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<![CDATA[ANALYSIS OF IJTIHAD METHOD AND ISTINBATH JURISPRUDENCE IN FATWĀ DEWAN SYARIAH WAHDAH ISLAMIYAH REGARDING THE USE OF ONLINE PAYMENT ]]>
<![CDATA[Azwar Iskandar]]>;
<![CDATA[Muhammad Yusram]]>;
<![CDATA[Aswanto Muhammad Takwi Hede]]>
<![CDATA[ Tasharruf: Journal Economics and Business of Islam Vol 5, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Manado ]]>
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DOI: 10.30984/tjebi.v5i1.1102
<![CDATA[ This study aimed to: (1) recognize the reason behind the fatwa of Sharia Council of Wahdah Islamiyah on the law of the use of GoPay and the like; (2) identify the method of ijtihad implemented by Sharia Council of Wahdah Islamiyah in issuing their fatwas; and (3) analyze the method of istinbath for the fatwa of Sharia Council of Wahdah Islamiyah on the law of the use of GoPay and the like. The research method used was descriptive-qualitative field research with a qualitative-descriptive approach with content analysis techniques approach, library research, and normative (juridical normative). The results show that Sharia Council of Wahdah Islamiyah issued a fatwa owing to the need of community, specifically cadres and followers of Wahdah Islamiyah in Indonesia. In their method of ijtihad, Sharia Council of Wahdah Islamiyah consider that the Koran, Sunnah, consensus, and qiyas are propositions agreed upon by the scholars of ahlussunnah wal jamaah. Each fatwa issued by Sharia Council of Wahdah Islamiyah is collective fatwa through a deliberation process in a closed meeting of the board. Sharia Council of Wahdah Islamiyah issued that the basic law of the use of GoPay and similar payment is permissible on condition that it fulfills the rules of the sharf (exchange of money), in which discounts obtained through GoPay payments and the like are considered athaya (gifts) which are permitted and are not considered benefit of receivables (usury).]]>
<![CDATA[HYBRID CONTRACT ON ISLAMIC MORTGAGES PRODUCT USING MURABAHAH AGREEMENT (BANK SYARIAH MANDIRI PONOROGO) ]]>
<![CDATA[Muhammad Ghozali]]>;
<![CDATA[Abdul Hafidz Zeid]]>;
<![CDATA[Roifatus Syauqoti]]>
<![CDATA[ Tasharruf: Journal Economics and Business of Islam Vol 5, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Manado ]]>
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DOI: 10.30984/tjebi.v5i1.1076
<![CDATA[Islamic banking is required to innovate with hybrid contracts, as the single contract is unable to respond to contemporary financial transactions. One of the Islamic banking products adapted from conventional banking is Islamic Mortgages (KPRS) which is applied using Murabahah, Ijarah Muntahiyyah Bi at-Tamlik (IMBT) and Mutanaqisah Mutanaqisah, but Murabahah contract still dominates compared to other akad. Nevertheless, Murabahah contract still raises a lot of debate because it contains hybrid contracts that are still a debate of scholars. In addition, KPRS products with murabahah schemes and IMBT are considered controversial products formulated from the Hilah method. The Murabahah Akad pattern is also often considered the same as conventional banking credit patterns. This article uses a qualitatively descriptive approach to which data sources are obtained with interviews, observations and documentation that are then analyzed inductive. Finally, this article found that KPRS products in Bank Syariah Mandiri use the Murabahah bil Wakalah contract which is hybrid contracts. Wakalah contract is a grant of power from the bank to the customer for home price negotiation to the developer not for home purchase. This is to reduce the risk of side streaming and the risk of return of goods. The merger of Murabahah contract and Wakalah contract has obeyed the sharia rules and does not contain the haraam which is forbidden because it contains a mashalah for banks and customers.]]>
<![CDATA[ISLAMIC ECONOMIC LEGAL REVIEW TOWARDS GOLD TRADING BY THE BROKERS IN “PASAR 45 MANADO” ]]>
<![CDATA[Adriandi Kasim]]>
<![CDATA[ Tasharruf: Journal Economics and Business of Islam Vol 5, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Manado ]]>
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DOI: 10.30984/tjebi.v5i1.1024
