cover
Contact Name
Muhammad Ihsan
Contact Email
yogifebriandi@iainlangsa.ac.id
Phone
+6285294132626
Journal Mail Official
jurnalalmuamalat@iainlangsa.ac.id
Editorial Address
IAIN Langsa, Jalan Meurande, Langsa Lama, Langsa, Aceh, Indonesia
Location
Kota langsa,
Aceh
INDONESIA
Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah
ISSN : 24605115     EISSN : 2656288X     DOI : http://do.org/10.32505/muamalat
AL-MUAMALAT is a journal that focuses on the study of Islamic Law and Economics, AL-MUAMALAT Journal aims: 1. Sharia Economic Law 2. Agreement Law in Islam; 4. Comparative Law on Economics; 5. Community Economic Institutions; 6. Civil, Economic, Business (Conventional) Law.
Arjuna Subject : Ilmu Sosial - Hukum
Articles 159 Documents
Analisis Penerapan Denda Pembiayaan Syariah Pada Federal International Finance (FIF) Group Di Kota Palangka Raya Ahmad Fauzi; Tri Hidayati; Novi Angraeni
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 7 No 2 (2022): Jul-Des 2022
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v7i2.5065

Abstract

This research is motivated by the application of fines for late payments of murabahah financing installments at the FIF Group of Palangka Raya City. The focus of this research is how to apply sharia financing fines to the Palangka Raya City FIF Group and how to review Islamic law regarding sharia financing fines to the Palangka Raya City FIF Group. This research is included in empirical legal research with a legal sociology approach. The primary data in the study were obtained from interviews and documentation, and secondary data. The results of the research on the application of ta'zīr and ta'wīḍ fines are carried out if the customer is late in making installment payments that have fallen on a predetermined date. The fine for ta'zīr is Rp. 5,000.00 per installment and the amount of ta’wīḍ is calculated from the value of the loss calculated by the Credit Management Division of the Palangka Raya City FIF Group. However, the calculation of overhead costs and transportation costs is not clear, so AR, RU, and S customers object. Judging from Islamic law regarding sharia financing fines at the Palangka Raya City FIF Group based on sharia maqid (hifḍ al-mall/property) and the application of fines in murabahah financing, the fine contains benefits for each party. From the side of the Palangka Raya City FIF Group, it is so that customers do not experience payment problems, while from the customer side it is the purpose of imposing fines to discipline customers in carrying out their obligations. Although in the determination of ta’wīḍ there is uncertainty in the calculation of real losses related to overhead costs and transportation costs, so that customers object to it.
Pengaruh Aset dalam Perkembangan Usaha Kecil Terhadap Pendapatan Usaha Mikro Kecil Menengah Kota Lhokseumawe Di Era Pandemi Covid 19 Isra Maulina; Sufrizal; Iskandar
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 7 No 2 (2022): Jul-Des 2022
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v7i2.5092

Abstract

Income is the level of a person's ability to meet the needs of life in a certain period of time, usually within one month. This study aims to determine the effect of assets on UMKM income in the era of the covid 19 pandemic. The population in this study is UMKM in the City of Lhokseumawe which are registered with the Office of Industry, Trade, Cooperatives and Small and Medium Enterprises of Lhokseumawe City in 2020. This research is a quantitative type, The sampling technique is purposive sampling, namely the population that meets certain sample criteria according to what is desired, the sample in this study is 78 small business units, UMKM. The results of the study prove that the results of the partial test (t) The value of the regression coefficient for the asset variable shows a positive direction, namely the effect of assets on income is significant where the value of tcount (65.842) ˃ ttable (1.99210) and a significance of 0.000 ˂ 0.05, so Ho is rejected and Ha accepted UMKM income in the era of the covid 19 pandemic and The results of the study prove that the results of the test for the coefficient of determination (R2) show that the ability of asset variables to explain UMKM income variables is 98.3%, while the remaining 1.7% is explained by other factors outside this research model (small business).
Bisnis Franchise Dalam Pandangan Hukum Islam Muhammad Erland Fauzi; Muhammad Randhika Priyatna; Andrey Naufal Arizzki; Fitri Yetty; Alfatih S. Manggabarani
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 7 No 2 (2022): Jul-Des 2022
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v7i2.5195

