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PROGRESIVITAS PENGELOLAAN DAN PENGEMBANGAN WAKAF UANG DI INDONESIA etihed, sudirman; Zainab, Zainab
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.v7i1.17355

In comparison to other Islamic nations, Indonesia has a very high cash waqf potential because the majority of its citizens are Muslims. Waqf is a way of goodness in Islam and has numerous virtues, hence it has a huge potential for growth. Indonesians are still competing to donate their best assets for waqf for both social and religious reasons. The large potential of the waqf must be followed by good management and development as well. This research uses descriptive analytical method with a qualitative approach. The findings of this study indicate that the potential for cash waqf will continue to increase along with the number of Indonesian Muslim population which is estimated to reach 237.56 million people, and to maximize the potential for cash waqf can be done by investing waqf funds in LKS products and/or Islamic financial instruments . Then the distribution of the profits from the cash waqf will be distributed toexcuse me This can be done with direct community development and empowerment programs managed by Nazhir waqf. or it can also be distribution of profits from cash waqf investments by carrying out community development and empowerment programs through partnerships with other empowerment institutions that meet institutional and professional eligibility criteriaKeywords : Cash Waqf, Nazhir, Development

Problematika Penerapan Mudharabah Mutlaqah di BMT UGT Nusantara Capem Blega Bangkalan Hakim, Edi Lukman
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.v7i1.17458

Â AbstractBMT Nusantara Blega Bangkalan Branch is one of the Islamic financial institutions that runs its business with a profit-sharing system without usury. One of the products is mudharabah mutlaqah financing. The fact shows that public interest in mudharabah mutlaqah financing is still very minimal. This research uses a qualitative approach with a case study approach. The research results are known. First, Mudharabah mutlaqah BMT Nusantara Financing for the Blega Bangkalan Branch did not run smoothly, this was caused by a lack of understanding of entrepreneurs in Blega village regarding the BMT mechanism and its products, to overcome this problem BMT UGT Nusantara implemented a solution in the form of understanding for entrepreneurs who did not understand the mudharabah financing mechanism mutlaqah, this aims to eliminate the negative stigma of entrepreneurs in Blega village related to this financing. The settlement of mudharabah mutlaqah financing problems is also accompanied by risk management by BMT UGT Nusantara, this aims to prevent similar problems in the futureKeywords: Problematics, Mudharabah Mutlaqah Financing, BMT UGT

Islamic Branding: Analisis Pengaruh Brand Identity Terhadap Brand Awareness Wardah Kosmetik utami, neni; sujianto, agus eko
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.v7i1.18058

Â This study aimed to examine the effect of Brand Identity on Brand Awareness among ASNs in Blitar Regency. The population used was 105 populations with 86 samples that fit the criteria, namely ASN and users of wardah cosmetics. Primary data is taken using a questionnaire distribution with a Likert scale of 1-5. The approach used is an associative quantitative approach. The tests carried out are validity tests, reliability tests, normality tests, simple regression tests, hypothesis tests, and coefficient of determination tests. The results of this study indicate that Brand Identity has a positive and significant effect on Brand Awareness of Wardah cosmetic products by 38.4%.Â Keywords: Cosmetic Industry, Islamic Branding, Brand Identity, Brand Awareness

MARKET STRUCTURE IN ISLAMIC PERSPECTIVE: A CRITICAL EXAMINATION OF THE TERMS PERFECT AND IMPERFECT COMPETITION Ninglasari, Sri Yayu; Himmawan, M. Fikri; Rosyidi, Luthfi Nur; Asyiah, Aas Nur
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.v7i1.18132

The purpose of this study is to examine the terms "perfect" and "imperfect" competition in the market structure from an Islamic economic perspective. This study employed a qualitative approach to library research as its methodology. The results of the literature review indicate that the structure of perfect competition has a close relationship with the Islamic market concept. This proximity is reflected in the price, which is determined according to the hadith of the Prophet Muhammad by supply and demand. In addition, it is believed that perfect market competition is a market structure that can benefit both consumers and producers. Moreover, elements of imperfect competition that can oppress consumers, such as monopolies, oligopolies, and monopolistic practices, must be avoided. In Islamic economics, however, there is no concept of competition because it is synonymous with war, fighting, and dumping, so the term "competition" in the concept of market structure is inappropriate. For this reason, a new concept is required, namely the ta'awun market, in which the market in Islamic economics should be a place and a means of mutual assistance.Keywords:Â Market structure, Islamic perspective, perfect competition, imperfect competitionÂ