<![CDATA[Using a qualitative method with a sociological-normative approach, it was found that most of the gold brokers in Pasar 45 Manado were not honest in the practice of gold trading transactions between brokers and sellers, if the broker found a seller who wanted to sell their gold are compromising, then the dishonest broker will take advantage which is not reasonable or contrary to Islamic principle. For example: manipulating the weight of the gold which are going to sell, because the gold is suspected to not belong to the seller, or because the seller at that time is in dire need of money, or even the gold is the result of stealing, so in this case not a few gold brokers in Pasar 45 Manado market deal with the law because of being caught in a case of fraud. Thus the implications in this study are 1. For gold brokers in the 45 Manado market area, in order to follow the rules of law and Islamic law that have been determined in the Koran so that no party is harmed and every fortune obtained gets blessings from Allah. 2. For gold brokers in the area of Pasar 45, in making transactions they must pay attention to the conditions of the goods to be sold so that they do not harm other people and themselves. 3. For religious leaders in order that constantly give an understanding to the people of Manado City about how to trade in accordance with Islamic principles.]]>
<![CDATA[THE IMPLEMENTATION OF FISCAL FINANCE BY UMAR BIN KHATAB (AN ENFORCEMENT IN INDONESIA) ]]>
<![CDATA[Rusli Siri]]>;
<![CDATA[M. Wahyuddin Abdullah]]>;
<![CDATA[Ridwan Tabe]]>
<![CDATA[ Tasharruf: Journal Economics and Business of Islam Vol 5, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Manado ]]>
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DOI: 10.30984/tjebi.v5i1.1026
<![CDATA[Umar bin Khattab is a Caliph who replaced the leadership of Abu Bakar after his death. Umar bin Khattab led the people starting in the year 13 AH/ 634 AD. Poverty is decreasing and the welfare of employees is guaranteed. This research uses a descriptive qualitative method by collecting the data from books such as history books of Islamic economic thought, the historical milestone of the economic thought of Umar Bin Al Khattab, and books such as ijtihad of Umar bin Khattab. The results of this study revealed that Umar was a leader who became a role model not only in government but managing the finances of the state was also an excellent exemplar of him. Because many leaders today who carry out the fiscal policy do not consider the benefit of the people, instead enrich themselves and their colleagues in a great deal. The fiscal policy of Umar is based solely on maslahah that is in accordance with the Qur'an and Sunnah. The policy regarding the salaries of the heads of state and soldiers is a new thing. Because in the ages of the Rasulullah and Abu Bakr had never made a payroll to the Head of State and the Army. This is a sign which shows that Islamic fiscal policy in the period of Umar was more advanced. ]]>
<![CDATA[CASH WAQF AS A SOLUTION TO OVERCOME DROUGHT IN GUNUNG KIDUL REGENCY IN YOGYAKARTA PROVINCE ]]>
<![CDATA[Martini Dwi Pusparini]]>;
<![CDATA[Soya Sobaya]]>;
<![CDATA[Sri Susanti Agustina Lubis]]>
<![CDATA[ Tasharruf: Journal Economics and Business of Islam Vol 5, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Manado ]]>
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DOI: 10.30984/tjebi.v5i1.1125
<![CDATA[Drought in Gunungkidul Regency is a problem that always occurs almost every year. It has led to humanitarian problems, and requires some appropriate mitigation efforts. Responding to the drought problem, the development of cash waqf in fact is potential to solve the problem. This study aimed at analyzing cash waqf management carried out by ACT Global Waqf in efforts to overcome drought in the Gunungkidul region. This is a field research in which, in this case, the object of research is cash waqf through the Waqf Program of Global well ACT Yogyakarta. Data obtained from eight informants who mastered the object of research, namely Waqf Well of ACT Global Waqf. Based on the results, the cash waqf has been manifested into Waqf Well as determined by Wakif. The efforts to prevent drought by ACT Yogyakarta Global Waqf, especially at three points of waqf wells, greatly helped communities affected by drought. This can be seen from the continued use of the drill well despite drought during the long dry season. The flow of water flowing remains smooth and clean, has not changed since it was built until now. Waqf well is one solution to the community for the freshwater needs, by providing the new water sources by looking for potential water sources and building the infrastructure. ]]>
