cover
Contact Name
Opik Rozikin
Contact Email
rozikinopik@gmail.com
Phone
+6285862536992
Journal Mail Official
jurnalal-muamalat@uinsgd.ac.id
Editorial Address
Jl. AH. Nasuiton No. 105 Cibiru Kota Bandung
Location
Kota bandung,
Jawa barat
INDONESIA
Al-Muamalat : Jurnal Ekonomi Syariah
ISSN : 20863225     EISSN : 27160610     DOI : 10.15575/am
Al-Muamalat: Jurnal Ekonomi Syariah is a journal that focuses on the development of Islamic Economics. The journal comprehensively examines various aspects of current and emerging laws and economics relevant to the field. The journal board welcomes articles from scholars, professionals, researchers, and students as a collective effort toward the advancement of Islamic economics, submitted manuscripts will be published and disseminated. The journal releases new issues twice annually, in January and July. Al-Muamalat: Jurnal Ekonomi Syariah focuses on the main issues in the development of Islamic Economics, covering conceptual ideas and research findings related to the following areas: 1. Islamic Economics Law 2. Islamic Banking and Finance 3. Islamic Business 4. Islamic Law 5. Islamic Marketing 6. Islamic Philanthropy 7. Islamic Human Capital 8. Halal Supply Chain Management 9. Halal Industry 10. Other Topics Related to Islamic Economics
Articles 8 Documents
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IMPLEMENTASI QANUN ACEH NOMOR 11 TAHUN 2018 TENTANG LEMBAGA KEUANGAN SYARIAH DAN KAITANNYA DENGAN PRAKTIK RIBA DI MASYARAKAT DESA ALUE DAWAH: THE IMPLEMENTATION OF ACEH QANUN NO. 11/2018 ON SHARIA FINANCIAL INSTITUTIONS AND ITS RELATION TO THE PRACTICE OF USURY IN THE COMMUNITY OF ALUE DAWAH VILLAGE Perdana, Putri; Ruhendi, Ateng; Sadi'ah, Diah Siti
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 8 No. 2 (2021): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v8i2.12901

Abstract

Qanun on Islamic financial institutions is one way for the Aceh government to present a community economy that is in accordance with Islamic teachings. However, the people of Alue Dawah village, Babahrot sub-district, still carry out muamalah practices that are not in accordance with Islamic teachings, these practices are transactions that still contain elements of usury. This study aims to determine the understanding of the people of Alue Dawah village that there is usury, to find out the types of usury practices that are often carried out by the people of Alue Dawah village and to know the application of Aceh Qanun No. 11 of 2018 on the practice of usury in the village community of Alue Dawah. This study uses a qualitative method with a descriptive analytical approach and normative juridical, to collect data in the Alue Dawah village community and describe or explain what is from the results of the research and synchronize the qanun of Islamic financial institutions so that it can be compiled in written form (narrative), interpreted and analyzed. The results show that the people of Alue Dawah village can understand usury and its law from various perspectives, although they cannot explain it systematically. The practice of usury that is often carried out by the people of Alue Dawah village is usury qard and usury jahiliyah, while the current application of the qanun of Islamic financial institutions has not shown any connection with usury practices carried out by the people of Alue Dawah village. Qanun Lembaga Keuangan Syariah merupakan salah satu cara pemerintah Aceh menghadirkan ekonomi syariah di tengah-tengah masyarakat Aceh. Kenyataannya, masih ada desa yang tidak melaksanakan Qanun tersebut. Masyarakat Desa Alue Dawah kecamatan Babahrot masih melakukan praktik riba. Penelitian ini bertujuan untuk mengetahui pemahaman masyarakat Desa Alue Dawah terhadap riba, mengetahui jenis praktik riba yang sering dilakukan oleh masyarakat Desa Alue Dawah dan mengetahui penerapan Qanun Aceh No. 11 Tahun 2018 terhadap praktik riba di masyarakat Desa Alue Dawah. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif analitis dan yuridis normatif. Penulis mengumpulkan data, sinkroniasasi dengan Qanun, menganalisis, dan memaparkan dalam bentuk naratif. Hasil penelitian menunjukkan bahwa sebenarnya masyarakat Desa Alue Dawah mengetahui jenis-jenis riba dan hukumnya, namun tidak dapat memahami dan menjelaskan secara sistematis. Oleh karena itu, masyarakat masih melakukan praktik riba. Praktik riba yang sering dilakukan masyarakat Desa Alue Dawah ialah riba qard dan riba jahiliyah. Kesimpulannya, Qanun Lembaga Keuangan Syariah belum banyak dipahami dan dilaksanakan oleh masyarakat Desa Alue Dawah.
INVESTASI EMAS ONLINE DI APLIKASI SHOPEE DAN PT. PEGADAIAN DALAM PERSPEKTIF FATWA DSN-MUI NOMOR 77/DSN-MUI/V/2010 TENTANG JUAL BELI EMAS SECARA TIDAK TUNAI: ONLINE GOLD INVESTMENT IN SHOPEE APPLICATION AND PT. PEGADAIAN IN THE PERSPECTIVE OF DSN-MUI FATWA NUMBER 77/DSN-MUI/V/2010 CONCERNING THE SALE AND PURCHASE OF GOLD IN CASH. Sopiah, Pipi; Sadi'ah, Diah Siti
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 8 No. 2 (2021): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v8i2.12961

