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IMPLEMENTATION OF QABDH REQUIREMENTS IN MURABAHA FINANCING AT KOPERASI SYIRKAH BERKAH BERSAMA (KSBB) SIDOARJO Wibowo, Endro
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 8 No 1 (2024): Juni
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v8i1.20065

One of the financing procedures that are not by Sharia principles in Murabaha financing is the practice of selling goods by an Islamic Financing Institution before they are owned to financing customers. Seeing this phenomenon, Koperasi Syirkah Berkah Bersama (KSBB) took the initiative to become a Sharia financial institution capable of serving its members through Murabaha financing by really paying attention to Sharia compliance, especially from the aspect of implementing handover or qabdh in Murabaha financing. The purpose of this study is to find out how the implementation of handover or qabdh in Murabaha financing and the analysis of sharia compliance with this implementation at KSBB Sidoarjo. The research method used in this study is qualitative research with a case study approach. The data analysis technique used is descriptive-qualitative analysis. The research data comes from interviews with several informants and documents related to Murabaha financing at KSBB. The data that has been obtained is analyzed and compared with related theories. The results of this research indicate that in the process of Murabaha financing at KSBB, the management of KSBB does not represent members in purchasing the goods submitted to suppliers. KSBB also ensures that the goods are fully controlled before being sold to members who apply for financing. The entire Murabaha financing process at KSBB, especially from the qabdh aspect, does not violate sharia compliance set by the DSN MUI.

ANALISIS AZAS MANFAAT DAN AKAD PINJAMAN ONLINE DALAM PERSPEKTIF EKONOMI SYARIAH: STUDI LITERATUR Putri, Beatrixs Sugi Santoso
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.v7i2.20328

Technological sophistication is overgrowing to make it easier for humans in all their activities. One sector that takes advantage of technological sophistication is financial services. P2P lending refers to the provision of financial services that bring together lenders and loan receivers in the context of engaging into loa and borrowing agreements cia an electronic system that uses the internet network. The ease of the P2P Lending service offered by this online loan is very tempting for users. However, many Muslim people are still unwilling to do so. This study purposes to establish the principle of benefits and online loan agreements from an Islamic economic perspective. This research type is descriptive qualitative research using a systematic literature review. The research data is from 6 journals related to online lending from the perspective of Islamic economics published in 2020-2022. The study results show that online lending, or P2P lending, is a form of financial service utilizing technological sophistication. Online loans are permissible according to Sharia, but with various conditions that do not violate Sharia rules by MUI Fatwa No.117/DSN-MUI/II/2018. The principle of the benefits of giving loans in Islam is permissible to people who need debt to fulfill their needs based on mutual help in good matters. According to the Islamic economy, online loan transactions are classified as accounts payable (Qarḍh). In Islam, qardh is valid if the parties fulfill the conditions and pillars. If one of the conditions and pillars is not fulfilled, the qardh contract becomes invalid. Thus, the debts are considered to have occurred if the pillars and conditions of the debts themselves have been fulfilled.

NON-PERFORMING FINANCING RISK ANALYSIS: AN ISLAMIC RURAL BANK DURING PANDEMIC COVID-19 Laurin Azwita; Wahyudi, Rofiul
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.v7i2.20425

One of the problems faced by BPR Syariah in distributing financing is the risk of default. This study aims to analyze the risk of non-performing financing during the Covid-19 pandemic at BPR Syariah BDW. This study uses a qualitative method with a case study approach. The research subjects focused on the head of the marketing department, account officer, and director of BPR Syariah BDW. This research was conducted for two months, from March to April 2021. Data collection used observation techniques, in-depth interviews, and documentation. The research findings show that BPR Syariah BDW during the COVID-19 pandemic has implemented appropriate steps in identifying, measuring, monitoring, and controlling some of the risks faced. Furthermore, BPR Syariah carries out effective internal control, starting from identification to evaluating types of risk.

