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POLITICAL PARADIGM OF CONVENTIONAL ECONOMICS AND ISLAMIC ECONOMICS: INDONESIAN SHARIA BANK DISCOURSE Witro, Doli
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.v5i2.10993

This article discusses the paradigm of Islamic political economy and conventional political economy by looking at the discourse of Indonesian sharia banks. This article aims to find out how the political economy that occurs in Indonesian sharia banks. This article is qualitative library research. The data in this study were obtained from library materials such as books, journals, and so on related to the problems studied, namely the conventional political economy paradigm and the Islamic political economy paradigm. The data collection technique used is to collect as much data as possible about the problems studied through the internet and library websites. The data writing technique used is a data analysis technique known by Miles et al., namely data condensation, data presentation, and drawing conclusions. The analysis results show that the differences between Islamic and conventional political economy paradigms are seen in the unification (religion and economic activity) by Islamic economics and separation (religion and economic activity) by conventional economics. The dominance of the conventional economic system, represented by the capitalist and socialist economic system in the world economy, especially Indonesia, does not dampen the significant development of the Islamic economic system, which is agreed upon by various parties.

KONSEP AL-QURâ€™AN DAN HADIST TENTANG RIBA DAN BUNGA BANK Meriyati, Meriyati; Nugraha, Sarah Lutfiyah
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 1 (2022): Juni 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i1.11209

Riba is an activity of exploitation and does not use the concept of ethics or morality. Allah SWT forbids transactions that contain elements of usury, this is due to oppressing others and the presence of elements of injustice (unjustice). Since pre-Islamic usury has been known and even often carried out in daily economic activities. At the time of the Prophet Muhammad SAW usury began to be prohibited with the revelation of the verses of the Qur'an which stated the prohibition of usury, these verses were revealed according to the time and period of the revelation of the verse until there was a verse that strictly forbade it. The practice of usury is not only prohibited by Islam, but religions outside of Islam also prohibit it. The scholars agreed and stated firmly about the prohibition of usury, in this case referring to the Book of Allah and the Sunnah of the Prophet as well as the consensus of the scholars. Broadly speaking, there are two types of usury, namely usury due to accounts payable and usury due to buying and selling. The modernists view usury as emphasizing the morality aspect, not the formal legal aspect, but they (the modernists) do not allow usury-taking activities. Islam has forbidden usury in QS Ar Rum: 39, An Nisa ': 160 - 161, Ali Imran: 130 - 131, and Al Baqarah: 275 - 280.Keyword: Riba, the Law of Riba, the Qur'an and HadithÂ

Akad Qardh Hasan Dalam Perspektif Maqashid Syariah Wahab, Abdul
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.v5i2.11384

Qardh as a contract is a type of financing without any reward. Maqashid Sharia is the goal of establishing sharia which is directed towards maslahah. The application of qordh must be based on the basis of maqashid sharia, in order to achieve mutual maslahah. The relationship between qordh and maqashid sharia is the focus of this research. This research belongs to the type of qualitative research with technical literature, namely reading books and relevant research results, the books read can be in the form of textbooks, encyclopedias and dictionaries. The analysis is carried out with a deductive mindset, which is based on general facts and then researched and finally put forward a specific problem solving, with qualitative descriptive techniques in order to find knowledge of the research subject at a certain time. Qardh in the context of maqashid sharia is included in the realm of hifdzul mal (guarding property) from damage, in this case keeping Muslim assets in the hands of moneylenders. So that the property of a Muslim can be safe and not burdened with bloated bills. This is because in qardh a Muslim who becomes a customer only needs to return what he borrowed. So that the maslahah which is the goal of maqashid is achievedÂ Keywords: Qardh, Maqashid Syariah,

PENYALAHGUNAAN DANA DEPOSITO MILIK NASABAH DITINJAU DARI KETENTUAN HUKUM PERBANKAN SYARIAH Fauziah, Salma; Abubakar, Lastuti; Handayani, Tri
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 1 (2022): Juni 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i1.11648

