cover
Contact Name
Fariz Al Hasni
Contact Email
journal.muamalat@uinmataram.ac.id
Phone
+6285934327883
Journal Mail Official
journal.muamalat@uinmataram.ac.id
Editorial Address
Berugak Journal, Jln. Pendidikan No. 35-Mataram 83125
Location
Kota mataram,
Nusa tenggara barat
INDONESIA
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah
ISSN : 20880537     EISSN : 26865262     DOI : -
Core Subject : Economy, Social,
Muamalat: Journal of Sharia Economic Law (ISSN: 2088-0537 e-ISSN: 2686-5262) is a scientific journal, peer review and open access published by the Sharia Economic Law Study Program, Faculty of Sharia, Universitas Islam Negeri Mataram. This journal aims to be an open-access journal platform that publishes and disseminates ideas and research on Sharia Economic Laws such as, Contracts in Islamic Business Transactions, Islamic Business Ethics, Sharia Economic Thoughts, Economic Institutions and forbidden halal economic transactions based on Sharia Economic Law.
Arjuna Subject : Ilmu Sosial - Hukum
Articles 116 Documents
TINJAUAN HUKUM ISLAM TERHADAP TRANSAKSI JUAL BELI BUAH PEPAYA CALIFORNIA DI POHON Muh. Irwan.T; Rahman Ambo Masse; Wawan M.
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 15 No. 2 (2023): Desember
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v15i2.6515

Abstract

This type of research uses a type of qualitative research. The data sources used are the population and samples, then the data collection technique is carried out by means of observation, interviews and documentation. The results showed that the practice of buying and selling California papayas on trees that occurred in Duampanua Village was a transaction that was often carried out by the community when California papayas were ready to be harvested. The reason farmers buy and sell is because it is considered practical The mechanism for evaluating the buying and selling of fruit on the tree is carried out by means of farmers and buyers alike appraising the fruit on the tree after estimating the amount of the harvest then determining the price There are two methods of determining the price, namely paying cash and paying after harvest while the implementation of the Ijab and Kabul is carried out orally in Islamic economics the practice of buying and selling fruit on trees is included in the practice of buying and selling fruit which is halal. Considering that the practice of buying and selling fruit on trees in Duampanua Village, Andreapi Polewali Mandar District, the fruit has been seen and there is also a contract system which has been agreed upon in the contract where the farmer's tree will change hands within a period of several months according to the agreed contract.
DAMPAK COVID-19 TERHADAP PEMBIAYAAN BERMASALAH NASABAH DI BTN SYARIAH KCPS PANAKUKANG PADA TAHUN 2020 Akram Ista; Rahman Ambo Masse; Muh. Irwan. T; Yuli Irawan Rasit
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 16 No. 1 (2024): Juni
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v16i1.6653

Abstract

This study aims to determine the impact of Covid-19 on customer financing and to determine the impact of Covid-19 on banks, in this case BTN Syariah KCPS Pannakukang. This research is a qualitativeresearch conducted descriptively. The results of this study indicate that first, From the customer's perspective, namely the Covid-19 pandemic has greatly affected the customer's business merchandise sales, reduced and decreased income makes customers object to paying installments of financing, income during this pandemic is only to cover installment costs. the impact of this pandemic has made customers look for other income to meet their needs. Used to pay installments and basic daily needs. customers in terms of covering installments are half dead in looking for income to cover installment deposits.Second,From the perspective of the bank itself, namely BTN Syariah KCPS Panakukang, it has experienced a decrease in the level of community participation as an intermediary institution, the presence of Covid 19 has had an effect on turmoil in terms of views for leaders and employees regarding the best solution or solution that can be given to BTN KCPS Panakukang customers, the impact the Covid-19 pandemic for BTN Syariah KCPS Panakukang itself, namely issuing a special policy for BTN Syariah KCPS Panakukang customers.
STUDI POLITIK HUKUM TERKAIT PASAL 79 UNDANG-UNDANG NOMOR 11 TAHUN 2020 TENTANG CIPTA KERJA KLASTER PERBANKAN SYARIAH Sulaiman Kurdi; Abdul Ghofur; Ichwan Ahnaz Alamudi
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 15 No. 1 (2023): Juni
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v15i1.6872