EVALUASI STRATEGI PEMASARAN PRODUK PEMBIAYAAN MULTIMANFAAT IB PADA MASA PANDEMI (STUDI KASUS BANK BTN SYARIAH KANTOR CABANG BEKASI) Putra, Purnama; Putri, Elita Ichwan; Khoiriyah, Ummi
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.v7i1.18282

Bank BTN Syariah is a strategic business unit of PT Bank Tabungan Negara (BTN) Persero which focuses on improving business processes and the quality of the financing portfolio with sharia principles. However, there is a decline in the distribution of MultiManfaat (multi-merits) financing at BTN Syariah in the past year due to the Covid-19 pandemic. Therefore, to find out the adjustments in the marketing of financing products, an evaluation of the marketing strategy is needed. The formulation of alternative marketing strategies through analysis of Strengths, Weaknesses, Opportunities, Threats (SWOT) can be used as a formulation tool in formulating corporate strategies, starting by identifying internal and external environmental factors. Furthermore, the IFAS and EFAS matrices were compiled which became the basis for the preparation of the SWOT matrix and IE matrix so that the distribution of MultiManfaat IB financing products can immediately meet the target, and become a successful consumer financing product demanded by BTN Syariah customers. The results of the present study state that the condition of BTN Syariah KC Bekasi is in the Grow and Build positions.Â Keyword:Â Evaluation, IFAS & EFAS, Marketing Strategy

ANALISIS HUKUM CRYTOCURRENCY KAJIAN FIQH DAN FATWA-FATWA DI LUAR NEGERI Mufatzizah, Maranda Sukma
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.v7i1.18313

Cryptocurrency is the first application of blockchain technology, but the potential of this technology is not limited to the monetary system and its widespread adoption is still a worldwide topic causing many countries to hide this cryptocurrency. Here the author tries to assess crypto assets based on studies of fikih and fatwa abroad. In this study the authors used sociological legal research, this research method serves to see the law in a real sense and examine how the law works in society. To analyze existing theories, this study uses a conceptual approach to analyze existing theories so that solutions to legal problems can be found. The results in this study are that there are two thoughts, the first school of thought argues that cryptocurrencies can be used for payments, remittances, and storing assets as long as users know in detail the types of cryptocurrencies, the second opinion is prohibited in the eyes of Sharia because of excessive risks for individuals, countries and no clear laws. conclusions in this study. In the view of fikih scholars who allow it to refer to the understanding that fluctuations in crypto are not classified as gharar, especially for people who have cryptocurrency knowledge. from the results of the fatwa analysis of the permissibility of cryptocurrency, namely in Malaysia, LBM PWNU Yogyakarta Indonesia and in China in accordance with the fatwa and legal provisions, while those that prohibit it are in Middle Eastern countries and LBM PWNU East Java Indonesia.Keywords: Cryptocurrency, Fikih and Fatwa Studies

STRATEGI MARKETING MIX SYARIAH UNTUK BISNIS ONLINE DALAM MENINGKATKAN PENJUALAN PADA LUMINTU MUKENA GROSIR TULUNGAGUNG Rinawati, Yuni -; Zahro, Nuril Amirotus; Sujianto, Agus Eko
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 7 No 2 (2023): Desember 2023
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v7i2.18590

This study aims to determine the application of sharia marketing mix at Lumintu Mukena Grosir Tulungagung in increasing sales. The research approach used is qualitative with deep interviews and case study research types. Data is sourced from interviews, observations and documentation. The results of this study show that the application of sharia marketing mix at Lumintu Mukena Grosir Tulungagung consists of 4p, namely (1) Product, where the product is made from harmless materials, prioritizes quality, includes special characteristics on the product, namely with manual embroidery and there is no element of fraud because the product sent is in accordance with the image listed on the sales media. (2) Price, where the price of the product adjusts to the quality of the product sold or ordered by the customer such as in terms of the type of fabric, size, model, motif, to color. (3) Place or distribution, where the distribution is carried out using a trusted shipping service and in keeping the goods in good condition, packaging is considered in such a way. (4) Promotion, in promoting its products is carried out through social networks such as, Whatsaap, Facebook, and Shopee, where this promotion adjusts to the conditions of the product.

