELIGIUSITAS TERHADAP MINAT BERWAKAF UANG Pramudia, Rizkie Anugerah; Syarief, Mochamad Edman
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 4 No 2 (2020)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v4i2.6482

Abstract

This study aims to determine the perception of the Muslim community in West Java on cash waqf. The variables used in this study were knowledge, information and religiosity variables. This research is a quantitative study using Structural Equation Model-Partial Least Square (SEM-PLS) with the WarpPLS tool. The results showed that the variables of knowledge, information and religiosity had a positive effect on the interest to donating cash waqf. Positive public perceptions of cash waqf need to be supported by more massive socialization and education. Obviously, proper regulations also need to be prepared so that the purpose of cash waqf is achieved
TINJAUAN HUKUM SYARIAH PADA PRODUK ASURANSI BERKAH SAVELINK (STUDI KASUS PADA PT MANULIFE INDONESIA) aliyah, faridatul; Himmawan, M Fikri
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 4 No 2 (2020)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v4i2.6560

Abstract

Abstrak Indonesia sebagai negara yang besar didominasi oleh umat muslim merupakan peluang pasar yang besar sekaligus tantangan bagi perusahaan asuransi dalam meningkatkan penetrasi pasar. Berbagai strategi dilakukan oleh pihak asuransi, salah satunya adalah ekspansi pada produk asuransi syariah. Penelitian ini menguji apakah penerapan prinsip syariah pada produk asuransi Berkah Savelink Manulife. Penelitian menggunakan metode studi kasus dengan populasi nasabah asuransi Berkah Savelink Manulife Indonesia. Teknik sampling yang digunakan adalah simple random sampling. Jenis penelitian adalah kuantitatif dengan dengan menggunakan metode principal component analysis (PCA). Hasil ekstraksi faktor berhasil mereduksi 15 variabel menjadi 2 faktor.Kata kunci:  Asuransi Syariah, Ekonomi Syariah, Asuransi Unitlink, PCA
ANALISIS PUTUSAN PENGADILAN AGAMA MALANG TENTANG HAK TANGGUNGAN PADA SENGKETA EKONOMI SYARIAH (Studi Kasus Putusan Pengadilan Agama Malang nomor: 0689/Pdt.G/2017/PA.Mlg) imawan, arip; Hadi, Abd
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 4 No 2 (2020)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v4i2.6849

Abstract

The Malang Religious Court has the authority to decide cases on Islamic economic disputes. Decision numbered: 0689 / Pdt.G / 2017 / PA.Mlg is a ruling stating that they reject the plaintiff's claim regarding the cancellation of the mortgage. The formulation of the problem in this study was how the litigation procedure in the Sharia Economic Dispute Settlement of the Malang Religious Court and the legal basis for judges' consideration in deciding case number 0689 / Pdt.G / 2017 / PA.Mlg. This study used qualitative methods with primary data source for decision number 0689 / Pdt.G / 2017 / PA.Mlg and secondary data in the form of laws and regulations, DSN-MUI fatwa, documentation, and interview with judges of the Malang Religious Court. Conclusion Thesis, legal considerations used by the Panel of Judges in Decision Number: 0689 / Pdt.G / 2017 / PA.Mlg wereappropriate. These legal considerations used Law number 3 of 2006 and Law number 50 of 2009 concerning religious courts, Law number 4 of 1996 concerning mortgage rights and objects related to land, Law number 21 of 2008 concerning Islamic banking, DSN fatwa MUI number 11 / DSN-MUI / IV / 2000 concerning Kafalah and Perma number 2 of 2008 concerning Sharia Economic Law Compilation. However, in using consideration Permenkeu 106 / PMK.06 / 2013 was not appropriate because the Permenkeu had been revoked and was not valid because there was a Permenkeu 27 / PMK.06/2016. Key Words : Sharia Economic Disputes, Mortgage Rights, Religious Courts
ANALISIS FAKTOR-FAKTOR DALAM PENGAMBILAN KEPUTUSAN NASABAH MEMILIH PRODUK PEMBIAYAAN PENSIUN DI BSM KC BOJONEGORO SUMBERREJO rachman, aditya; Swadjaja, Isma
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 4 No 2 (2020)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v4i2.6851