Abstract

This research was motivated by the birth of the job creation law in 2020 which regulates many things including Islamic banking in Article 79. This article adds to the long list of laws and regulations on Islamic banks that have existed since almost 30 years ago (1992). Researchers want to know whether there are significant changes contained by this article and whether the legal politics of Islamic banking has changed with the birth of this job creation law. This research is a type of literature study or in the legal world is called juridical-normative legal research. This study shows that Article 79 of the job creation Law No. 11 of 2020 has a combination of properties between responsive and elitist legal products, built on the desire to develop the Islamic economy as part of National Economic Development. This article contains changes to the maximum ownership of Islamic commercial banks by foreign parties, which was originally in law No. 21 of 2008 regulated by Bank Indonesia regulations, now following the laws and regulations in the field of investment. The legal politics behind the job creation law on aspects of Islamic banking is the same as other aspects, namely inviting investors not only from within but also from abroad to invest in Indonesia. This means that the government wants to open up investment space in the Islamic banking sector wider than ever.
IMPLEMENTASI AKAD MURABAHAH DAN PERMASALAHANNYA DALAM PERBANKAN SYARIAH Raihan Putri; Fitri Yanti
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 15 No. 2 (2023): Desember
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v15i2.7011

Abstract

Murabahah is a sale and purchase contract with additional profits in accordance with the agreement. This study aims to further analyze the application of murabaha contracts in Islamic banking, as well as answer how the murabaha concept actually is and then look at the implementation of murabaha financing in banks whether it is appropriate based on sharia principles or not. This study used a qualitative descriptive research method through a library study data collection technique. As for the discrepancies found in the application of murabahah financing in Islamic banking, namely regarding violations related to milkiyah requirements. The results of the study show that the implementation of murabahah contract financing does not meet the pillars and conditions of sale and purchase in accordance with sharia principles. If the bank wishes to represent the customer, the solution is that the item must change ownership, the object of the transaction must be fully controlled by the bank before making a transaction.
ANALISIS CROWDFUNDING SYARIAH BERDASARKAN PRINSIP SYARIAH COMPLIANCE SERTA PENERAPANNYA PADA PRODUK PERBANKAN SYARIAH Fahmi Makraja; Abdul Mujib
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 15 No. 2 (2023): Desember
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v13i2.7266

Abstract

The presence of Financial Technology is a concrete manifestation of economic development in the digital era. One form of fintech development is the emergence of crowdfunding which is accessed via an internet network connection. The purpose of this research is to find out the implementation of the sharia crowdfunding method from the point of view of sharia compliance in Indonesia. The method used in this study is qualitative by using an empirical juridical approach. The results of this study conclude that the application of the sharia crowdfunding method to real sector economic transactions is in accordance with sharia principles, meaning that the sharia crowdfunding method is permissible according to Islamic law. The interrelated parties in this crowdfunding are the organizers, initiators and investors or donors as well as the Sharia Supervisory Board as the supervisory institution for the implementation of sharia crowdfunding. The application of crowdfunding in the development of Islamic banking products must be in accordance with sharia principles, namely avoiding the elements of magrib (maisir gharar and usury). The development of crowdfunding-based Fintech has grown rapidly in Indonesia so that special regulations are needed to regulate this so that unwanted things do not occur.
ANALISIS POJK No.1/POJK.07/2013 TERKAIT PERLINDUNGAN KONSUMEN DALAM ASPEK JASA KEUANGAN TERHADAP TELEMARKETING ASURANSI DI BNI LIFE SYARIAH Sifak Saifuddin Ahmad; Abdul Mujib
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 15 No. 2 (2023): Desember
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v15i2.7377

Abstract

The digital era continues to develop following its times, this is no exception for insurance institutions at BNI Life Syari'ah. The presence of telemarketing innovation is proof that insurance at BNI Life Syari'ah has grown rapidly in cooperating with technology. This research is a type of literature research that utilizes essential and tertiary information dissected with a descriptive approach. The results of the research are first, the telemarketing strategy carried out by BNI Life Syari'ah is mostly in accordance with the regulations in the OJK because the practice has been considered according to the standards in the POJK, despite the fact that there are some things that are not in accordance with OJK rules no. 1 / POJK.07 / 2013, Second, there are still many statements from customers that they are often contacted by telemarketers outside working hours, So many customers feel upset. In accordance with the conclusions above, it is hoped that BNI Life Syari'ah can streamline its telemarketing strategy. In addition, more efforts are made to pay attention to the marketing point of view because this system will be considered bad if it is felt that many of the customers feel aggrieved and even deceived.
TRANSAKSI CRYPTOCURRENCY PERSPEKTIF USHUL FIQH Denis Rachmaditya
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 15 No. 2 (2023): Desember
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v15i2.7496

