Al-Muamalat : Jurnal Ekonomi Syariah
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
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228 Documents
<![CDATA[ANALISIS HUKUM EKONOMI SYARIAH TERHADAP PERATURAN MENTERI PUPR NO. 16/PRT/M/2017 TAHUN 2017 TENTANG TRANSAKSI TOL NONTUNAI DI JALAN TOL ]]>
<![CDATA[Humaedi, Jelisa Awaliyah]]>;
<![CDATA[Al-Hakim, Sofian]]>
<![CDATA[ Al-Muamalat: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2018): January ]]>
Publisher : <![CDATA[Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung ]]>
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DOI: 10.15575/am.v5i1.9652
<![CDATA[PUPR Ministerial Regulation No.16 / PRT / M / 2017 concerning Non-cash Toll Transactions on Toll Roads. Electronic Toll (E-Toll) is a program in the form of an electronic toll payment service in the form of an electronic card used to make payments for entering toll roads. The use of e-toll is only by using a card that is pasted and finished within 4 seconds. The e-toll card is issued by PT. Jasa Marga. The technology used by E-Toll cards is RFID (Radio Frequency Identification) where transactions can be done remotely (contactless). Toll cards do not need a PIN or signature. E-toll is made because of the congestion that always occurs at the toll gate with the aim of shortening the toll payment time so that there is no longer a long queue. The research framework in this study is to analyze the phenomenon of the emergence of PUPR Ministerial Regulation No.16 / PRT / M / 2017 concerning Transaction of Non-toll Toll Roads, which is linked to Law No.7 of 2011 concerning Currency in relation to the Al-Hurriyyah Principle. The writing method used is the empirical juridical method. That is research on legal identification (unwritten law) based on the laws that apply in society, namely customary law and Islamic law. In this study, researchers must deal with citizens who are the object of research so that many regulations are not written in the community. The results of this study indicate that (1) The birth of PUPR Ministerial Regulation No.16 / PRT / M / 2017 concerning Transaction of Non-cash Toll Roads, is an effort to realize a transparent, participatory government and also to develop electronic-based governance in the framework of improve the quality of public services effectively and efficiently. (2) Non-cash transactions on the toll road, provide more benefits than mafsadat. So basically the government program has provided a way out of traffic congestion problems, although at the same time it reduces user freedom.]]>
<![CDATA[APLIKASI AKAD WAKALAH PADA PRODUK BSM E-MONEY DI BANK SYARIAH MANDIRI ]]>
<![CDATA[Yuhanida, Ida]]>;
<![CDATA[Durrotunnafisah, Didah]]>
<![CDATA[ Al-Muamalat: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2018): January ]]>
Publisher : <![CDATA[Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung ]]>
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DOI: 10.15575/am.v5i1.9653
<![CDATA[The development of increasingly sophisticated technology, transactions do not need to bring cash, but nowadays the community has been facilitated by the existence of electronic money (E-Money). BSM E-Money is a product in the Bank Syariah Mandiri Bandung Branch Office Ahmad Yani, which is a prepaid card based on smart cards that can be used for various transactions. BSM E-Money products use the wakalah contract, but in its operation the wakalah contract on BSM E-Money products is not explained in detail in the product implementation instructions, it is feared that there will be misuse of the contract. The purpose of this study is to find out: 1) Application of wakalah contract in BSM E-Money products in Bank Syariah Mandiri. 2) Form and process of transaction of BSM E-Money products. 3) Relevance between the application of wakalah contract on BSM E-Money products at Bank Syariah Mandiri with Sharia Economic Law. The framework of thought of this research is based on the contract used in time with the rewards for BSM E-Money products including the contract contract in terms of leasing services and also based on the principle of muamalah, namely the origin of muamalah may be done until there is a argument that prohibits it. The research method used in this study is a juridical-normative method. The type of data used in this study is qualitative. Source of data used is primary data in the form of interviews with Bank Syariah Mandiri and Product Operational Standards (SOP). Secondary data sources are obtained from literature in the form of books and other written documents. In this study the author uses data collection techniques by means of documentation, interviews and literature studies. The results of the study researchers conclude: 1) Application of wakalah contract on BSM E-Money products at Bank Syariah Mandiri Bandung Branch Office Ahmad Yani uses a wakalah contract whereby Bank Syariah Mandiri represents its work to partner outlets (merchants) to become representatives in transactions done by the customer. Partner outlets (traders) get rewards (wages / fees) from each transaction made by the customer for their work. 2) The form and process of BSM E-Money products can be used in various transactions at partner outlets (traders) that already have E-Money marks and can receive various transactions such as top-up, shopping transactions and payment transactions. 