Abstract

Pension financing is a solution for someone who has stopped working to be able to meet all consumptive needs and other economic needs. PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo is one of the Sharia banks that offers pension financing products so that they have to compete with neighboring banks, especially conventional banks, which first offer pension financing products. The population in this study were all retired customers of PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo, as many as 480 customers. By using purposive sampling technique, the number of samples used is 267 retired customers who have met the criteria determined by the researcher. From the analysis, it is found that partially the factors that influence customer decisions in choosing pension financing at PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo are product quality (X1), service quality (X2), price (X3), emotional (X4), convenience ( X5), promotions (X8) and costs (X9). While simultaneously product quality (X1), service quality (X2), price (X3), emotional (X4), convenience (X5), personal experience (X6), other people's experiences (X7), promotion (X8) and costs ( X9) affects the customer's decision to take pension financing at PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo. The nine factors influence the customer's decision in choosing pension financing by only 66.9 percent, while the remaining 33.1 percent is influenced by other factors. Of the various factors that influence customer decisions in choosing pension financing at PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo, the most significant influence is the price factor (X3). Keywords: Pension financing, customer decisions, multiple linear regression analysis
SADD AL-DZARI’AH:KORELASI DAN PENERAPANNYA DALAM HUKUM EKONOMI SYARIAH amin, rukhul
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 4 No 2 (2020)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v4i2.6856

Abstract

This paper describes the importance of sad al-dzari'ah in determining Islamic law, especially in relation to the business-economy world which tends to be dynamic. Sadd al-dzari'ah is a legal instrument in Islam that is good if it is applied properly, in accordance with the rules of syara '. It can be a tool that can be used to create the benefit of the people and prevent it from being damaged. One example that can be seen in seeing the importance of sadd al-dzariah in the national legal system is the application of the actio paulina principle, the regulations of which can be found in Articles 1341 and 1061 of the Civil Code and Articles 41 to 47 of the bankruptcy law. However, as it plays a very important role in the search for law, on the one hand sadd al-dzari'ah can also be something negative. This can happen if the use or application is not / not done carefully, especially if it is not based on broad social piety in the community. Keyword: Sadd/Fath al-Dzari’ah, Maqashid al-Syariah, Actio Paulina
SISTEM PENGGAJIAN GURU DAN TENAGA KEPENDIDIKAN DI TK. ‘AISYIYAH BUSTANUL ATHFAL I KOTA PROBOLINGGO MENURUT PRINSIP-PRINSIP AKAD IJARAH arifin, mohammad; wahab, abdul
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 4 No 2 (2020)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v4i2.6857

Abstract

During 2016 to 2019 there were many demonstrations carried out by educators and educational staff with a minimum guarantee of receiving monthly and no government allowance. This demonstration of educators is a silent proof of the inability of the government in the welfare of educators who need a non-PNS level, the complexity of being a PNS educator also cannot be solved by only teaching for more than 10 years. Anxiety like this certainly occurs in every region. To answer this we can answer through the payroll Sistem of educators and education personnel in kindergarten. ABA I Probolinggo City? and how is the implementation of the principles of the ijarah contract in kindergarten payroll systems. ABA I Kota Probolinggo according to the principles of the ijarah contract?To answer this question, this type of research is used (field field research) with a qualitative method. The data collection techniques used in this study include observation, interviews, and document study. The data that has been collected is then compiled and analyzed using descriptive methods, which describes the concept of implementing the payroll Sistem and the principles of the ijarah contract in kindergarten. ‘Aisyiyah Bustanul Athfal I Probolinggo City.The results of this study state that the implementation of the payroll Sistem and the implementation of the principles of the charity ijarah contract in the payroll Sistem in kindergarten. 'Aisyiyah Bustanul Athfal I City of Probolinggo is still general. Although in its application both parties have each benefited, this has not met the provisions of the ijarah agreement in accordance with sharia economic law.Keywords : Principles of Ijarah Agreement and Payroll Sistem