Abstract

Franchise is a business system that is currently popular with the public. Through the franchise system, doing business activities becomes easier. This is because the franchise uses a business system where the franchisor grants rights to the franchisee to be able to use or exploit intellectual property rights or inventions owned by the franchisor through an agreement. Franchise is justified according to Islamic law as long as it fulfills the pillars and conditions of the agreement, and the principles of muamalah are also fulfilled. The franchise business opens many business opportunities for the community. In the franchise business, openness, honesty and prudence are applied. Even though its presence has an impact on the small businesses around it, the competition that is created is healthy competition. The franchise business model is basically a derivative or development of the syirkah. In the franchise business scheme, the terms of the contract, such as the percentage of profit sharing, must be stated completely and clearly in an agreement based on a syirkah contract. This research uses a literature study approach. The purpose of this research is to find out the views of Islamic law regarding franchise business.
Pengaruh Influencer, Follower Instagram dan Youtuber Dalam Jual Beli Baju Bekas Branded Misi Anggraini; Rozalinda
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 7 No 2 (2022): Jul-Des 2022
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v7i2.5239

Abstract

Based on the dilemma that will be examined, here the author examines the news how many effects should be related to buying and selling transactions of branded used clothes according to followers from Instagram, Influencers and Youtubers. In this study, the method is for field research or qualitative in the field research approach, data analysis on phenomenology by examining what happened and related to the law in buying and selling transactions in Islam. Apart from that, various data sources are library materials by reviewing books, journals, previous researchers related to the material under study. The sample population of consumers of branded used clothes is at least 100 respondents or less. The data collection technique uses a survey using digital assistance, namely Google Form. The results of the study provide that the influencer's role has a huge impact on followers based on what they post and tell through social media such as Instagram. Due to this impact, with the presence of Influencers, Instagram followers/followers and also Youtubers, the buying and selling of branded used clothes has increased and is in great demand among young people, especially in terms of fashion, dominant expression, social media influence, environment and original product quality.
Implikasi Undang-Undang Nomor 7 Tahun 2021 tentang Pertambahan Tarif PPN 11% terhadap Pelaku Usaha Kerajinan Lokal di Kota Malang Marsela Rosiana Putri
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 7 No 2 (2022): Jul-Des 2022
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v7i2.5275

Abstract

The purpose of this study is to determine the basic considerations for applying the 11% VAT increase and the knowledge of local craft entrepreneurs in Malang City regarding the implications of the 11% VAT. This type of research is normative-empirical juridical, which examines the basis of laws and regulations as research objects and their application in social society. Used a legal and social juridical approach to the community in examining the object of study. Using data sources Law no. 7 of 2021 concerning the Harmonization of Tax Regulations as a scalpel for the application of an 11% VAT increase, as well as the knowledge of local craftsmen in Malang City as objects for an 11% VAT increase. Implementation of Article 7 paragraph (1) Chapter IV concerning Value Added Tax that the value-added tax rate of eleven percent (11%) is enforced from April 1, 2022, the imposition of VAT on taxable goods for transactions carried out by local handicraft entrepreneurs in the form of all goods in the form of handicrafts, unless exemptions are regulated by certain regulations. By Following Article 4 paragraph (1) letter a Value Added Tax is imposed on the delivery of Taxable Goods in the Customs Area by entrepreneurs, while objects of taxable goods according to Law no. 42 of 2009, namely all goods regulated in the VAT Law except for goods: a) taken directly from mining or drilling results, b) basic needs of the community, c) goods in the form of food and drinks that are traded at places to eat as well as by catering services, d) goods in the form of securities, gold bars and also money. So local handicraft products are included in taxable objects that experience VAT rate developments. However, in reality, the community, especially local handicraft entrepreneurs, is only aware of the information on the 11% VAT rate increase and does not apply it to buyers who should be charged VAT.
Tinjauan Maqashid Al-Syariah tentang Jual Beli Cacing Rubella untuk Pengobatan di Karang Baru Aceh Tamiang Desi, Dessy Asnita
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 8 No 1 (2023): Al-Muamalat: Jurnal Hukum dan Ekonomi Syariah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v8i1.5871

