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Justisia Ekonomika
Published by Universitas Muhammadiyah Surabaya
ISSN : 25985043     EISSN : 2614865X     DOI : https://doi.org/10.30651/justeko.v7i2
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Articles 374 Documents
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EKSEKUSI JAMINAN DALAM PEMBIAYAAN MURABAHAH PADA BANK UMUM SYARIAH Awaliyah, Robi’ah; 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.v6i1.12746

Abstract

This article is a library research with research data sources sourced from primary and secondary sources. The primary data sources in this study are the Qur'an, hadith, laws, and fatwa. While the secondary sources are books, journals, theses, websites and others. The data analysis method used is a qualitative-descriptive analysis method. One of the financing contracts used by prospective customers to Islamic banks in meeting customer needs is murabahah. Murabahah is a term in Islamic jurisprudence which means a certain form of buying and selling when the seller states the cost of acquiring the goods, including the price of the goods and other costs incurred to obtain the goods, and the desired level of profit (margin). In supporting the continuity of the murabahah contract, Islamic banks need guarantees to minimize risk, for customers who break their promises. Efforts to resolve customer problems in murabahah financing are carried out in 2 (two) stages, namely rescue efforts and settlement efforts. The final solution if the customer has not been able to pay off the debt is by executing the collateral, either by taking over the collateral by the bank, selling it voluntarily or selling the collateral through auction.Keywords: Murabaha, Guarantee, execution
FAKTOR PENYEBAB RENDAHNYA MINAT MAHASISWA UNTUK BERINVESTASI Widiyastuti, Anissa; Nashirudin, Muh
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.v6i1.13331

Abstract

Minat seseorang dapat dipengaruhi oleh faktor internal ataupun eksternal. Seperti halnya minat mahasiswa untuk melakukan investasi. Rendahnya minat mahasiswa untuk investasi disebabkan oleh ketidak percayaan diri untuk mengatasi segala risiko yang ada nantinya. Mahasiswa memilih jalur aman sehingga ia enggan berinvestasi, kemudian selanjutnya pemahaman yang minim mahasiswa terkait investasi di pasar modal baik konven ataupun syariah sehingga bagaimana mahasiswa akan berinvestasi padahal ia tidak memiliki pengetahuan yang memadai untuk berinvestasi. Sedangkan faktor eksternal dapat berupa kurangnya pemerataan promosi untuk edukasi investasi. Seperti pratikum pasar modal masih dilakukan sebatas FEBI saja belum menjamah fakultas yang lain sehingga Fakultas dilain FEBI masih sangat minim pengetahuan terkait pasar modal, selain itu faktor lainnya yang fundamental adalah terkendala pada ketidakpunyaan dana sehingga lebih prioritas kebutuhan pokok dan keperluan kuliah dibandingkan melakukan investasi apalagi investasi untuk jangka panjang.
ANALISIS PEMBIAYAAN BERMASALAH DI BANK WAKAF MIKRO PADA MASA PANDEMI COVID-19 (Studi Kasus di Bank Wakaf Mikro Al Fithrah Surabaya) Mustofa, Ahmad Habib
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to identify and analyze non performing financing at Bank Wakaf Mikro (BWM) Al Fithrah during the covid-19 pandemic. This type of research is descriptive qualitative using case study method at BWM Al Fithrah Surabaya. Research data was collected by direct observation and interviews with manager, supervisor, and customers at BWM Al Fithrah Surabaya regarding non performing financing during the Covid-19 pandemic, added with documents and financial reports. The data was processed by researcher, validated by triangulation techniques and analyzed with a descriptive-qualitative mindset. The results of the study conclude: Firstly, the increasing ratio of non performing financing during the Covid-19 pandemic in 2020 was caused by declining customer’s income and the accompaniment named Halaqah Mingguan (HALMI) activities being temporarily suspended. Secondly, the trend of non performing financing ratio decreased during the Covid-19 pandemic in 2021 because HALMI activities had been implemented again, supported by regular payments from customers due to their business innovations that made their business run as usual, although the non performing financing  level was still relatively high due to the payment arrears from HALMI Barokah group which was disbanded during the covid-19 pandemic in 2020. Suggestions from researchers are: Firstly, HALMI should still be implemented in any situation, because it has been proven successful in minimizing non performing financing. Secondly, providing knowledge to customers about the importance of business innovation. Third, provide references and training so that customers will be able to expand their business.Keywords: Non Performing Financing, Covid-19 Pandemic, Bank Wakaf Mikro.
Sejarah Peradaban Perekonomian Masa Sebelum Nubuwah dan Saat Masa Nubuwah (Rasulullah Saw) Maula, Atiqatul; Latifah, Luluk
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 7 No 1 (2023): Juni 2023
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v7i1.13774