<![CDATA[ANALYSIS OF HALAL LABELLING TOWARDS PURCHASE QUANTITY AND CONSUMER SATISFACTION IN MAOMAO (THAI TEA) ]]>
<![CDATA[Muhammad Qoes Atieq]]>;
<![CDATA[Egin Goniyatur Rizqi]]>;
<![CDATA[Rohani Sindu]]>
<![CDATA[ Tasharruf: Journal Economics and Business of Islam Vol 5, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Manado ]]>
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DOI: 10.30984/tjebi.v5i1.1145
<![CDATA[The development of halal industry is growing rapidly in various sectors so that it becomes a trend of human lifestyle throughout the world. Maomao (Thai Tea) is one of the UMKM that has not been certified as halal, which sells beverage products made from raw tea of Thailand that is rife among the public and is able to spread outlets quickly and broadly in the three regions of Cirebon. In this, case it is interesting to study consumer awareness of halal labels on food and beverages. The research conducted by the author aims to determine the effect of halal labeling on the quantity of purchase and customer satisfaction at Maomao UMKM in Cirebon City. The author uses research methods with a qualitative approach and descriptive analysis as well as approaches from various sources of literature, such as books, journals, reports, and previous reports on research outcomes. Based on the research carried out, according to the author's analysis halal labeling on Maomao (Thai Tea) does not affect the level of purchase and customer satisfaction. Because the majority of consumers have believed that Maomao (Thai Tea) has guaranteed halal for the product. This is known from the ingredients in producing Maomao (Thai Tea) (although for the Maomao brand itself has not been certified as halal) and hygienic manufacturing procedure. Through this paper, it is expected that the government or related parties to facilitate the process of halal certification, so that the businessmen prioritize halal labels on their products.]]>
<![CDATA[ISLAMIC ECONOMIC LEGAL REVIEW TOWARDS GOLD TRADING BY THE BROKERS IN “PASAR 45 MANADO” ]]>
<![CDATA[Kasim, Adriandi]]>
<![CDATA[ Tasharruf: Journal Economics and Business of Islam Vol 5, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Manado ]]>
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DOI: 10.30984/tjebi.v5i1.1024
<![CDATA[Using a qualitative method with a sociological-normative approach, it was found that most of the gold brokers in Pasar 45 Manado were not honest in the practice of gold trading transactions between brokers and sellers, if the broker found a seller who wanted to sell their gold are compromising, then the dishonest broker will take advantage which is not reasonable or contrary to Islamic principle. For example: manipulating the weight of the gold which are going to sell, because the gold is suspected to not belong to the seller, or because the seller at that time is in dire need of money, or even the gold is the result of stealing, so in this case not a few gold brokers in Pasar 45 Manado market deal with the law because of being caught in a case of fraud. Thus the implications in this study are 1. For gold brokers in the 45 Manado market area, in order to follow the rules of law and Islamic law that have been determined in the Koran so that no party is harmed and every fortune obtained gets blessings from Allah. 2. For gold brokers in the area of Pasar 45, in making transactions they must pay attention to the conditions of the goods to be sold so that they do not harm other people and themselves. 3. For religious leaders in order that constantly give an understanding to the people of Manado City about how to trade in accordance with Islamic principles.]]>
<![CDATA[THE IMPLEMENTATION OF FISCAL FINANCE BY UMAR BIN KHATAB (AN ENFORCEMENT IN INDONESIA) ]]>
<![CDATA[Siri, Rusli]]>;
<![CDATA[Abdullah, M. Wahyuddin]]>;
<![CDATA[Tabe, Ridwan]]>
<![CDATA[ Tasharruf: Journal Economics and Business of Islam Vol 5, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Manado ]]>
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DOI: 10.30984/tjebi.v5i1.1026
