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Justisia Ekonomika
ISSN : 25985043     EISSN : 2614865X     DOI : https://doi.org/10.30651/justeko.v7i2
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Articles 362 Documents
Penerapan Akad Murabahah Dalam Produk Pembiayaan Bagi Pensiunan di BSM KCP Bondowoso Amin Uddin
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 3 No 1 (2019)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v3i1.2931

Abstract

This study examines the application of murabahah contracts on pension financing products conducted at Bank Syariah Mandiri KCP Bondowoso between the bank and its customers based on DSN-MUI fatwa Number 4 of 2000 concerning murabahah financing and DSN-MUI fatwa Number 88 of 2013 concerning General Guidelines for Program Implementation Pension Based on Sharia Principles. The problems that will be answered through this research are: (1) How is the application of the murabahah contract to pension financing products in Bank Syariah Mandiri KCP Bondowoso? (2) What is the DSN-MUI fatwa review of the application of the murabahah contract to pension financing products at Bank Syariah Mandiri KCP Bondowoso? This research is field research, because research activities are conducted at Bank Syariah Mandiri KCP Bondowoso. The research approach used is a qualitative descriptive research approach. To understand and analyze the object under study, the author uses several approaches such as the legislative approach and the comparative approach. Data collection techniques using observation, documentation, and interview techniques. While the data analysis technique uses a comparative analysis method.The results of this study are: (1) The pension financing contract in Bank Syariah Mandiri KCP Bondowoso is carried out by using a murabahah contract by fulfilling the following conditions: (1) The contract is done by reciting ijab and qabul; (2) Contracts are clearly implemented; (3) The object of the contract has been fully owned by the bank before being offered to prospective customers; (4) Contracts are carried out by prospective customers and the bank voluntarily without any coercion or threat; and (5) Contract objects are goods that are not prohibited by sharia. In the event of default, the bank will carry out billing steps by sending a notification letter, collection letter, warning letter 1 to 3. If the customer becomes bankrupt, the Bank will give up the time when it is able to settle its obligations if the business is bankrupt in an agreement the bank with the customer at the time of the murabahah agreement. (2) In general, the application of murabahah contracts to pension financing products at Bank Syariah Mandiri KCP Bondowoso is in accordance with the DSN-MUI fatwa, both DSN-MUI fatwa Number 4 of 2000 concerning Financing of Murabahah, and DSN-MUI fatwa Number 88 of 2013 concerning Guidelines General Implementation of Sharia Principles Based Pension Programs. Keywords: Fatwa, DSN-MUI, Murabahah, Pension, Bank Syariah Mandiri.
Implementasi Pembiayaan dengan Akad Murabahah di Koperasi Sembada Guna Syariah Takeran Rini Wulandari; Mochammad Tholhah
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.v2i2.2482

Abstract

Abstrak Koperasi  Sembada Guna Syariah (KSGS) Takeran menawarkan pembiayaan dengan akad murabahah. Namun dalam prakteknya tidak membelikan barang yang dibutuhkan namun memberi modal.  Rumusan masalah dalam penelitian ini yaitu: (1) Bagaimana pelaksanan pembiayaan dengan akad murabahah di Koperasi Sembada Guna Syariah Takeran? (2) Bagaimana tinjauan hukum Islam terhadap pelaksanaan pembiayaan dengan akad murabahah di Koperasi Sembada Guna Syariah Takeran?Pendekatan yang digunakan pada penelitian ini adalah pendekatan yuridis empiris. Melalui pendekatan ini akan diketahui pelaksanaan pembiayaan dengan akad murabahah di Koperasi  Sembada Guna Syariah (KSGS) Takeran.Hasil penelitian menemukan bahwa: (1) Praktek pelaksanaan pembiayaan murabahah di Koperasi Sembada Guna Syariah dilaksanakan dengan memberikan biaya secara tunai, bukan dengan membelikan barang. (2) Akad pembiayaan murabahah yang telah dipraktekkan oleh Koperasi Sembada Guna Takeran Magetan bila ditinjau dari konsep fiqh ternyata sudah sah dan sesuai, hal ini dapat dilihat dari akad pembiayaan yang dipraktekkan sudah sesuai dengan ketentuan-ketentuan syara’, dan dengan adanya kesepakatan antara kedua belah pihak yaitu antara koperasi dengan nasabah.Saran yang diajukan pada penelitian ini adalah (1) Perlu ditambah produk pembiayaan dengan prinsip syariah agar mampu memberikan kemudahan bagi kaum muslim. (2) Perlu penerapan sistem pembiayaan murabahah dengan sebenarnya agar tercapai visi misi yang telah dicantumkan. (3) Perlu bantuan dan pengawasan yang lebih intensif agar pembiayaan dengan akad murabahah dapat saling menguntungkan. (4) Sedapat mungkin plafond pembiayaan pada KSGS Takeran ditinggikan untuk lebih memberikan pemenuhan kebutuhan masyarakat. Kata Kunci : Pembiayaan, Murabahah, Koperasi.
Penerapan Manajemen Risiko Kredit Pada Pembiayaan Syariah di Koperasi As Sakinah Sidoarjo Nur Laila
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.
Pengaruh Kosep Desain (Eksterior dan Interior), Excellent Service, dan Penetapan Harga Toko yang Bernuansa Islam Mempengaruhi Minat Belanja Konsumen Muslim dalam Kegiatan Perspektif Hukum Ekonomi Syariah Fitria Sofiana
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.v2i1.1687