TINJAUAN MAQÂSID AL-SYARÎ’AH TERHADAP BUDAYA ORGANISASI DAN SUMBER DAYA MANUSIA DALAM KASUS MERGER BANK SYARIAH INDONESIA Rukayah, Rukayah
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.v7i2.20443

Post-merger integration will definitely bring up new dynamics or problems in aspects of corporate culture and human resources. The clash of organizational culture conflicts is a critical factor that determines the success or failure of a merger process, therefore, the topic of organizational culture is an important one to study because, from here, the identity of a business organization will be revealed. Implementation of a good organizational culture will definitely be directly proportional to sharia compliance. Two years after the merger, Bank Sharia Indonesia has shown a positive trend towards the company's performance. The problem of this research can be formulated as follows: how is the strategy of Bank Sharia Indonesia in harmonizing organizational culture clashes during mergers, how is the implementation of sharia values (sharia compliance), and how is the review of maqâsid al-syarî'ah in both of these? This study aims to determine the strategy of Bank Sharia Indonesia in harmonizing organizational culture clashes that arise during a merger and how it is implemented in adherence to sharia values. The method used in this research is descriptive-qualitative with a case study approach. The results of this study found BSI strategies for harmonizing organizational culture. First, the BSI founder created the "AKHLAK" work culture, called trustworthy, competent, harmonious, loyal, adaptive, and collaborative, which was applied to all BSI personnel. Secondly, they consolidated before the merger the legal action of the three banks in the merger process; BSI did not lay off any of the HR of the banks participating in the merger.

Hukum dan Eksistensi Jual Beli Crypto untuk Investasi Dalam Perspektif Ekonomi Islam dan Ekonomi Sosial "Studi Literasi dan Komparasi pada Masyarakat" Meriyati; Arifin, Imamul; Arismanto, Dimas Fahrul Putra; Rizal, Muhammad; Mustamiruddin
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.v7i2.20456

In traditional economics, money serves as a universally accepted medium for exchanging goods or services. However, in today's ultramodern economy, cryptocurrencies like Bitcoin have emerged as widely accepted means of payment, wealth accumulation, and value measurement. Despite their potential for simplifying transactions and fostering trade, these digital currencies are viewed cautiously in some contexts. Indonesia, while legalizing Bitcoin and crypto assets, restricts their use as a payment method due to concerns about preserving the value of its national currency and the prevalence of existing e-wallets and mobile banking systems. From an analytical standpoint, investing in cryptocurrencies is recognized as highly volatile, carrying unpredictable risks of value fluctuations. Furthermore, in Islamic Sharia law, such transactions are considered haram lighairihi due to their speculative nature. This research delves into the legal and economic aspects of digital currencies, particularly Bitcoin, highlighting their implications within Indonesia's economic framework while acknowledging their risks and regulatory considerations.Top of Form

ANALISIS KESADARAN HALAL PADA PELAKU USAHA MIKRO KECIL DI SEKITAR KAMPUS UNIVERSITAS TRUNOJOYO MADURA Zaman, Badrus; Faraby, Muhammad Ersya
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.v7i2.20470

In today's developments, the most common object for business actors is small businesses such as selling food, snacks and others. People need to ensure that the products they consume are halal and their halalness is guaranteed by the government. This research aims to see the results of halal awareness among business actors. micro and small businesses around the Trunojoyo Madura University campus, this research uses qualitative methods because it collects information through interviews, observation, documentation and analysis of informant data with 10 micro and small business actors around the Trunojoyo Madura University campus, thereby producing data analysis and getting appropriate answers with informants, this research data also uses primary and secondary data techniques. The results of the research show the level of halal awareness of micro and small business actors around campus, one of which said that it depends on the flow that a person follows and some of them remain by Islamic law.

ANALISIS STRATEGI PEMASARAN PADA BISNIS JASA TITIP BERDASARKAN PRINSIP-PRINSIP ETIKA BISNIS ISLAM (STUDI KASUS PADA INSTAGRAM @TWINSCOLL_) Laili, Nor Alfi; Burhan Noor Hasan, Dony
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.v7i2.20484

Online buying and selling has now spread worldwide, with trading systems and types of products being highly diversified. Consequently, proxy shopping services have emerged to facilitate the shopping process for the public. @twinscoll_ is one of the deposit service providers that has been running its business for quite some time. However, there are several reasons that make this proxy shopping business less effective. This research aims to identify and analyze the marketing strategies employed by the deposit service provider @twinscoll_ based on the principles of Islamic business ethics.The research methodology utilized in this study is qualitative, employing interview techniques with online purchasing service providers. Data sources include books, journals, and other references related to this research. This research is conducted due to the identification of some principles that do not align with Islamic business ethics, necessitating a shift in the business model based on Islamic principles. Therefore, this study explores new strategies implemented by the proxy shopping service in introducing or marketing its business without compromising Islamic principles.