<![CDATA[Umar bin Khattab is a Caliph who replaced the leadership of Abu Bakar after his death. Umar bin Khattab led the people starting in the year 13 AH/ 634 AD. Poverty is decreasing and the welfare of employees is guaranteed. This research uses a descriptive qualitative method by collecting the data from books such as history books of Islamic economic thought, the historical milestone of the economic thought of Umar Bin Al Khattab, and books such as ijtihad of Umar bin Khattab. The results of this study revealed that Umar was a leader who became a role model not only in government but managing the finances of the state was also an excellent exemplar of him. Because many leaders today who carry out the fiscal policy do not consider the benefit of the people, instead enrich themselves and their colleagues in a great deal. The fiscal policy of Umar is based solely on maslahah that is in accordance with the Qur'an and Sunnah. The policy regarding the salaries of the heads of state and soldiers is a new thing. Because in the ages of the Rasulullah and Abu Bakr had never made a payroll to the Head of State and the Army. This is a sign which shows that Islamic fiscal policy in the period of Umar was more advanced. ]]>
<![CDATA[ANALYSIS OF HALAL LABELLING TOWARDS PURCHASE QUANTITY AND CONSUMER SATISFACTION IN MAOMAO (THAI TEA) ]]>
<![CDATA[Atieq, Muhammad Qoes]]>;
<![CDATA[Rizqi, Egin Goniyatur]]>;
<![CDATA[Sindu, Rohani]]>
<![CDATA[ Tasharruf: Journal Economics and Business of Islam Vol 5, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Manado ]]>
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DOI: 10.30984/tjebi.v5i1.1145
<![CDATA[The development of halal industry is growing rapidly in various sectors so that it becomes a trend of human lifestyle throughout the world. Maomao (Thai Tea) is one of the UMKM that has not been certified as halal, which sells beverage products made from raw tea of Thailand that is rife among the public and is able to spread outlets quickly and broadly in the three regions of Cirebon. In this, case it is interesting to study consumer awareness of halal labels on food and beverages. The research conducted by the author aims to determine the effect of halal labeling on the quantity of purchase and customer satisfaction at Maomao UMKM in Cirebon City. The author uses research methods with a qualitative approach and descriptive analysis as well as approaches from various sources of literature, such as books, journals, reports, and previous reports on research outcomes. Based on the research carried out, according to the author's analysis halal labeling on Maomao (Thai Tea) does not affect the level of purchase and customer satisfaction. Because the majority of consumers have believed that Maomao (Thai Tea) has guaranteed halal for the product. This is known from the ingredients in producing Maomao (Thai Tea) (although for the Maomao brand itself has not been certified as halal) and hygienic manufacturing procedure. Through this paper, it is expected that the government or related parties to facilitate the process of halal certification, so that the businessmen prioritize halal labels on their products.]]>
<![CDATA[CASH WAQF AS A SOLUTION TO OVERCOME DROUGHT IN GUNUNG KIDUL REGENCY IN YOGYAKARTA PROVINCE ]]>
<![CDATA[Pusparini, Martini Dwi]]>;
<![CDATA[Sobaya, Soya]]>;
<![CDATA[Lubis, Sri Susanti Agustina]]>
<![CDATA[ Tasharruf: Journal Economics and Business of Islam Vol 5, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Manado ]]>
Show Abstract
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DOI: 10.30984/tjebi.v5i1.1125
<![CDATA[Drought in Gunungkidul Regency is a problem that always occurs almost every year. It has led to humanitarian problems, and requires some appropriate mitigation efforts. Responding to the drought problem, the development of cash waqf in fact is potential to solve the problem. This study aimed at analyzing cash waqf management carried out by ACT Global Waqf in efforts to overcome drought in the Gunungkidul region. This is a field research in which, in this case, the object of research is cash waqf through the Waqf Program of Global well ACT Yogyakarta. Data obtained from eight informants who mastered the object of research, namely Waqf Well of ACT Global Waqf. Based on the results, the cash waqf has been manifested into Waqf Well as determined by Wakif. The efforts to prevent drought by ACT Yogyakarta Global Waqf, especially at three points of waqf wells, greatly helped communities affected by drought. This can be seen from the continued use of the drill well despite drought during the long dry season. The flow of water flowing remains smooth and clean, has not changed since it was built until now. Waqf well is one solution to the community for the freshwater needs, by providing the new water sources by looking for potential water sources and building the infrastructure. ]]>