Abstract

ABSTRACT                                  Buying consumer interest is the seller must be able to sell a good impression has not sold the goods, the impression that can shape the image of his shop, this has been put forward by Sutisna (2001) in his book Consumer Behavior: Theory and Applications that storeatmosphere (shop atmosphere) will also determine the image of the store itself. If the store features comfortable, air-conditioned, and artistic arrangements for the use of attractive wall paint, all show that the mood of the store is able to increase the luxury and high business competitiveness.                   From the results of this study, the factors that influence the next decision is the excellent service (excellent service) factors that affect interest. Based on questions about comfort ditoko sakinah perceived by consumers. The service and convenience provided by the sakinah store is considered good by consumers but has not had a major impact in influencing buying interest. By providing a convenient waiting room or shofa facility for customers who are trying sakinah. Thus, customers will feel cared for and happy to re-purchase at a sakinah shop and pricing. Price determination based on the question of the respondent's price level agrees with the price paid in accordance with the quality of the sakinah product. Thus, the company must determine the price in accordance with product quality in order to compete with other companies. In addition, companies can provide discounts or discounts to attract consumers more, so as to improve purchasing decisions sakinah.                   From the results of this study the method used is Quantitative Design (exterior and interior) has a contribution of 63.3% together to the dependent variable (Y) ie consumer spending interest. The remaining 36.7% is influenced by other factors that are Excellent service and Price Pricing and which are not included in the research.                   With study research conducted in store Sakinah Wonorejo area of West Surabaya. From the store then the value of increased interest obtained the influence in forming other variables such as excellent service, pricing. Keywords: Design (exterior and interior), Excellent Service, Pricing and Interest
Analisi Pembiayaan Ar-Rahn untuk Usaha Mikro (Arrum) pada PT. Pegadaian Syariah (Persero) Cabang Blauran Surabaya Eva Ervina; Abdul Wahab
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.
Analisis Hukum Bunga Bank Ditinjau dari Perspektif Maqashid Syariah Sya Rifah Isnaeni
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 3 No 1 (2019)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v3i1.2925

Abstract

The background of this research is the exixtance of the difference opinion between ulama and moslem scholars about the law of interest in Islam, which is until now still not discovered the solusion opinion and it make interesting for the researcher to make a research about the object more deep and more wide. But the researcher will not use Islamic law perspective as analysis basic, the researcher will use the objectives of sharia as analysis basic.This research is limited by several problems as following: (1) Why bank interest is needed by conventional banks? And (2) How is the law of interest if observed from the objectives of syariah (maqashid sharia)?This research is a library research. In this research the researcher choose to use a conceptual approach because the purposes which need to be achieved trouhg this research is to result an Islamic law thought about the law of interest which is not being bounded by the opinions or theories launched by majority of the moslem scholar. So this research can originally refer to the objectives of the sharia as what has been agreed by majority of ulama.The results of this research there are: (1) the interest is a money amount addition which have to paid by bank to the costumer based on the loan percentage that given by bank to their customer. Bank interest is used for the Bank's operational costs, if there is no interest instrument, it is likely that the Bank will not be able to survive. And (2) there are three opinions of ulama’s law judgments about the law of interest, it is forbidden (haram), permitted (halal) and dubious (shubhat). If this law opinions observed based on the objevtives of sharia, the researcher can make a conclusion that the opinion which is permit the interest is the most according to the objectives of sharia, and it is related to the concept of hifz al-nafs (take care of soul) and hifz al-mâl(take care of property) than the opinion whih has been forbid the interest. The permitted law of interest in the concept of hifz al-nafs (take care of soul) can be located in the dharuriyah, hajiyah and tahsiniyah degrees. While The permitted law of interest in the concept ofhifz al-mâl(take care of property)can be located in the dharuriyah and hajiyah degrees. Keywords: Interest, Usury, Maqashid Sharia, hifz al-nafs (Take care of soul), hifz al-mâl (Take care of Property).
Manajemen Pengelolaan Bisnis Syariah dengan Akad Ijarah di Panti Asuhan Muhammadiyah Sumenep Ahmad Riadi
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.v2i2.2970