Abstract

Economic development is now increasingly rapid along with the times, there are many records that say that the Islamic economy existed long before the conventional economy emerged. Based on the content in the verses of the Qur'an, especially about the stories of the Prophets and Apostles, it can be seen that economic practices have existed since the time of the Prophet Adam. While Islamic economic thought itself began since the revelation of the Qur'an and the lifetime of the Prophet at the end of the 6th century AD to the beginning of the 7th century AD. Starting with the life of Prophet Adam as the first creature created by Allah SWT, it has been explained in the Qur'an about his early life while in heaven which was then revealed to earth and how Prophet Adam lived a life on earth that was much different from in heaven, thus it can be concluded that It can be seen that the values of economics have actually existed since the first creature was created, namely the prophet Adam.Keywords: Islamic economics, before prophecy, the time of the Prophet
KARAKTERISTIK DINAMISITAS HUKUM MUAMALAH TENTANG RAHN DALAM TEORI DAN PRAKTIK (Pertarungan Antara Formalitas Versus Substansialitas Hukum Muamalah) Uddin, Jamil; Afriadi, Wawan
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i2.14264

Abstract

Rahn, as a topic discussion, in Muamalah studies is indivisible from some theories developed by Islamic scholars to formulate various substantive practices. This study deployed literature-review as a research method in purpose to discuss some secondary and primary data such as Islamic-law from the Quran, Al-Hadiths and affirmative-law in Indonesia with Fiqh books as a writing guidance. The results found that there were some similarities and differences regarding Rahn based on two scholars; Hanafi’s and Syafi’s perspectives. In establishing a law (law-istinbath) by Abu Hanifah was utilizing his own Fiqh to be more substantial to discuss the Rahn or Law Istinbath (law establishment) method. What had been done by this mazhab was basically from the Quran, Al-Hadits (As-sunnah), Aqwal al-Shahabah (The opinion of the prophet’s companions), Ijma’, Qiyas, Istihsan, and Urf (Custom). Meanwhile, Al-Imam Syafi’i conceptualized the law istimbath (law-establishment) by the reference in his I’rab Ar-risalah; the Quran, As-sunnah, Ijma’, Qiya, and Istidlal (Istishab). The similarities and differences according to Hanafiyah-scholars that the mazhab divided into two categories in which as absolute approval and absolute refusal. To Syafi’iyah-scholars that the murtahîn were forbidden to utilize the marhun yet they only had right to detain it. The Marhun can only be used by Râhin as the owner. However, in term of Râhin gave permission, the Marhun could utilize it.
KONSEP WAKAF DALAM TRANSAKSI HUKUM EKONOMI SYARI’AH MENURUT PEMIKIRAN M.ABDUL MANNAN haqiqiah, nailatus sa'adah; Yunus, Ayi
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i2.14338