Abstract

PT. Pegadaian cooperates with Shopee to launch Gold Savings which is present in the Shopee Application. This study aims to determine the online gold investment mechanism in Shopee and PT applications. Pegadaian, as well as knowing the implementation of sharia contracts in gold investment in the Shopee Application and the review of the DSN-MUI Fatwa Number 77/DSN-MUI/V/2010 on online gold investment practices in the Shopee application. This type of research is qualitative-descriptive with the case study method to explain or describe online gold investment in the Shopee and PT applications. Pawnshop. Based on the results of the study, it was found that the Shopee Application only provides facilities for the gold investment process, including gold buying and selling services in the form of digital or balance. Furthermore, gold can be printed through PT. Pawnshop with terms and conditions that apply. Online gold investment on the Shopee Application and PT. The pawnshop is not following the murabahah contract or the wadi'ah contract. So, the gold investment at Shopee does not use sharia contracts following Islamic sharia principles. However, according to the DSN-MUI fatwa No. 77/DSN-MUI/V/2010, buying and selling gold in cash is permitted, provided that the gold is not used as a means of payment/debt (tsaman). In conclusion, investing in gold in the Shopee application is permissible but does not use sharia contracts. PT. Pegadaian bekerjasama dengan Shopee meluncurkan Tabungan Emas pada Aplikasi Shopee. Penelitian ini bertujuan untuk mengetahui mekanisme investasi emas online di aplikasi Shopee dan PT. Pegadaian, serta mengetahui implementasi akad-akad syariah pada investasi emas di Aplikasi Shopee, serta mengetahui tinjauan Fatwa DSN-MUI Nomor 77/DSN-MUI/V/2010 terhadap praktik investasi emas online di aplikasi Shopee. Jenis penelitian ini adalah kualitatif-deskriptif dengan metode studi kasus yaitu untuk menjelaskan atau menggambarkan investasi emas online di aplikasi Shopee dan PT. Pegadaian. Berdasarkan hasil penelitian ditemukan bahwa Aplikasi Shopee hanya menyediakan fasilitas pada proses investasi emas, termasuk juga layanan pembelian dan penjualan emas berupa digital atau saldo. Selanjutnya emas bisa cetak melalui PT. Pegadaian dengan syarat dan ketentuan yang berlaku. Investasi emas online pada Aplikasi Shopee dan PT. Pegadaian tidak sesuai dengan akad murabahah, maupun akad wadi'ah. Sehingga investasi emas tersebut tidak menggunakan akad-akad syariah sesuai dengan prinsip syariat Islam. Namun, menurut fatwa DSN-MUI Nomor 77/DSN-MUI/V/2010 jual beli emas secara tidak tunai diperbolehkan dengan syarat emas tersebut tidak dijadikan sebagai alat pembayaran / utang (tsaman). Kesimpulannya, investasi emas pada aplikasi Shopee diperbolehkan namun tidak menggunakan akad-akad syariah.
ZAKAT SAHAM MNC SEKURITAS CABANG BANDUNG DALAM PERSPEKTIF FIQH TABARRU': ZAKAT ON SHARES OF MNC SECURITIES BRANCH BANDUNG IN THE PERSPECTIVE OF FIQH TABARRU' Muzaki, Amar; Arifin, Tajul; Yuniarti, Vinna Sri
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 8 No. 2 (2021): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v8i2.12969

