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 206 Documents
Analysis Of Maqasid Syariah On The Legal Development Of The Halal Industry As A Form Of Consumer Protection Hasni, Hasniati; Lubi, Rahmat Husein
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 8 No 2 (2023): Al-Muamalat: Jurnal Hukum dan Ekonomi Syariah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Development The halal industry is very fast in Indonesia so it is a concern society. There is halal industry is expected capable collaborate, adapt, proficient technology and capability increase connection to all layers society. With development of industry from various sector, then as a Muslim demands must be in accordance with Islamic law, namely halal and thoiyib. Therefore it is necessary exists supervision law from government. Based on matter the purpose of doing this research is to analyze law halal industry as a form protection for consumers using analysis maqashid sharia. The research used is qualitative descriptive with approach normative juridical. Data collection techniques using primary data and secondary data obtained from laws, books, journals, scientific articles and literature reviews, as well as collected using library research Then analyzed by method descriptive qualitative. The results of this study known that analysis Maqasid sharia against the law halal industry as a form of protection for consumers is in accordance with Islamic teachings and can ensure the security public in consuming products and services.
Implementasi Akad Ijarah Paralel Dalam Pembiayaan Multiguna Tanpa Agunan Di Perbankan Syariah Salsabilla, Alivia; Sonjaya, Adang
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 8 No 2 (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.v9i2.6818

Abstract

Abstract People currently do not know how to implement parallel ijarah contracts in collateral-free multipurpose financing in Islamic banking and they tend to enter into contracts with other individuals without knowing what the appropriate terms and mechanisms are like, including the risks posed due to the lack of guarantees provided. customers so that many of them commit acts of default. The purpose of this study was to determine the implementation of parallel ijarah contracts in multipurpose financing without collateral in Islamic banking. This study uses an empirical sociological approach that is descriptive analysis using qualitative data as a type of research and library research as one of its data collection techniques. The difference between this research and previous research lies in the objects and subjects studied which are more complex and structured in discussing parallel ijarah contracts in collateral-free multipurpose financing in Islamic banking. The results of the study found that the implementation of parallel ijarah contracts in multipurpose financing without collateral in Islamic banking is carried out through a submission process consisting of interview processes, customer business surveys, financing agreements, and implementation of MTA financing activities with monthly installment fees supervised by the bank and the supervisory board sharia with transparency or openness from all parties so that problematic financing does not occur either in the form of default. Keyword: Parallel Ijarah, Multipurpose Without Collateral, Sharia Banking Abstrak Masyarakat saat ini kurang mengetahui bagaimana cara pengimplementasian akad ijarah paralel dalam pembiayaan multiguna tanpa agunan di perbankan syariah dan mereka cenderung melakukan akadnya dengan individu yang lain tanpa mengetahui istilah dan mekanisme yang sesuai itu seperti apa, termasuk terkait resiko yang ditimbulkan karena tidak adanya jaminan yang diberikan nasabah sehingga banyak dari mereka melakukan perbuatan wanprestasi. Tujuan penelitian ini adalah untuk mengetahui implementasi akad ijarah paralel dalam pembiayaan multiguna tanpa agunan di perbankan syariah. Penelitian ini menggunakan metode pendekatan sosiologis empiris yang bersifat deskriptif analisis dengan penggunaan data kualitatif sebagai jenis penelitiannya dan studi kepustakaan (Library Research) sebagai salah satu teknik pengumpulan data nya, selanjutnya data yang telah dihimpun disusun untuk kemudian disimpulkan secara objektif. Pembeda penelitian ini dengan penelitian sebelumnya yaitu terletak pada objek dan subjek yang diteliti lebih kompleks dan terstruktur membahas akad ijarah paralel dalam pembiayaan multiguna tanpa agunan di perbankan syariah. Hasil penelitian menemukan bahwa implementasi akad ijarah paralel dalam pembiayaan multiguna tanpa agunan di perbankan syariah dilakukan melalui proses pengajuan yang terdiri dari proses wawancara, survei usaha nasabah, kesepakatan pembiayaan, dan pelaksanaan kegiatan pembiayaan MTA dengan biaya angsuran setiap bulan yang diawasi oleh perbankan dan dewan pengawas syariah dengan adanya transparansi atau keterbukaan dari semua pihak agar tidak terjadi pembiayaan yang bermasalah baik dalam bentuk wanprestasi. Kata Kunci: Ijarah Paralel, Multiguna Tanpa Agunan, Perbankan Syariah
Mekanisme Transaksi Keuangan Menggunakan Dompet Digital (E-Wallet) dalam Perspektif Hukum Islam Fika, Fika Andriana; Ikram, Muhammad Ikram; Syawal, Syawaluddin Ismail
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 8 No 2 (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.v8i2.7223