AbstractIslamic banks in carrying out their business activities are very likely to be faced with a dispute involving customers and the Islamic bank itself. Not infrequently these disputes arise due to the actions of employees of Islamic banks. This study aims to examine the competence in sharia banking dispute resolution and legal considerations in the Supreme Court Decision No. 2454k/pdt/2019 is related to the legal provisions of Islamic banking. This study uses a qualitative method with a normative juridical approach as well as a descriptive analytical research specification. The results of the study indicate that the absolute competence of sharia banking dispute resolution only exists in the Religious Courts. In addition, BRI Syariah Bank's liability for compensation to customers is a form of taking over the responsibilities of employees by the bank as regulated in Article 1367 of the Civil Code. The compensation is based on the principle of prudence, risk management of Islamic banks, and the bank's function as an agent of trust.Keywords: Islamic Bank, Competence, Responsibility

APLIKASI SADD ADZ-DZARIâ€™AH DALAM PERKEMBANGAN EKONOMI ISLAM Islamiah, Andi Nurul
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 1 (2022): Juni 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i1.12091

Prowth Islamic economy at the present time, there needs to be special attention related to the construction process, in which each stage of the process should pay attention to the good and bad, bring benefit or harm in the development of Islamic economics in accordance with the rules ofSharia. In line with the application of sadd adz-dzari'ah in the development of Islamic economics at the time, present it is necessary to pay attention to the law syara' and the rules of fiqh. This study aims to determine how good and bad sadd adz-dzari'ah . are when applied in the development of Islamic economics today. The method used is to use literature study (library research) with an approachÂ descriptive then analyzed using the method Milles and Huberman with the stages of data reduction, data presentation and conclusions or verification . The results showed that the application of sadd adz-dzariah in the current development of Islamic economy is very vulnerable to lead to actions that cause damage/loss (mafsadah).Â Keywords: Sadd Adz-dzari'ah, Sadd Adz-dzari'ah Application, Islamic Economics

MODEL PERSAINGAN PASAR MONOPOLISTIK DALAM PENENTUAN HARGA OBAT PADA MASA PANDEMI COVID-19 Sofiah, Sofiah; Rizkiya, Tri Wahyu; Annizar, Anas Ma'ruf
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 1 (2022): Juni 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i1.12304

Competition between pharmacies is increasing, especially during the pandemic, so they have to compete with each other for marketing strategies. The purpose of this study is to describe the determination of drug prices and income levels during the pandemic. The type of research used is descriptive with a qualitative approach. The results showed that the determination of drug prices at Kraksaan pharmacies in three pharmacies in the city had different standards. In determining drug prices, pharmacies use the HET standard or commonly known as the highest retail price. However, there are also pharmacies that have their own standard price with a percentage of the purchase price with an agreed number and have an agreed price at the beginning of the VAT price. At the kraksaan city pharmacy, there are a number of drugs that are above HET and below HET with additional margins that have been determined at each pharmacy. In addition, income at pharmacies in the city of Kraksaan has increased more during the COVID-19 pandemic. This is due to a number of factors, one of which is the condition of society during the pandemic. When people experience complaints, they will buy drugs at pharmacies, therefore income at pharmacies has increased during the pandemic

PRAKTEK PEMBIAYAAN MUDHARABAH BERTINGKAT PADA BANK SYARIAH Romdhani, Nizar Zikri; Mujib, Abdul
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 1 (2022): Juni 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i1.12464

This article is library research with research data sources sourced from primary and secondary sources. Primary data sources in the form of the Qur'an, hadith, laws, Fatwa DSN MUI, and others. While the secondary sources are fiqh books, books, journals, websites, and others. The data analysis method used is a qualitative-descriptive analysis method. The description of the data is divided into several stages, namely: Islamic banks in Indonesia, mudharabah in the perspective of fiqh muamalah, and the practice of financingÂ mudharabahÂ multilevel in Syariah Public Banks. Syariah Public Banks is an Islamic bank that in its activities provides services in payment traffic. Deposits in Sharia banks are investment funds based on mudarabah contracts or other.contracts that do not.conflict with Sharia principles. In practice, the fund manager (mudharib) invests money or repeats mudharabah, then there is a multilevel mudharabah contract which the fiqh scholars argue about its legal status, some allow it and some don't allow it. The research method is based on normative juridical and data collection methods that the authors use as a literature study. In this case, the Islamic bank is not only a mudharib, the Islamic bank is also a shahib al-mal. Based on the opinion of rajih among scholars, the law of conducting a multilevel mudharabah contract may be based on two considerations, namely urf considerations and the absolute concept of mudharabah.