Abstract

Share zakat is a development object of zakat mal. With the increase in stock investors, zakat shares have high potential. MNC Sekuritas has a stock zakat feature as a zakat service with a stock object in collaboration with Rumah Zakat as amil zakat fund manager. However, zakat on shares is not for all shares listed on the IDX. This study aims to determine, describe, and analyze the criteria for shares that can be zakat and how the practice of implementing zakat shares at MNC Sekuritas Bandung is based on a review of sharia economic law. This research was conducted with a descriptive method, namely describing and reviewing the implementation of stock zakat at MNC Sekuritas Bandung. Sources obtained from the provisions relating to zakat shares from the MNC Sekuritas Bandung. This study concludes, shares that can be used as objects of zakat must be included in the Sharia Securities List (DES) and obtained lawfully so that not all shares can be zakated as not all assets can be zakat, the implementation of zakat shares at MNC Sekuritas Bandung is the same as the implementation of zakat in general and its implementation also easy and efficient. According to a review of sharia economic law, the implementation of zakat shares at MNC Sekuritas Bandung is based on sharia provisions and principles terms, and pillars. Zakat saham merupakan pengembangan objek zakat mal. Bertambahnya investor saham, zakat saham memiliki potensi tinggi. MNC Sekuritas memiliki fitur zakat saham sebagai layanan zakat dengan objek saham bekerja sama dengan Rumah Zakat sebagai amil pengelola dana zakat. Namun zakat saham tidak untuk semua saham yang terdaftar di BEI. Penelitian ini bertujuan untuk mengetahui, mendeskripsikan, serta menganalisis kriteria saham yang dapat dizakatkan serta bagaimana praktik pelaksanaan zakat saham di MNC Seuritas Bandung berdasarkan tinjauan fiqh tabarru. Penelitian ini dilakukan dengan metode deskriptif, yaitu memaparkan dan meninjau pelaksanaan zakat saham di MNC Sekuritas Bandung. Sumber diperoleh dari ketentuan yang berkaitan dengan zakat saham dari pihak MNC Sekuritas Bandung. Hasil penelitian ini ditemukan bahwa saham yang dapat dijadikan objek zakat haruslah masuk Daftar Efek Syariah (DES) dan diperoleh dengan halal sehingga tidak semua saham dapat dizakatkan sebagaimana tidak semua harta dapat dizakati. Selain itu, pelaksanaan zakat saham di MNC Sekuritas Bandung sama dengan pelaksanaan zakat pada umumnya serta pelaksanaanya pun mudah dan efisien. Kesimpulannya, pelaksanaan zakat saham di MNC Sekuritas Bandung telah sesuai dengan ketentuan serta prinsip syariah baik dari segi syarat maupun rukun.
PENYELESAIAN WANPRESTASI NASABAH DALAM AKAD MUDHARABAH (STUDI KASUS DI BJB SYARIAH KCP PATROL): SETTLEMENT OF CUSTOMER DEFAULTS IN MUDHARABAH CONTRACTS (CASE STUDY AT BJB SYARIAH KCP PATROL) Milati, Arina; Arifin, Tajul
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 8 No. 2 (2021): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v8i2.14002