Abstract

Saat ini aplikasi e-wallet banyak digunakan oleh masyarakat dalam melakukan suatu transaksi, khususnya transaksi berbasis elektronik. Salah satu aplikasi e-wallet tersebut yaitu aplikasi OVO. Selain memiliki beberapa keunggulan, aplikasi OVO terdapat sesuatu yang agak janggal apabila dilihat dari perspektif hukum Islam yaitu sistem keauangan dalam proses transaksi mengunakan aplikasi OVO. Penelitian ini bertujuan untuk mengetahui bagaimana mekanisme transaksi keuangan mengunakan dompet digital dan untuk mengetahui bagaimana tinjauan hukum Islam terhadap mekanisme transaksi keungan menggunakan dompet digital. Metode penelitian yang digunakan merupakan penelitian kepustakaan (library research) yaitu penelitian yang dilakukan oleh peneliti dengan cara menelaah dan menganalisa buku-buku, literatur, catatan dan laporan yang berkenaan dengan masalah yang akan diteliti. Sumber data diperoleh dari buku, jurnal, artikel, website, dan lainnya. Dari hasil penelitian ini, penulis menyimpulkan bahwa mekanisme transaksi keuangan menggunakan dompet digital menurut hukum Islam adalah “boleh” selama memenuhi prinsip-prinsip syariah yang terhindar dari unsur ribawi, gharar, maupun unsur maysir. E-wallet hanya sebagai alat untuk menyimpan uang secara digital dimana uang yang tersimpan nilainya ada sesuai besaran yang tertera dalam e-wallet. Adapun sistem penggunaan e-wallet termasuk dalam kategori yang berhubungan dengan akad wadi'ah yaitu penitipan saldo yang terjadi ketika melakukan transaksi top-up, dimana saldo yang tersimpan akan dilakukan beberapa transaksi seperti jual beli produk dan sewa (ijarah) untuk transaksi pelayanan jasa. Selain itu, dengan adanya e-wallet ini termasuk dalam perlindungan terhadap harta (hifdz al mal) dan berdampak positif bagi pergerakan perekonomian indonesia. Dompet digital hanya sebagai ujrah dalam layanan pembayaran semua transaksi baik di aplikasi maupun di luar aplikasi, dimana dompet digital ini merupakan alat transaksi.
Asuransi Jiwa Syariah Analisis Hajiyat Dalam Maqashid Asy-Syariah Muhammad, Jaidatul Fikri; Nasution, Adelina; Suryani, Sitti
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 8 No 2 (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.v9i2.7337

Abstract

Abstract This article discusses the prospects and interest of the Indonesian people in sharia life insurance, the development of sharia life insurance which fluctuates and continues to compete with conventional life insurance. The writer then examined this sharia life insurance law using maqashid sharia analysis with the hajjiyat approach. In this case, caution is needed in using this ijtihad method so that the religious law (ijtihad law) that is issued in the fatwa produces laws that are accurate, proportional, acceptable and responsible. This research uses a qualitative research method with a conceptual approach. The concept that we want to analyze here is maqashid sharia by focusing on mashlahah hajjiyat, which means the author wants to research sharia life insurance in its legal status using hajjiyat analysis where hajjiyat is the second level of mashlahah after dharuriyat namely the aim of the law in seeking convenience and eliminating difficulties. If it is related to sharia life insurance, it eliminates difficulties for participants or heirs of sharia life insurance when they experience an accident or disaster to their life, whether illness or death, by making it easier to finance medical treatment, as well as for the heirs who are left behind in fulfilling their livelihood, education costs and even business capital. . The aim of this research is to act as a scientific treasure and be one solution to eliminate the anxiety and confusion of some Muslims regarding the legal status of life insurance, which some scholars consider the law is still controversial.
Strategi Bisnis Kuliner Aceh: Transformasi Identitas Islami Melalui Inovasi Dan Komodifikasi agustinar, Agustinar; Sumarni, Mutia; Mufida, Laila
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 8 No 2 (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.v8i2.7428