Abstract

Keberadaan sebuah lembaga sosial yang menampung anak yatim, piatu , piatu, dhuafa dan orang miskin,  yang bertekad untuk mensejahterakan penghuninya dengan cara berbisnis secara syariah, dengan berbisnis maka ketergantungan terhadap donatur semakin kecil. Rumusan masalah dalam penelitian ini adalah untuk mengetahui bagaimana manajemen pengelolaan Bisnis Syariah dan  Faktor apa saja yang mendukung dan menghambat jalannya Bisnis Syariah yang dikembangkan. Jenis Penelitian ini adalah jenis penelitian Kualitatif deskriptif. Sumber data yang mendukung dalam penelitian ini yaitu sumber data primer yang didapat dengan dokumentasi arsip lembaga dan sumber data sekunderdidapat dengan cara wawancara. Dari hasil penelitian ini dapat dihasilkan data bahwa manajemen melaksanakan bentuk bisnis yang dikembangkan terlebih dahulu menganalisis dan menggunakan fungsi manajemen sederhana, yaitu Perencanaan, pengorganisasian, pengarahan, dan pengawasan.  Faktor pendukung yang membuat Bisnis dapat berjalan adalah dukungan dari para donatur dan para dermawan terhadap usaha-usaha yang dikelola panti. Dan  faktor penghambat Bisnis yang dikembangnkan Panti adalah Kurangnya modal dalam pengembangan modal, SDM yang Kurang maksimal pelayanan dikarenakan pengelola bukan semata-mata fokus dalam bisnis akan tetapi lebih kepada pemberdayaan. Kata Kunci: Manajemen, Bisnis Syariah, Ijaroh.
Penerapan Alternatif Akad Pembiayaan Haji dan umrah Pasca Peraturan Menteri No 24 Tahun 2016 Pada Bank Panin Dubai Syariah Surabaya Fitrotu Aini
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.v2i1.1692

Abstract

ABSTRACTHajj as a great symbol of worship. Hajj is the fifth pillar of Islam which is mandatory for every Muslim who are able to da it in accordance with the legal requirement of pilgrimage. One of the legal conditions of Hajj is the capability, capable to cover the cost of the hajj and the family left behind. Panin Bank Dubai Sharia Bank was established based on the regulation of Limited Company No. 12 dated January 8, 1972 by Moeslim Dalidd, a notary in Malang. PT. Bank Panin Dubai Syariah Tbk has been legalized by the Financial Services Authority ("OJK"), in accordance with a copy of the policy of the Board of Commissioners of OJK No. Kep-29 / D.03 / 2016 on July 26, 2016.Therefore, through this research, the writer wants to understand: (1) how is the practice of applying alternative financial agreement of hajj and umrah after the implementation of regulation made by ministry of religious affair No. 24 year 2016 at Panin Bank Dubai Syariah Surabaya branch? (2) What is the analysis of Islamic law on the practice of multilateral contract alternative application in this Bank? Therefore, this study is aimed to, firstly, understand and describe the application of alternative contracts to hajj and umrah after the regulation of Ministry of Religious Affairs No. 24 of 2016 in Panin Bank Dubai Sharia branch Surabaya, and to describe the analysis of Sharia Economic Law about the practice of applying alternative contract in the bank.The method used in this research is qualitative method. The research data are taken in natural situation in Panin Bank Dubai Syariah Surabaya. The data are taken during operational hours using case study approach. Are done through interview technique with the main participant, Assistant Manager 1, and document, archive, book, sample of registration, as secondary data source. The data are analyzed through 3 (three) data deduction, display data and ended with conclusion and verification.The results of the study indicate that the Panin Bank Dubai Sharia runs in accordance with the government regulation No. 24 year 2016 "BPS BPIH is prohibited from providing direct and indirect Hajj money service" including Hajj and Umrah services using various financing products and funds saving, funds collecting in the form of deposits, savings or other forms, using multi-service financing akad wadi'ah, with the savings of hajj services with initial minimum deposit of Rp500,000,and according to customers’ ability. Keywords: hajj, umrah, wadi'ah.
Optimalisasi Peran Advokat Dalam Penegakan Hukum Ekonomi Syariah di Wilayah Pengadilan Tinggi Agama Surabaya Zulkifli Hidayatullah
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 1 No 01 (2017)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v1i01.1125