Abstract

Defaults can be subject to ta'zir, contract cancellation, risk transfer, or paying for the case. Ta'zir is enforced by Islamic Banks to prevent customers from being negligent about their obligations. The research aims to find out the settlement of default customers, to find out the factors that cause customer defaults, and to find out the results of the analysis regarding DSN Fatwa No. 17/DSN-MUI/IX/2000 regarding procedures for settling defaults in mudharabah contracts at BJB Syariah KCP Patrol. The method used is descriptive qualitative. The results of his research are that settlement of default customers at KCP Patrol is carried out by imposing ta'zir fines and attempts to reprimand via SMS, visiting the customer's house, summoning the customer to come to the bank, giving a subpoena 3 (three) times, to confiscating collateral if the customer is still just don't pay the installments. Factors that cause default customers are a declining business, deliberately delaying payments or being negligent, not having good faith, and sick customers. In conclusion, DSN Fatwa No. 17/DSN-MUI/IX/2000 is not fully implemented because at BJB Syariah KCP Patrol still applies ta'zir fines to all customers without exception. Wanprestasi dapat dikenakan ta'zir, pembatalan kontrak, peralihan risiko, maupun membayar perkaranya. Ta'zirĀ diberlakukan oleh Bank Syariah dalam upaya mencegah nasabah yang lalai akan kewajibannya. Penelitian bertujuan untuk mengetahui penyelesaian nasabah wanprestasi, mengetahui faktor-faktor yang menyebabkan wanprestasi nasabah dan mengetahui hasil analisis mengenai Fatwa DSN No. 17/DSN-MUI/IX/2000 terhadap prosedur penyelesaian wanprestasi dalam akad mudharabah di BJB Syariah KCP Patrol. Metode yang digunakan adalah deskriptif kualitatif. Hasil penelitiannya adalah penyelesaian terhadap nasabah wanprestasi di KCP Patrol dilakukan dengan cara mengenakan denda ta'zir dan upaya teguran melalui SMS, mendatangi rumah nasabah, memanggil nasabah datang ke bank, memberikan surat somasi sebanyak 3 (tiga) kali, hingga penyitaan jaminan apabila nasabah masih saja tidak membayar angsurannya. Faktor-faktor yang menyebabkan nasabah wanprestasi yaitu memiliki usaha yang menurun, sengaja menunda-menunda pembayaran atau lalai, tidak mempunyai itikad baik dan nasabah sakit. Kesimpulannya, Fatwa DSN No. 17/DSN-MUI/IX/2000 tidak sepenuhnya diterapkan karena di BJB Syariah KCP Patrol masih menerapkan denda ta'zir kepada semua nasabah tanpa terkecuali.
ARISAN ONLINE DENGAN SISTEM MENURUN DALAM HUKUM EKONOMI SYARIAH DAN UNDANG-UNDANG NOMOR 19 TAHUN 2016 TENTANG ITE (Studi Kasus: Instagram @arisan_gadgetmurah): ONLINE ARISANTS WITH DOWN SYSTEMS IN SHARIAH ECONOMIC LAW AND LAW NUMBER 19 YEAR 2016 CONCERNING ITE (Case Study: Instagram @arisan_gadgetmurah) Azizah, Disa Rizkiana; Aliyudin, Aliyudin; Jaenudin, Jaenudin
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 8 No. 2 (2021): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v8i2.14229

Abstract

One of the accounts that organize online arisan with a declining system is the Instagram account @arisan_gadgetmurah. The purpose of this study was to find out the mechanism for implementing the declining system of online arisan on Instagram social media and to find out the review of sharia economic law and the ITE Law on the declining system of online arisan on Instagram social media @arisan_gadgetmurah. The method used in this research is a qualitative method with a case study approach. The results of the study found that online arisan with a descending system in the @arisan_gadgetmurah account uses number slots. Interestingly, the contributions that are deposited vary depending on the slot number taken, but all participants will get the same amount of money. Based on a review of Sharia Economic Law, the declining online arisan system @arisan_gadgetmurah is not in accordance with sharia principles because it contains elements of injustice and usury in the difference in contribution amounts, and contains elements of tyranny because it is not transparent in determining the number one contribution amount. In conclusion, online arisan with a declining system on Instagram social media provides more harm than benefits, because it is not in accordance with sharia economic law and Law Number 19 of 2016 concerning ITE. Salah satu akun yang menyelenggarakan arisan online dengan sistem menurun adalah akun instagram @arisan_gadgetmurah. Tujuan penelitian ini untuk mengetahui mekanisme pelaksanaan arisan online sistem menurun di media sosial instagram dan mengetahui tinjauan hukum ekonomi syariah dan Undang-Undang ITE terhadap arisan online sistem menurun di media sosial instagram @arisan_gadgetmurah. Metode yang digunakan dalam penelitian adalah metode kualitatif dengan pendekatan studi kasus (case study). Hasil penelitian ditemukan bahwa arisan online dengan sistem menurun di akun @arisan_gadgetmurah menggunakan slot nomor. Menariknya iuran yang disetorkan berbeda-beda tergantung nomor slot yang diambil tetapi semua peserta akan mendapatkan jumlah get yang sama. Berdasarkan tinjauan Hukum Ekonomi Syariah, arisan online sistem menurun @arisan_gadgetmurah tidak sesuai prinsip syariah karena mengandung unsur ketidakadilan dan riba dalam perbedaan jumlah iuran, serta mengandung unsur kedzaliman karena tidak transparan dalam menetapkan jumlah iuran nomor satu. Kesimpulannya, arisan online dengan sistem menurun pada media sosial instagram lebih banyak memberikan mudarat dibandingkan manfaat, karena tidak sesuai dengan hukum ekonomi syariah dan Undang-Undang Nomor 19 Tahun 2016 tentang ITE.
WAQF MANAGEMENT BY ISLAMIC BOARDING SCHOOLS FOR ECONOMIC INDEPENDENCE OF MUSLIM COMMUNITIES: A CASE STUDY OF PERSIS IN WEST JAVA Jaenudin, Jaenudin; Saepullah, Usep; Hidayat, Agi Attaubah
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 8 No. 2 (2021): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v8i2.43948