Abstract

Abstract The aim of this research is to examine Aceh's culinary business strategy which emphasizes commodification and innovation in order to transform Islamic identity. Aceh's rich culinary heritage reflects the varied and diverse Islamic values that make it the home of Mecca. This study looks at how innovative menus, presentation and customer experience are used by Acehnese food companies to project a strong Islamic identity. This research methodology is qualitative with a descriptive analysis approach including direct observation of industrial operations, literature review, interviews with industry professionals in the culinary arts field, and documentation. The findings of this research show how creative culinary entrepreneurs in Aceh are actively implementing new ideas in preparing and serving food in a way that respects Islamic principles. In addition, the use of branding, MPU Aceh's halal certification, and the provision of places of worship all contribute to the commodification of Islamic identity and are important components of business strategy. The results of this research are that this change in Islamic identity is increasing the gastronomic appeal of Aceh, both among local people and visitors. This business plan is expected to uphold and preserve Aceh's Islamic culinary heritage and have a positive impact on regional economic growth. These results provide in-depth information for the growth of culinary businesses based on Islamic identity in a similar context. Keywords: Commodification of Identity, Business Strategy, Acehnese Culinary
Tinjauan Fiqih Muamalah terhadap Praktik Pinjam Pakai di Desa Sayur Matinggi Kecamatan Sayur Matinggi Kabupaten Tapanuli Selatan Hardani, Rahmad Hardani; Rofiq, Mahbub Ainur Rofiq
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 8 No 2 (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.v9i2.7726

Abstract

The practice of borrowing is a pawn practice that develops in people's lives, especially in Sayur Matinggi Village, Sayur Matinggi District, South Tapanuli Regency. In the practice of borrowing and using rice field owners will pledge their fields to get loans from capital owners. In fact, in the practice of borrowing and using there are still frequent problems. The problem of default and the use of pawn objects, which are still problematic for Islamic scholars, are a series of problems found in the practice of borrowing. This research is empirical legal research using a qualitative approach. This study will analyze and identify the problems found in the practice of lending and using in Sayur Matinggi village, Sayur Matinggi District, South Tapanuli Regency, the perspective of muamalah fiqh. The results showed that the validity of lending practices in Sayur Matinggi Village depends on the use of collateral by the second party. As for the views of madzhab scholars regarding the use of collateral, there are differences of opinion. Some scholars allow it on condition of approval, while others forbid it because of the potential for usury. The practice of lending and using is considered valid if there is a clearly written agreement, including loan terms, and transparency in the use of collateral. However, if there is a default, the agreement becomes void according to the provisions of the muamalah fiqh.
Praktik Jual Beli Buah Rusak Perspektif Hukum Ekonomi Syariah Pada Pasar Tradisional Seruway Nisa, Afratun; Asnita, Dessy; Faisal, Faisal; Mudrika, Syarifah
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 9 No 1 (2024): Al-Muamalat: Jurnal Hukum Dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v9i1.7880

Abstract

The practice of buying and selling damaged fruits in the traditional market of Seruway Sub-district has been ongoing for a long time. In this practice, sellers offer these damaged fruits at relatively low prices, making them highly sought after by consumers. This writing aims to explore how the buying and selling of damaged fruits occur in the traditional market of Seruway Sub-district, Aceh Tamiang Regency, and how Islamic economic perspectives view such practices. The research employed a field research approach with a qualitative descriptive analysis method. The research findings conclude that the buying and selling of damaged fruits occur willingly between sellers and buyers. Sellers proactively separate good-quality fruits from damaged ones, allowing buyers to decide whether they are willing to proceed with the transaction. This approach minimizes disputes or deception between sellers and buyers. According to Islamic economic theory, the practice of buying and selling damaged fruits in the Seruway Sub-district Traditional Market is deemed legitimate. This is because it adheres to the requirements and principles of Islamic commerce. The study contributes to a better understanding of the legal status of buying and selling damaged fruits and can serve as a reference for further research on similar themes.
Penimbunan dan Manipulasi Supply Dalam Perspektif Ekonomi Islam s, Wibi Nugraha Faturrizky; Jenuri
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 9 No 1 (2024): Al-Muamalat: Jurnal Hukum Dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v9i1.8281