HOW IS THE IMPLEMENTATION OF HALAL SELF DECLAIRE CERTIFICATION IN MICRO AND SMALL ENTERPRISES IN SURABAYA? Aristyanto, Erwan; Sarwo Edi , Agus; Asj’ari, Fachrudy
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.v7i2.20486

This research aims to explore, analyze, and evaluate the implementation of halal certification for micro and small businesses through BPJPH (Indonesian Halal Certification Agency) and to understand how this certification process functions for these businesses in Surabaya from an Islamic economic perspective. Conducted as part of the Wijaya Putra University's Higher Education Research Strategic Plan for 2020–2024 in the field of Managing Innovation and creative Industry, this study utilizes a descriptive qualitative method. Data collection involved observation, interviews, and note-taking, followed by analysis stages including data collection, reduction, presentation, conclusion, and verification. The findings indicate that the BPJPH halal certification process for micro and small businesses in Surabaya in 2023, particularly for food products, involves several stages from online registration to certification approval after inspections and a Fatwa Commission hearing. From an Islamic economic standpoint, halal certification applies ethical principles such as aqidah, Siddiq, and Amanah, emphasizing the significance of halal food, assurance, security, and consumer protection for both consumers and business operators.

DEFERRED PAYMENT IN GOODS TRANSACTIONS WITH GOLD GUARANTEE (AN ISLAMIC LEGAL PERSPECTIVE) Arifin, Neli
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 8 No 1 (2024): Juni
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v8i1.20648

This study aims to analyze deferred payment transactions in goods with a gold guarantee from the perspective of Islamic law. The research was conducted in Tebing Batu Village, Sebawi District, focusing on the understanding and practices of the community regarding such transactions. The research method employed was descriptive-analytical with a qualitative approach. Data were collected through observation, interviews, and documentary studies. The findings indicate that transactions involving deferred payment with a gold guarantee are a common practice in Tebing Batu Village. The community perceives it as an alternative allowing them to meet daily needs without immediate cash payment. However, there are diverse understandings and implementations related to Islamic legal aspects in these transactions. From the Islamic law perspective, transactions involving gold-backed deferred payments raise several considerations including principles of justice, freedom, and clarity in agreements. The study also explores scholars' views on the validity of such transactions according to Islamic jurisprudence. In conclusion, deferred payment transactions with a gold guarantee in Tebing Batu Village present complexities from the perspective of Islamic law. Therefore, a deep understanding and dialogue among the community, scholars, and government are necessary to ensure that these practices align with the values and principles of Islamic law cherished by the local community.

ANALISIS PROSEDUR PEMBIAYAAN PRODUK CICIL EMAS BSI DALAM UPAYA MENINGKATKAN NASABAH PADA BANK SYARIAH INDONESIA KC BOJONEGORO Rahayu Ningsih, Putri; Rahman, Taufiqur
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.v7i2.20651

This research aims to determine the financing procedures for BSI gold installment products to increase financing customers for Bank Syariah Indonesia KC Bojonegoro. The Gold Installment Product is a financing product provided by BSI. However, the BSI gold installment product is not yet known to the public, this is indicated by the low number of financing customers at BSI KC Bojonegoro. The low number of BSI gold installment financing customers is due to a lack of public literacy regarding procedures for financing gold installment products. This research uses a qualitative descriptive research method. The data collection and analysis methods used are primary data in the form of observations and interviews, as well as secondary data in the form of journals, articles, books, and mass media related to research. The data analysis technique in this research is Miles and Huberman analysis. Covers four main things, namely data collection, data reduction, data presentation, and drawing conclusions or verification. The results of the discussion show that: The procedures for financing gold installment products at BSI KC Bojonegoro have been implemented by the provisions set by the BSI head office. The development of the number of gold installment customers at BSI KC Bojonegoro is said to be good and continues to increase every year. This development cannot be separated from the efforts made by BSI KC Bojonegoro. For this reason, the gold installment product has succeeded in increasing BSI KC Bojonegoro financing customers.

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Journal Mail Official
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Kota surabaya,

Jawa timur

INDONESIA