3) The relevance between the wakalah contrct in BSM E-Money products is in accordance with Sharia Economic Law.]]>
<![CDATA[MEKANISME LETTER OF CREDIT SYARIAH DI PT BANK BNI SYARIAH ]]>
<![CDATA[Yutika, Meisa]]>;
<![CDATA[Sa'diyah, Diah Siti]]>
<![CDATA[ Al-Muamalat: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2018): January ]]>
Publisher : <![CDATA[Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung ]]>
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DOI: 10.15575/am.v5i1.9654
<![CDATA[The existence of the changing times, demanding a State of international relations in order to support economic development. One form of international relations, namely business and international trade. one of the first in the international payment system is to use a letter of credit (LC) on the banking service product. LC Sharia is a product that is adopted from Conventional Banking products. However, until now, has not found the regulation governing implementation mechanisms explicitly Sharia LC in Indonesia. Therefore, the need for research on the mechanism of LC in the Islamic Penbankan In Indonesia. The purpose of this research was: 1) To compare the mechanism of implementation of the LC in Islamic banks and Conventional Banks, as well as looking for the difference between the two; 2) To know the regulations used in regulating Islamic Bank Sharia LC; 3) Mechanism to find out the views of the economic law of the Sharia (HES) against Sharia in LC mechanism Islamic banking in Indonesia.  The framework of thought from this research that is using rule jurisprudence mu'amalah "a" meaning originally mu'amalah can be done until there is evidence again outlaw. If the mechanism of implementation of the LC in Conventional Banks is relatively the same as the mechanism of LC in Islamic banks, then the regulation mechanism of LC in Conventional Banks can be used as a regulatory mechanism of LC Sharia, as it is not contrary to the HES. Research methods used in this research is the juridical normative method, and using the conceptual approach and the approach of comparison. As for legal research in this unfamiliar term data but rather a source of law, After the legal materials collected the next step is to analyze the legal materials, described and meninjauanya from the viewpoint of HES, then pulled his conclusion. From the results of this research noted that basically the mechanism of implementation of the LC in Islamic banking in Indonesia (PT. Bank BNI Syariah) is not contrary to the HES. Although there has been no regulation which regulates clearly regarding the implementation of the Islamic Sharia and banking LC refers to the applicable regulation in banking Accounting i.e. UCP, but in practice there are some differences as in the Fund the arrears. Funds allocated for future delinquent Social Fund rather than to the operational funds of the bank, then it is not contrary to the HES.]]>
<![CDATA[PERLINDUNGAN KONSUMEN DALAM TUPPERWARE LIFETIME WARRANTY MENURUT HUKUM EKONOMI SYARIAH ]]>
<![CDATA[Mulyati, M]]>;
<![CDATA[Nurfatoni, Siti]]>
<![CDATA[ Al-Muamalat: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2018): January ]]>
Publisher : <![CDATA[Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung ]]>
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DOI: 10.15575/am.v5i1.9655
<![CDATA[الضمان هو شكل من أشكال خدمات ما بعد البيع التي يقدمها المنتجون للمستهلكين لاستخدام السلع التي يتم استخدامها بشكل مستمر. Ø£Øد المنتجات التي توÙر خدمة الضمان هو تابروير. ضمان تابروير هو ÙÙŠ شكل ضمان مدى الØياة تابروير أو ضمان مدى الØياة تابروير. هذا هو ØŒ يمكن اتخاذها مطالبات الضمان دون Øد زمني. ومع ذلك ØŒ Ùمن النادر العثور على شركة تنتج منتجًا لأكثر من ثلاث سنوات. ماذا عن منتجات تابروير التي لم يتم إنتاجها. بالإضاÙØ© إلى ذلك ØŒ يشير تطبيق ضمان مدى الØياة تابروير إلى وجود عنصر انÙØªØ§Ø Ø¨ÙŠÙ† البائع والمشتري Ùيما يتعلق بأØكام وإجراءات ضمان مدى الØياة تابروير Øتى يسبب عدم اليقين. تهد٠هذه الدراسة إلى معرÙØ© ووص٠الآلية التي تØتوي على Ø£Øكام وإجراءات ضمان مدى الØياة تابروير ØŒ معرÙØ© جهود Øماية المستهلك ÙÙŠ ضمان مدى الØياة