Abstract

Kini, cacing rubella semakin naik derajat dari hewan yang menjijikkan bahkan sekarang menjadi hewan alat komoditas yang tinggi dalam menghasilkan uang, terutama di Desa Tanjung Karang, Kec. Karang Baru Kabupaten Aceh Tamiang. Dalam hal jual beli cacing rubella (lumbrius rubellus) untuk pengobatan merupakan bentuk Maqashid syariah yang berperan sebagai melindungi jiwa, karena cacing rubella dianggap masyarakat dapat dijadikan sebagai pengobatan yang herbal untuk menyembuhkan penyakit demam tinggi, step, tifus dan bahkan juga dijadikan sebagai bahan kecantikan. Lalu, bagaimanakah tinjauan Maqashid Al-Syariah terhadap jual beli cacing rubella (lumbrius rubellus) untuk pengobatan. Tujuan dalam penelitian ini, yaitu: untuk mengetahui Bagaimana transaksi jual beli cacing rubella untuk pengobatan di Desa Tanjung Karang Kec. Karang Baru Kab. Aceh Tamiang dan bagaimana tinjauan Maqashid Al-Syariah terhadap jual beli cacing rubella untuk pengobatan. Selanjutnya hasil penelitian ini menunjukkan bahwa transaksi jual beli cacing rubella untuk pengobatan di Desa Tanjung Karang, dilakukan secara sembunyi-sembunyi dan tidak ada ditemukan pada pasar tradisional ataupun pasar modern. Tinjauan maqasid syariah terhadap jual beli cacing rubella untuk pengobatan dijadikan sebagai upaya penyembuhan penyakit, jadi dapat disimpulkan bahwa dalam mengkonsumsinya adalah mubah berdasarkarkan kaidah fiqh bahwa darurat harus dihilangkan.
Akad E-Commerce Jual Beli Online Ditinjau dari Kompilasi Hukum Ekonomi Syariah Putri, Juliana Dwi; M. Randhika Priyatna; M. Naufal Empy; Fathoni Yusuf; Fadhli Suko Wiryanto4
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 8 No 1 (2023): Al-Muamalat: Jurnal Hukum dan Ekonomi Syariah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v8i1.5193

Abstract

The problem discussed in this article is how the review of the types of online buying and selling transactions in e-commerce in Indonesia is reviewed from the compilation of sharia economic law. The expected benefits of this research include eliminating doubts in choosing the type of online buying and selling transactions in e-commerce in Indonesia and knowing the types of online buying and selling transactions (peer to peer) in e-commerce in Indonesia that are in accordance with Islamic law. This research uses a qualitative research approach, where this scientific method is used to build knowledge through understanding and discovery. The results of this study indicate that in conducting E-commerce transactions, there are two sales and purchase contracts that can be used, namely the salam and Istisna contracts. If the salam contract, the buyer makes a payment in advance and the product specifications are clearly stated and the delivery of the goods is delayed, while the Istishna contract, the specifications of the goods have been agreed upon by the buyer and seller then an order is made in advance or the goods have not / are being made.
Arisan Menurun Online Menurut Perspektif Hukum Islam Kontemporer achmadjais, izamaulida
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 8 No 1 (2023): Al-Muamalat: Jurnal Hukum dan Ekonomi Syariah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v8i1.5253