Abstract

 M. Abdul Mannan is a Muslim thinker who was born in 1938, he is one of the economic thinkers in the contemporary era. His intelligence in criticizing the thoughts of various economic figures associated with Islamic law such as waqf, determines the basic economic function, which consists of consumption, production and distribution. As a scientist and academic, one of his most popular works is Islamic Economics: Theory and Practice. So from his prowess in economic thought, this paper will describe some of M.Abdul Mannan's thoughts related to economic problems, especially in the field of waqf transactions. This writing uses a descriptive method using library research, namely literature review from several book sources as well as other scientific journals. Through this paper, it can be seen some of the thoughts of M. Abdul Mannan. The conclusions drawn from this paper are the basic economic function applied by Abdul Mannan based on Islamic law which rejects antisocial and there are several operational steps, and the waqf sector Abdul Mannan said that cash waqf is better to involve Islamic banks as organizers because it is felt to managed in a transparent and accountable manner
KONTRAK MURABAHAH PADA PRAKTIK LEMBAGA KEUANGAN SYARIAH DAN PROBLEMATIKANYA Itona, Tuah
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i2.14371

Abstract

 Murabahah contracts are the most dominant transactions in financing contracts at Islamic Financial Institutions, because they are more consumptive in nature. The customer uses a murabahah contract with credit or installment financing by paying agreeing to the time defined in the initial contract agreement, but since the COVID-19 epidemic has commanded a biggish bump on the economy in the country, government, financial institutions, and the lower middle class especially those who have difficulty earning income and even employees who are laid off from their jobs. So that the financing agreement that was previously implemented becomes problematic because of bad credit financing. This study discusses how to deal with murabahah credit financing during the pandemic and how government policies minimize these problems. The breed of this exploration is archive exploration, the analysis applied in this research is qualitative and descriptive analysis, the data collection method uses the observation method. The results showed that in financing murabahah loans that were problematic during the pandemic, the government issued a policy through Financial Services Authority Regulation Number 48/POJK.03/2020 concerning Amendments to Financial Services Authority Regulation Number 11/POJK.03/2020 concerning National Economic Push as a Contracyclical Policy for the Impact of the Converlet of Corona Virus Disease 2019. In which there is one strategy by implementing credit restructuring or in this case financing as a rescue Try not to get worse and makes it difficult to resolve customer incompetence.
THE REALITY OF SHARIA BANKING IN INDONESIA; CRITICAL ANALYSIS OF SHARIA ECONOMIC LAW PERSPECTIVE Khasanah, Karimatul; Khikmah, Nurul
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i2.14999

Abstract

 This article highlights the criticism directed at Islamic banks where many parties think there is no difference between Islamic banking and conventional banks. This assumption comes from at least three realities, firstly, Islamic bank capital comes from conventional banks, secondly, mudarabah which in its implementation, banks provide non-goods funds, and thirdly, Islamic bank products that use mudarabah in practice are different from the theory of mudarabah in classical fiqh. The perspective of Islamic economic law is appropriate to be used to answer these problems. The type of research used in this paper is normative legal research. The data sources used in this paper are primary data in the form of laws and Islamic legal literature. The type of approach in this paper is a conceptual approach, the concept intended is the theories that exist in Islamic law, specifically the theory of mixing halal and haram, the concept of mudharabah and murabahah according to fiqh. This study uses a qualitative method with a literature review approach (library research). The results of the study conclude that Islamic banking capital originating from conventional banks does not damage the contracts made by Islamic banking. Murabahah and mudarabah contracts which in their application are different from classical fiqh theory are actually forms of contract innovation because they adapt to current needs and as a form of embodiment of the principles that exist in sharia economic law.
Hukum Ekonomi Syariah dan Dampaknya Terhadap Perkembangan Hubungan Bisnis Muslim dan Non-Muslim di Timur Tengah Studi Kasus Uni Emirat Arab Siregar, Muhammad Rafi; Rifai, Ahmad; -, Mariana
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i2.15036