Abstract

Waqf is a crucial institution in Islamic social practices utilised for community welfare since the era of Prophet Muhammad (peace be upon him). Initially, waqf primarily consisted of immovable assets, such as agricultural land, as Umar ibn Khattab's waqf demonstrated. In Islamic law, waqf has distinct legal characteristics that set it apart from zakat, infaq, sadaqah, and hibah, even though they share similarities in material nature. Over time, the scope and management of waqf have evolved, particularly in Islamic boarding schools (pesantren), which leverage waqf to foster economic independence for the Muslim community. This study explores waqf management within Persatuan Islam (Persis) pesantren in West Java, focusing on its regulatory framework, implementation, and distribution of benefits. The findings indicate that waqf management within Persis adheres to structured guidelines, as outlined in the Kaifiyat Kerja and Pedoman Jam'iyyah Persatuan Islam (2011). Waqf management in Persis pesantren is carried out independently, with pesantren acting as both managers (nadzir) and implementers. The distribution of waqf benefits is predominantly directed toward social and educational initiatives. However, efforts to expand its role in developing broader economic independence require further collaboration with economic actors to fully realise the potential of waqf in supporting the community's welfare.
ABU YUSUF'S ECONOMIC THOUGHT: PRINCIPLES, METHODOLOGIES, AND RELEVANCE TO MODERN ISLAMIC ECONOMICS Fatoni, Siti Nur
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 8 No. 2 (2021): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v8i2.44126

Abstract

This study investigates Abu Yusuf's economic thought, the prevailing views among scholars during his era, and the relevance of these ideas in modern economic contexts. The focus is on understanding the structure and characteristics of his economic concepts, the methodologies employed to address economic challenges, and their applicability to current developments. Grounded in an economic school of thought that integrates Islamic principles into economic life, the study highlights the combination of moral values, economic theory, and historical perspectives. Islamic economics is described as a framework of principles derived from the Qur'an and Sunnah, adaptable to the needs of specific periods and contexts. A historical-descriptive method is employed to analyze contributions to Islamic economics without internal critique. The central discussion addresses systemic issues affecting lower-income groups, such as economic disparities and unequal wealth distribution. Proposed solutions emphasize reducing burdens on marginalized groups and narrowing economic gaps. The analysis underscores the role of state institutions as mechanisms for enabling effective economic interventions, fostering equity, and promoting inclusivity. These perspectives offer insights for addressing modern economic challenges and integrating ethical and equitable principles into economic systems.
ENHANCING LEGAL CERTAINTY AND INSTITUTIONAL MODELS FOR HALAL CERTIFICATION IN INDONESIA'S FOOD AND BEVERAGE SECTOR Asro, Muhammad; Sofyan, Ayi
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 8 No. 2 (2021): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v8i2.44160

Abstract

The implementation of Law No. 33 of 2014 on Halal Product Assurance (Jaminan Produk Halal, JPH) in Indonesia highlights significant challenges in legal protection and institutional frameworks. These include public awareness gaps about the halal certification process, lack of compliance among certified entities, and the delayed establishment of the Halal Product Assurance Agency (BPJPH), which became operational in October 2017 but has not yet fully met its mandate. This study aims to develop an institutional model for implementing Article 4 of the Halal Product Assurance Law, focusing on the food and beverage sector in Indonesia. It also explores the philosophical underpinnings of halal principles (halalan tayyiban) in alignment with Qur'anic guidance (Q.S. Al-Baqarah: 168) and modern medical insights on health and well-being. Employing a normative-empirical legal research approach, this study utilizes descriptive qualitative analysis to synthesize regulatory frameworks, empirical findings, and philosophical insights, concluding with inductive reasoning to propose practical solutions. Findings indicate that BPJPH's implementation of the JPH Law remains suboptimal due to insufficient numbers of authorized Halal Product Institutions (LPHs). Moreover, the transition from a voluntary to a mandatory halal certification system introduces critical legal and procedural shifts, including new obligations, validity periods, and auditing requirements. These challenges underline the need for policy adjustments to ensure legal certainty and effective governance.

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