Abstract

Agama islam memberikan kebebasan untuk saling berinteraksi sesama manusia. Salah satu bentuk interaksi yang terjalin dalam agama islam yaitu muamalah. Arisan diyakini sebagai salah satu bentuk tolong-menolong untuk mempererat persaudaraan. Arisan dapat mempermudah seseorang yang susah untuk melakukan penyisihan terhadap keuangannya. Seiring berkembangnya zaman arisan yang dahulunya dilakukan dengan tatap muka kini menjadi lebih mudah yang dilakukan dari jarak jauh melalui aplikasi WhatsAppdengan cara transfer. Arisan yang dahulunya dipenuhi dengan jumlah yang sama dari semua anggota, kini menjadi lebih beragam bentuknya, salah satunya adalah arisan menurun yang setiap anggotanya membayarkan dengan jumlah yang berbeda dengan nominal lebih besar pembayarannya untuk anggota arisan yang mendapat lebih awal, semakin ke bawah maka jumlah yang jumlah anggotanya semakin sedikit, tetapi jumlah yang diterima pada saat mendapatkan arisan sama. Hal ini menjadi salah satu topik menarik yang perlu dibahas mengenai bagaimana pelaksanaannya, dan hukum islam yang diberlakukan. Oleh karena itu, penelitian ini akan membahas lebih dalam mengenai pelaksanaan penurunan arisan online dan hukum islam kontemporer mengenai penurunan arisan online tersebut.pemilik yang menghasilkan data naratif berupa kata-kata atau lisan dari seseorang yang bisa diamati. Dalam hasil penelitian menunjukkan bahwa pemilik sudah lama mengadakan arisan tanpa mengetahui hukum islam arisan menurun yang sebenarnya. Perspektif hukum islam kontemporer mengenai hukum asal arisan adalah boleh karena arisan serupa dengan utang-piutang. Akad yang digunakan dalam arisan sama dengan akad Hutang Pihutang. Didalam arisan harus mengandung unsur keadilan antara anggota satu dengan anggota lainnya. Apabila salah satu pihak merasa dirugikan, maka arisan tersebut dihukumi haram. Sebaliknya, jika arisan mengandung unsur keadilan, maka dihukumi mubah (boleh). Kata Kunci : Islam, Arisan Menurun Online, Hukum Islam Kontemporer.
Sharia Mutual Funds: Protection Study For Investorsabstrak Udzma, Linda Amala
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 8 No 1 (2023): Al-Muamalat: Jurnal Hukum dan Ekonomi Syariah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v8i1.5423

Abstract

Mutual funds are an alternative investment because of the opportunity to get better investment returns within a certain period of time. All investments including mutual funds are inseparable from violations and crimes, so the purpose of this paper is to find out about legal protection for investors as consumers. This paper was compiled using normative research, data related to this research were obtained from literature studies, and analysis was carried out by referring to documents related to the discussion. The results of this paper show that the operational mechanism between investors and Investment Managers of Islamic mutual funds uses the wakalah and mudharabah systems. Legal Protection for Investors According to Law Number 8 of 1995 concerning Capital Markets contained in article 100 paragraph 2 and article 101 paragraph 3, Bapepam-LK has the right to carry out inspections and investigations, this is a process of supervisory activities aimed at providing protection and legal certainty for among investors. According to UUPM has the authority to give administrative sanctions and criminal sanctions. Apart from that, legal protection for investors According to Law Number 21 of 2011 concerning the Financial Services Authority in Article 28, Article 29, and Article 30, aspects of protection for capital market investors are under the authority of the OJK. Provisions related to providing information on financial products and assisting consumers in filing lawsuits in court to fulfill consumer rights.
Menilik Problematika Hukum Berkarir di Lembaga Perbankan dalam Memenuhi Nafkah Keluarga Islami (Analisis Pemikiran Abdul Aziz Bin Baz dan Yusuf Qardawi) Muhammad, Alfian
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 8 No 1 (2023): Al-Muamalat: Jurnal Hukum dan Ekonomi Syariah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v8i1.5998

Abstract

Penelitian ini dilatarbelakangi tentang hukum berkarir di lembaga perbankan dalam memenuhi nafkah keluarga islami. Fokus penelitian ini adalah bagaimana hukum berkarir di lembaga perbankan dalam memenuhi nafkah keluarga islami menurut pemikiran Pemikiran Abdul Aziz Bin Baz dan Yusuf Qardhawi. Penelitian ini menggunakan metode library research dengan menggunakan pendekatan deskriptif kualitatif. Hasil penelitian menunjukkan bahwa jika ditinjau dari hukum Islam, berkarir di lembaga perbankan adalah hukumnya haram karena dalam sistem operasionalnya tidak terlepas dari unsur riba, Maysir dan Gharar. Menurut Abdul Aziz Bin Baz dalam pandangannnya menafkahi keluarga dengan hasil berkarir di bank konvensional juga dianggap haram, karena hasil ujrah yang didapatkan berasal dari aktivitas yang bertentangan dengan prinsip-prinsip syariah Islam. Menurut Yusuf Qardhawi, bekerja di lembaga perbankan yang menerapkan praktek riba dan transaksi yang tidak sesuai syariah sebaiknya dihindari karena memilih pekerjaan yang sesuai dengan prinsip syariah lebih afdhol dalam Islam.