Abstract

The United Arab Emirates is a federation of seven emirates: Ajman, Dubai, Sharjah, Abu Dhabi, um Al-Quwain, Ras Al Khaimah and Emirate of Ras Al Khaimah. The United Arab Emirates is located near the Persian Gulf in the Northeastern part of the Arabian Peninsula; it was founded in 1971 by Sheikh Zayed Al Nahyan. The country's diverse culture and geographic location as a crossroads make it a prime location for commerce and trade. There are currently three emirates in the country: Fujairah, Ras al-Buradj, and Sharjah. Islam plays a crucial role in Gulf culture. Because of this, the role of Islamic principles in dispute resolution and trade is considered a key aspect. This article discusses how Sharia Economic Law affects both Muslim and non-Muslim business relationships in the United Arab Emirates and Dubai. Looking at Law and Development from an Islamic Perspective By addressing the impact of Shariah economic law on economic development, a new vision of legal theory and development is proposed. TRANSLATE with x EnglishArabicHebrewPolishBulgarianHindiPortugueseCatalanHmong DawRomanianChinese SimplifiedHungarianRussianChinese TraditionalIndonesianSlovakCzechItalianSlovenianDanishJapaneseSpanishDutchKlingonSwedishEnglishKoreanThaiEstonianLatvianTurkishFinnishLithuanianUkrainianFrenchMalayUrduGermanMalteseVietnameseGreekNorwegianWelshHaitian CreolePersian //  TRANSLATE with COPY THE URL BELOW Back EMBED THE SNIPPET BELOW IN YOUR SITE Enable collaborative features and customize widget: Bing Webmaster PortalBack//   This page is in English Translate to Indonesian    AfrikaansAlbanianAmharicArabicArmenianAzerbaijaniBengaliBulgarianCatalanCroatianCzechDanishDutchEnglishEstonianFinnishFrenchGermanGreekGujaratiHaitian CreoleHebrewHindiHungarianIcelandicIndonesianItalianJapaneseKannadaKazakhKhmerKoreanKurdish (Kurmanji)LaoLatvianLithuanianMalagasyMalayMalayalamMalteseMaoriMarathiMyanmar (Burmese)NepaliNorwegianPashtoPersianPolishPortuguesePunjabiRomanianRussianSamoanSimplified ChineseSlovakSlovenianSpanishSwedishTamilTeluguThaiTraditional ChineseTurkishUkrainianUrduVietnameseWelsh Always translate English to IndonesianPRO Never translate English Never translate journal.um-surabaya.ac.id
IMPLEMENTASI AKAD HIWALAH SEBAGAI SOLUSI PELUNASAN UTANG DI BMT MITRA MANDIRI WONOGIRI huda, Miftahul -
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i2.15160

Abstract

The birth of a sharia-based economic system should be a solution to various economic difficulties of the community. But, many of default cases that led to the settlement in Wonogiri Religious Court seemed to show that the principles of Sharia Economic Law were not seen in hiwalah agreement at BMT Mitra Mandiri. Based on that, this research was limited to answer the following problems : (1) How is the implementation of the hiwalah agreement at BMT Mitra Mandiri Wonogiri? (2) What are the problems that often arise from the implementation of hiwalah agreement at BMT Mitra Mandiri Wonogiri? (3) How is the implementation of the hiwalah agreement at BMT Mitra Mandiri Wonogiri in accordance to Sharia Economic Law? The research data can be collected at BMT Mitra Mandiri Wonogiri, thus this research can be categorized as a Field Research. The results of this research are : (1) BMT Mitra Mandiri Wonogiri set the terms and condition as stated in the Sharia Economic Law. They used hiwalah bil ujroh agreement that performed by saying ijab and qabul, pronounced clearly without any coercion. The object of the agreement was not forbidden by sharia. (2)  The problem that often arise was the customers did not fulfill their obligations. It was caused by uncertain economic conditions and the customers who like to delay payments. (3) the implementation of hiwalah financing was in accordance to Sharia Economic Law and the principles of tawhid, justice, maslahah, ta'awun, and caliphate.

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