THE SYSTEM OF BUYING AND SELLING ARISAN MONEY IN ANTHROPOLOGY REVIEW OF ISLAMIC LAW (Case Study In Toteker Hamlet, West Banuaju Village, Batang-Batang, Sumenep) Fatah, Hairil; Nashirudin, Muh; M Usman
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 7 No 2 (2023): Desember 2023
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v7i2.18728

The sale and purchase of arisan money in Toteker Hamlet, West Banuaju Village, Batang-Batang District, Sumenep is a practice that has been carried out for generations, not only by members of the arisan from among the farmers, but also by members of community leaders, and the parties involved become the power it is interesting to reveal the reasons and factors behind it, as well as the unclear status of Islamic law. This study aims to analyze the system of buying and selling arisan money in an anthropology review of Islamic law, revealing the identity of the parties involved, the underlying factors, and the reasons for carrying out the practice of buying and selling. This research method uses field qualitative methods with data collection procedures through observation, interviews, and documentation. The results showed that the system of buying and selling arisan money is an act that is forbidden because there is an additional advantage from buying and selling money with the same type of money, this is done under forced circumstances, and there is hilah done by one of the community leaders.Keywords: Anthropology, Buying and Selling, Arisan

ANALISIS HUKUM EKONOMI SYARIAH TERHADAP KEHALALAN PRODUK MAKANAN ONLINE TANPA SERTIFIKAT HALAL MUI Rais, Amin; Maimun, Maimun; Zaelani, Abdul Qodir; Faizal, Liky
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 7 No 2 (2023): Desember 2023
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v7i2.18773

This article aims to explain the results of the author's analysis of the implementation of halal certificates on food products sold online, inhibiting and supporting factors for the application of halal certificates to food sold online, and the impact of Sharia economic law on the haleness of food products sold online without halal certificates. The results of the 2021 survey on e-commerce statistics show that the types of goods and services sold the most online in Lampung are food and beverage groups, totaling 40.86 percent of all businesses sampled by e-commerce. The rapid progress of buying and selling food online has become an additional task for halal certificate implementation agencies in providing security and comfort, especially for Muslim consumers in Indonesia, so they can consume halal food that is traded online. The research methodology that the author uses is qualitative in terms of the type of research documentation, interviews, and observations. The author goes directly to the field to conduct observations and interviews with primary data derived from the results of interviews with the BPJPH task force and LPPOM MUI. The results of the study show that there are no special strategies for food sold online. Supporting factors include the existence of institutions assisting the halal product process for MSME business actors. The inhibiting factor is that there is no direct regulation of cooperation with online business application server managers, a lack of public understanding of halal certificates, Analysis of Sharia Economic Law on the haleness of food products sold online: the haleness of products sold online or offline without MUI halal certificates are categorized as syubhat. According to Imam Nawawi, doing syubhat is form of underestimating.the.law.without.realizing.that.they.have.done.haram.

PANDANGAN ANTROPOLOGI TERHADAP PRAKTIK AKAD MUSYARAKAH DAN PROBLEMATIKANYA DI LEMBAGA KEUANGAN SYARIAH HAMZAH, MOH.; SARI, EKA PERMATA
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 7 No 2 (2023): Desember 2023
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v7i2.19957

This research will comprehensively answer, describe, and explain in detail the context of problems that occur in musyarakah contracts. Therefore, this research will reveal the veil of understanding by focusing on the anthropological view of the implementation of musyarakah contracts, both in terms of the application of the contract and sharia principles, as well as the problems that often occur in musyarakah contracts in the operations of sharia financial institutions. This research is a type of normative-empirical research, which is an anthropological approach. The data used are primary and secondary data which are then analyzed using argumentative analysis techniques. The results and conclusions of this research are that musyarakah exists as a method for practicing and implementing Islamic religious values, where this also includes the concept of hifdz mall (maintenance of assets) which is essentially part of the objectives of sharia itself. Although problems often occur in the musyarakah contracts carried out intentionally by the parties or unpredictable force majeure, these musyarakah contracts can be maximized again by using good and correct solutions by Sharia financial institutions. With the concept of the musyarakah contract, Sharia financial institutions have a mission to fight ignorance, poverty, tyranny, evil, and injustice in economic activities to achieve al-falah (prosperity in this world and the hereafter).

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