تابروير للمنتجات التي لم يتم إنتاجها ومعرÙØ© مراجعة قانون الشريعة الاقتصادية على الآلية والجهود المبذولة Ù„Øماية المستهلكين ÙÙŠ ضمان مدى الØياة تابروير. يستند إطار الÙكر ÙÙŠ هذه الدراسة على نظرية العقد والضمان Ùˆ خيار ععيب ÙˆØماية المستهلك. ويرتبط الضمان ارتباطاً وثيقاً بالخيار عاعيب ØŒ Ùالعلاقة بين الاثنين تكمن ÙÙŠ الكائن المعتاد ØŒ أي Øالة البند (موضوع البيع) المعيبة. إن طريقة البØØ« المستخدمة ÙÙŠ هذه الدراسة هي المنهج الوصÙÙŠ التØليلي ØŒ الطريقة المستخدمة لوص٠Øالة موضوع البØØ« أو موضوعه بناءً على الØقائق التي تظهر ØŒ ثم يتم تØليل نتائج الدراسة لاستخلاص النتائج. نوع البيانات التي تم جمعها ÙÙŠ هذه الدراسة هو نوع من البيانات النوعية. وبناء على نتائج البØوث التي أجريت من قبل المؤلÙين خلص إلى أن الجهود المبذولة Ù„Øماية المستهلكين ÙÙŠ تثبرور الضمان مدى الØياة للمنتج الذي تم وقÙها وستØمل استبدال السلع باستخدام نظام مذكرة الائتمان المطالبة (ج Ù…)ØŒ وقيمة المذكرة الائتمان المقدمة لتجارة التجزئة (والتي كانت ينطبق). ÙÙŠ الأساس الضمان هو شيء مباØØŒ ولكن ÙÙŠ وقت مصنوعة شراء وبيع المنتجات تثبرور، والبائع لا ÙŠÙسر بالتÙصيل القواعد والإجراءات تثبرور الضمان مدى الØياة أنه لا تزال هناك مشترين الذين يشعرون بالظلم، Ùإنه ليس ÙˆÙقا لقوانين الاقتصاد الإسلامي، كما هو الØال ÙÙŠ يجب أن تكون مصØوبة البيع والشراء المعاملات الإسلام بمبدأ الانÙØªØ§Ø Ø¨ÙŠÙ† الطرÙين وذلك لتجنب الغش. وبالإضاÙØ© إلى ذلك، تثبرور الضمان مدى الØياة ليست مناسبة عند الاتصال تماما مع خيار ععيب ØŒ لأن خيار ععيب هو الØÙ‚ ÙÙŠ التصويت لعقد أو إلغاء الصÙقة إذا عيوب وجدت ÙÙŠ البضائع أثناء وجوده ÙÙŠ تثبرور الضمان مدى الØياة غياب إلغاء الصÙقة، ولكن ضمانة ÙÙŠ شكل استبدال السلع التي تقدمها تثبرور للمستهلكين.]]>
<![CDATA[TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP JUAL BELI BUKU BAJAKAN DI TOKO BUKU KAIRO KOTA BANDUNG ]]>
<![CDATA[Wisyahban, Risman]]>;
<![CDATA[Nuraeni, Neni]]>
<![CDATA[ Al-Muamalat: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2018): January ]]>
Publisher : <![CDATA[Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung ]]>
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DOI: 10.15575/am.v5i1.9656
<![CDATA[This research was motivated by the widespread buying and selling of pirated books that occurred in Bandung, one of them in the Cairo bookstore. Book piracy is one form of copyright crime that is prohibited and regulated in the MUI No.1 Year 2003 Fatwa concerning Copyright and Law No.28 of 2014 concerning copyright infringement. This research starts from the idea that the implementation of the sale and purchase of pirated books is a prohibited sale and purchase transaction based on the MUI No.1 Year 2003 Fatwa concerning Copyright and Law No.28 of 2014 concerning Copyright. However, in the implementation of the implementation of the law in the field must also pay attention to aspects of benefits and welfare for both the perpetrators and the impact on the wider community. This research method uses a case study method by conducting in-depth interviews (in-depth interviews), to bookstore owners Cairo City of Bandung. The analysis of the data is by linking the implementation of the sale and purchase of pirated books with the provisions of the law and legislation that apply, namely the Fatwa of MUI No.1 of 2003 concerning Copyright and Law No.28 of 2014 concerning Copyright. The results of this thesis reveal that: (1) that based on the data obtained there has been a sale and purchase of pirated books at the Cairo bookstore in Bandung City. the implementation of bookstore owners accept books from distributors and then sell them to students and the public. (2) while the benefits of buying and selling pirated books (a) never sell out (b) the price of the book is cheaper. Whereas the madharat (a) is very risky to be caught in a criminal case (b) the profits generated are not lawful. (3) according to Sharia Economic Law the sale and purchase of pirated books and the Fatwa of MUI No.1 Year 2003 concerning Copyright or Law No.28 of 2014 pirated sale and purchase constitutes injustice whose laws are unlawful. Harmonization that can be done is that book sellers try to contact authors and publishers so that there is a cheaper edition of the book so that it is affordable for students and the public, or give permission to reproduce with certain agreements.]]>
<![CDATA[PENANGULANGAN KREDIT MACET PADA PEMBIAYAAN MURABAHAH DI BANK RAKYAT INDONESIA SYARIAH KCP. CIANJUR ]]>
<![CDATA[Khoirunisa, Ulfah]]>;
<![CDATA[Arifin, Asep]]>
<![CDATA[ Al-Muamalat: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2018): January ]]>
Publisher : <![CDATA[Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung ]]>
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DOI: 10.15575/am.v5i1.9657