Abstract

Gugatan perkara-perkara ekonomi syariah khususnya yang diajukan oleh para advokat di Pengadilan Agama dalam wilayah Pengadilan Tinggi Agama Surabaya, faktanya banyak dijumpai berakhir dengan putusan NO (niet on vankelijke verklaard) ada banyak faktor yang menjadi pertimbangan hakim dalam putusan tersebut, diantaranya adalah kekaburan gugatan (obscuur libel) yang dibuat oleh para advokat, baik terkait dengan akad dan tempat penyelesaian perkara.            Penelitian ini bertujuan untuk mengetahui peran advokat dalam proses penegakan hukum ekonomi syariah di Pengadilan Agama dalam wilayah Pengadilan Tinggi Agama Surabaya untuk mencapai kebenaran dan keadilan;untuk mengetahui faktor-faktor yang mempengaruhi rendahnya peran advokat dalam penegakan hukum ekonomi syariah di Pengadilan Agama dalam wilayah Pengadilan Tinggi Agama Surabaya; dan untuk merumuskan konsep materi yang tepat tentang standarisasi kurikulum pendidikan khusus profesi advokat tentang pemahaman dan pengetahuan hukum ekonomi syariah oleh advokat.Penelitian ini menggunakan diskriptif kualititatif dengan perpaduan pendekatan teknik fenomenologis. Peneliti akan mengkaji lebih dalam suatu fenomena yang sedang terjadi pada suatu lembaga perhimpunan Advokat dengan metode survey.Dari analisis tentang optimalisasi peran Advokat di DPC PERADI Surabaya, penanganan sengketa ekonomi syari’ah  merupakan tugas dan tantangan baru yang harus dihadapi oleh Advokat di lingkungan peradilan dalam Wilayah Hukum Pengadilan Tinggi Agama Surabaya.            Hasil penelitian ini menunjukkan beberapa temuan yaitu peran Advokat dapat optimal apabila mengerti dan memahami pokok perkara yang akan dibelanya, dan Advokat dapat mengakomodir kepentingan hukum kliennya. Formula untuk meningkatkan optimalnya peran advokat dalam penegakan hukum ekonomi syariah di Pengadilan Agama dalam Wilayah Pengadilan Tinggi Agama Surabaya adalah (a) adanya sertifikasi pengetahuan khusus ilmu ekonomi syariah; (b) diperlukan suatu model pembekalan yang tepat untuk menguatkan kualitas profesionalisme para calon Advokat. Kata Kunci :   Peran Advokat, Penegakan Hukum Ekonomi Syariah.
Penyelesaian Sengketa Akad Pembiayaan Murabahah Menurut Hukum Ekonomi Syariah (Analisis Putusan Pengadilan Agama Mataram Nomor 0508/PDT.G/2016/PA.MTR Mohammad Hosen
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 3 No 1 (2019)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v3i1.2933

Abstract

This research discusses the Decision of the Mataram Religious Court Number 0508/Pdt.G/2016/PA. Mtr on how the judges resolved the issue of the dispute over the murabahah financing contract in the Mataram Religious Court. In analyzing the problem the author uses the theories of Islamic Economic Law as the basis of the analysis. the main issues that will be answered through this research include: (1) What is the judge's decision in case number 0508/Pdt.G/2016/PA. Mtr concerning the settlement of disputes in murabahah financing contracts according to the theory of Islamic Economics Law? (2) How is the judge's decision in case number 0508/Pdt.G/2016/PA. Mtr concerning the settlement of disputes in murabahah financing contracts according to the principle of justice in Sharia Economic Law? When viewed from the method of data collection, this type of research includes the type of library research because the data collection techniques that the authors chose in this study is techniques of collecting data through the documentation method. In analyzing the data the author uses a comparative approach to compare the practice of banking contracts - which in this study are the problems of murabahah and musyarakah financing contracts - as stated in the decisions of the Mataram Religious Court judges in accordance with the contract theory regulated in sharia economic law.The results of this study are: (1) Procedure for settling a dispute case in murabahah and musyarakah contracts carried out by the of judges through their decision Number 0508/Pdt.G/2016/PA. Mtr along with the contents of the decision according to the author in accordance with the rules stipulated in Sharia Economic Law. That is because the dispute resolution carried out by the judges is carried out based on legal rules in Sharia Economic Law, namely the rules for resolving sharia economic disputes contained in Law Number 21 of 2008 concerning Islamic Banking Article 55, Law Number 48 Year 2009 concerning Judicial Power Article 16 paragraph 2, Supreme Court Regulation Number 2 of 2008 concerning Compilation of Sharia Economic Law Article 133, and DSN-MUI Fatwa Number 4 concerning Murabahah, Number 8 of 2000 concerning Musyarakah Financing, and Number 47 concerning Settlement of Murabahah Receivables for Customer Can't Pay. (2) Decision of the judges in Case Number 0508/Pdt.G/2016/PA. Mtr Concerning Settlement of Murabahah Financing Contract Disputes according to the author in accordance with the principle of justice in Sharia Economic Law. Keywords: Contract, Murabahah, Musyarakah, Law, Sharia Economy. 

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