akad mudharabah musytarakah dalam asuransi syariah Sumaila, Bayu Daffa; Mughits, Abdul
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 1 (2022): Juni 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i1.12482

This article is a literature research and the data source used in this research is premier data which is the Al-Quran, Hadith and Positive Law in Indonesia. And secondary data are journals and also books and websites related to insurance and Islamic financial institutions. The analysis used in this research is qualitative-descriptive and the results of this study are the implementation of the mudharabah musytarakah contract is not too familiar among the community so that there are still obstacles in the implementation of insurance services. In addition, Mudharabah Musytaraka is also often used by financial institutions in the banking sector. Mudrabah musytarakah contract is a merger agreement made by the MUI through the Sharia Council Fatwa No. 51/DSN-MUI/III/2006. And also its implementation must be in accordance with Islamic principles.Keywords: Mudharabah Musytarakah, Insurance Services

ANALISIS KONSEP AKAD MURABAHAH DAN AKAD RAHN DALAM PRODUK EMAS ANTAM PADA PEGADAIAN SYARIAH CABANG SOLO BARU MENURUT HUKUM EKONOMI SYARIAH Asia, Siti Nur; Rizka, Rizka; Rosyadi, Imron
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 1 (2022): Juni 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i1.12540

Abstrak Penelitian ini dilakukan dengan tujuan untuk menganalisis konsep murabahah dan rahn pada produk emas Antam pada Pegadaian Syariah cabang baru solo dan menganalisis kesesuaian penerapan murabahah dan rahn dengan Fatwa DSN-MUI, jenis penelitian ini adalah deskriptif kualitatif dengan pendekatan fenomenologi, teknik pengumpulan data dalam penelitian ini adalah observasi, wawancara dan dokumentasi. Teknik analisis data menggunakan reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa: 1) Konsep murabahah dalam penjualan produk emas Antam di Pegadaian Syariah Cabang Solo Baru mengandung konsep murabahah lil amiir bis syria', yaitu konsep pembiayaan yang mendominasi praktik keuangan Lembaga Keuangan Syariah. dibandingkan dengan konsep pembiayaan lainnya. Kemudian ada dua bentuk murabahah, yaitu: murabahah bersama dengan rahn (pembelian emas dengan sistem angsuran) dan murabahah bersama dengan wakalah (pembelian emas yang diwakili). 2) konsep rahn akad qardh dengan jaminan emas Antam di cabang baru pegadaian syariah solo memiliki tiga akad, yaitu: qard dalam pemberian pinjaman, kemudian rahn dalam memegang agunan emas, dan ijarah sebagai jasa pemeliharaan bagi yang digadaikan. barang-barang. 3) pelaksanaan murabahah dan rahn sesuai dengan Fatwa DSN MUI, baik Fatwa No.04/DSN-MUI/IV/2000 tentang murabahah maupun Fatwa No.25/DSN-MUI/III/2002 tentang rahn. Kata kunci: Konsep, Murabahah, Rahn, Produk Emas Mulia, DSN MUI.

KONSEP PUBLIC GOODS DAN FLOW CONCEPT DALAM UANG MENURUT EKONOMI ISLAM susila, susila; Rafiâ€™i, Muhammad; Suci, Mirna; Raya, Bella Cinu; Mumtazah, Nada Luqyana
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 1 (2022): Juni 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i1.12615

Islam views money as a medium of exchange, not as a commodity. Widespread awareness of the role of money aims to eliminate injustice and injustice in the exchange economy. they are classified as fadl riba. Exchange is an unrealistic method of exchange and proves the unimportance of the overall market mechanism. Literature study is data deepening based on theoretical studies and scientific work references. descriptive qualitative research. Data collection techniques in literature study, namely the collection of literature related to research, then analysis and conclusions about public goods, namely the general public can use it without disturbing the use by other people or certain parties. The money saved is not used for the manufacturing sector (idle assets). This amount is reduced because of the obligation of zakat on Muslims. So the money must be rotated (the concept of cash flow). Should not be productive and used as a transaction tool. Like the spirit of Fastabigul Hoyrot, Islam encourages competition in the economic field. alms, waqf, and other activities. The money must also be used for investments and contracts such as musyarokah, mudharabah, wadiah, qardh, and others, in the real sector, as exemplified by the Prophet Muhammad.

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Jawa timur

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