Abstract

This study aims to examine the practice of hoarding and supply manipulation in the context of Islamic economics. The research employs a literature review method to investigate Islamic perspectives on these practices and their impacts on society. The findings indicate that hoarding and supply manipulation contradict the principles of Islamic economics, leading to market instability and exacerbating economic disparities. It also discusses the strategies and policies needed to address this phenomenon, including the roles of governments, Islamic financial institutions, and community groups. In conclusion, effective handling of hoarding and supply manipulation is crucial to maintain justice and balance in economic activities, aligning with Islamic principles. Keywords: Hoarding, Supply Manipulation, Islamic Economics
Toxic Masculinity Dalam Perspektif Budaya Kerja Dan Organisasi (Study kasus karyawan Indomaret Kota Lhokseumawe) Zulfikar; Hartanti Dewi; Hendra Sahputra
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 9 No 1 (2024): Al-Muamalat: Jurnal Hukum Dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v9i1.8290

Abstract

Abstrak Apakah toxic masculinity benar-benar ada dan mempengaruhi kinerja sumber daya manusia khususnya tenaga kerja laki-laki yang ada di wilayah kota Lhokseumawe terutama para pekerja atau karyawan yang bekerja pada Indomaret, inilah tujuan dari penelitian ini. Data yang digunakan adalah data primer yang bersumber dari observasi dan wawancara peneliti ke beberpa lokasi usaha waralaba (indomaret) dibeberapa titik yang ada di Kota Lhokseumawe dengan menggunakan metode Kualitatif dengan bentuk lapangan (field research) yang ingin menggambarkan realitas yang kompleks dan memperoleh pemahaman makna yang sering terjadi di sekitar kita. Bahwa laki-laki yang dahulunya identik dengan pekerjaan lapangan yang berkaitan dengan aktifitas fisik dan terik matahari sekarang mengalami pergeseran dikarenakan kebutuhan serta ketersediaan lapangan kerja.
Implementasi Kredit Usaha Rakyat Perspektif Hukum Ekonomi Syariah pada Unit Pegadaian Syariah (UPS) Panton Labu Safaruddin, Safaruddin
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 9 No 1 (2024): Al-Muamalat: Jurnal Hukum Dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v9i1.8293

Abstract

Modal merupakan komponen kunci dalam meningkatkan produktivitas dan kinerja, selain pengaruh UMKM yang besar terhadap perekonomian Indonesia, UMKM juga merupakan salah satu solusi untuk mengurangi kesenjangan pendapatan masyarakat Indonesia, Pemerintah telah mengupayakan peningkatan akses sumber pembiayaan dalam meningkatkan pertumbuhan ekonomi nasional melalui program KUR. Pada tahun 2015, pemerintah Indonesia meluncurkan program KUR yang sesuai dengan prinsip-prinsip Syariah. Pada UPS Panton Labu Kredit Usaha Rakyat ini adalah kebijakan yang baru berjalan selama 2 (dua) tahun, penggunaan akad rahn sebagai akad transaksinya, juga terdapat perihal penggunaan tarif sebesar 3% efektif per tahun, dan tidak adanya isyarat. Penelitian ini merupakan penelitian hukum empiris menggunakan metode deskriptif analisis untuk menggambarkan. Hasil penelitian menunjukkan bahwa unit pegadaian syariah panton labu menerapkan akad rahn tasjily sebagai akad transaksi dalam pembiayaannya. Proses implementasi Kredit Usaha Rakyat di UPS Panton Labu dengan menggunakan akad rahn tasjily. Proses implementasi Kredit Usaha Rakyat di Pegadaian Syariah Panton Labu dengan menggunakan akad Rahn Tasjily dengan marhun berupa dokumen sudah sesuai Kompilasi Hukum Ekonomi Syariah Bab XIV tentang Rahn dan penetapan besaran mu'nah sebagai ujrah sewa tempat penyimpanan sudah tepat dan sesuai dengan Fatwa DSN-MUI No 68/DSMNUI/III/2008 tentang Rahn Tasjily.