Abstract

Cryptocurrency is a digital or virtual currency, which does not have a physical form like fiat money. This crypto currency can only be used through devices such as PCs, laptops, smartphones and other devices that connected to the internet. There are several advantages in a crypto system that uses blockchain system, such as transaction security, convenience, speed and can be used across countries and continents, however cryptocurrency which is currently circulating also still have weaknesses, including there is No. supervisory authority, even many countries have disagreements over the legality of this cryptocurrency. The debate about pro and contra regarding to the use of cryptocurrency becomes dynamics among the experts including the scholars who have study from Islamic point of view. This reseach aims to examine the dynamics of using cryptocurrency from ushul fiqh point of view, where the methods which used in this research are al-qur’an, al-Hadits, Qiyas and Sad-Adzariyah. Basically the use of cryptocurrency is allowed to meet cetain conditions that is by removing batil elements as in Quran surah An-Nisa verse 29, those batil elements are gharar and mayshir. Moreover, cryptocurrency must also has clear legality in a country for security in their use.
PERLINDUNGAN KONSUMEN DAN PENERAPAN ASAS MASHLAHAH DALAM PRAKTEK JUAL BELI PAKAIAN BEKAS DI KOTA MATARAM Nasrullah Nasrullah; Mega Trikayanti
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 15 No. 2 (2023): Desember
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v13i2.7601

Abstract

The rise of the practice of selling used clothing today as an alternative to fulfilling casual needs at a relatively low cost is quite attractive to various groups. On the other hand, the practice of selling used clothing often causes problems for consumers as a result of the absence of adequate information regarding the origin and quality of the goods sold, so that consumers get clothes that are basically unfit for use without prioritizing the principle of benefit (mashlahah). This research uses normative legal research methods, namely by examining existing legal norms in consumer protection laws and provisions of related legislation and their derivatives using a statutory approach, case approach, and conceptual approach. The results showed that the practice of selling used clothing was not carried out in accordance with the provisions of the applicable laws and regulations and tended to ignore consumer protection and could not guarantee the realization of benefits (mashlahah) in the sale and purchase practice.
TINJAUAN HUKUM ISLAM TERHADAP PENUKARAN POINT DENGAN UANG PADA APLIKASI TIK-TOK PERSPEKTIF AKAD MUAMALAH Muhammad Shobirin; Abdul Hafiz
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 16 No. 1 (2024): Juni
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v16i1.8603

Abstract

This study discusses an overview of Islamic law on exchanging points for money in the Tik-Tok application from the perspective of a muamalah contract. This research method is a type of case study which is included in qualitative research. The author in this study is descriptive where most of the data used comes from interviews, observations in the form of sentences or narratives. From the results of this study, it says that exchanging points for money on the Tik-Tok application is a job/mission where users must complete the work to get rewards from tiktok such as: inviting new users, watching videos, uploading videos, live streaming and tiktok affiliates. Gifts or wages are permitted in Islam if there is no other purpose or purpose except for good intentions.
PENYELESAIAN SENGKETA AKAD MUDHARABAH MELALUI PENGADILAN AGAMA YOGYAKARTA (STUDI KASUS PUTUSAN NOMOR 193/Pdt.G/2021/PA.YK) Habibullah
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 15 No. 2 (2023): Desember
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v15i2.8658

Abstract

Dispute resolution in the context of mudharabah contracts is important in the sharia financial system. The Yogyakarta Religious Court has a central role in resolving this kind of dispute in accordance with the principles of Islamic law. This study aims to analyze the decision of the Yogyakarta Religious Court with case number 193/Pdt.G/2021/PA.YK. related to resolving mudharabah contract disputes. In this decision, the Yogyakarta Religious Court based its decision on the principles of Islamic law, including the principles of justice, fulfillment of the rights of the parties, and relevant sharia considerations. The Yogyakarta Religious Court also considers the validity of the contract, the agreement between the parties, and the evidence presented at the trial.

Page 9 of 12 | Total Record : 116