<![CDATA[In a developing economy, people need financial capital to open businesses and expand their business. Business actors obtain financial capital from the bank. This is due to easier access to banking and wider networks in various regions. For that reason, the review of the Shari'ah Law Economics Law on the claims of loan financing (murabaha) of bad debts in LKS is important. Taking into account the phenomenon, the study of Islamic financial institutions, especially regarding the review of Islamic law on financing guarantees and bad credit risk management, becomes something new that deserves to be studied in depth. This study aims to determine the factors that cause the occurrence of problem financing, what things have been applied by Bank BRI Syariah in tackling the problematic financing and how the mechanism of cooperation with the askrindo, and see how the review of Islamic Law Law against the prevention of bad debts in murabahah financing. Murabahah according to the Law No.21 of 2008 concerning Sharia Banking is a Financing Agreement of an item by asserting its purchase price to the buyer and the buyer pays it at a more price as an agreed profit. The research method used is descriptive analysis method, that is research focused on a particular case to be observed and dianalasis thoroughly until thoroughly. The type of data used is the primary data that contains interview author to staff employees BRI Syariah KCP Cianjur either directly or indirectly and secondary data that support in solving research problems. The data collection techniques used through interviews to BRI Syariah and several journals on the problem of bad loans. Based on the result of the research, (1) Factors that cause problem financing in Bank BRI Syariah KCP Cianjur caused by debtor and creditor factor, coping mechanism murabahah stalled in Bank BRI Syariah KCP Cianjur in cooperation with ASKRINDO seen from cause factor congestion because that is handled by the ASKRINDO only a few factors such as fire, sea transport, and motor vehicles, (2) The review according to Al-Qura'an and Al-Hadist against the prevention of bad financing in Murabahah financing in Bank BRI Syariah KCP Cianjur not in accordance with which is contained in Al-Qur'an and Al-Hadist where doing the prevention through mediation with the creditor first and the creditor does not provide openness when making a collective agreement. However, the debtor is not aware of the presence of ASKRINDO in the prevention of bad debts in BRI Syariah KCP Cianjur.]]>
<![CDATA[TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP JUAL-BELI SEPATU MENGGUNAKAN SISTEM RAFFLE (UNDIAN) (Studi Kasus Event Bandung Sneakers Season 2.0) ]]>
<![CDATA[Fachrurrozy, Fachry]]>;
<![CDATA[Kamal, Asep Mustafa]]>;
<![CDATA[Radiana, Aan]]>
<![CDATA[ Al-Muamalat: Jurnal Ekonomi Syariah Vol. 7 No. 1 (2020): January ]]>
Publisher : <![CDATA[Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung ]]>
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DOI: 10.15575/am.v7i1.10855
<![CDATA[Buying and selling with a raffle system is a buying and selling process that uses a lottery to determine the potential buyers who are entitled to buy the items they selected. One of the events that have raffle mechanism is Bandung Sneakers Season 2.0 (BSS 2.0) event. The purpose of this research is to study the mechanism, advantages and disadvantages, and the process of selling and buying of shoes with the raffle system of BSS 2.0 according to Islamic economic law. The method used in this research is descriptive method that is intended to provide a description of the phenomenon or object of research. The results of this study prove that there are three types of raffle mechanisms at BSS 2.0 event. The advantages that can be obtained in the raffle system are minimizing charting, saving time and conducive, while the disadvantages that can be obtained are tickets that must be purchased in greater quantities, and requiring potential shoe buyers to buy unneeded products. Raffle mechanism with tickets obtained for free is a permitted transaction, whereas raffle with tickets obtained by buying sponsor products or buying it directly is a unallowed transaction because there is an element of gambling.]]>
<![CDATA[ANALISIS HUKUM EKONOMI SYARIAH TERHADAP PERAN BANK ADMINISTRATOR RDN (REKENING DANA NASABAH) KONVENSIONAL DI PT. INDOPREMIER SEKURITAS ]]>
<![CDATA[Nurhayati, Fiska]]>;
<![CDATA[Hasanuddin, Muhammad]]>;
<![CDATA[Fatoni, Siti Nur]]>
<![CDATA[ Al-Muamalat: Jurnal Ekonomi Syariah Vol. 7 No. 1 (2020): January ]]>
Publisher : <![CDATA[Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung ]]>
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DOI: 10.15575/am.v7i1.10856
<![CDATA[RDN Bank Administrators are investors' deposit funds, at this time in Indonesia there have been three RDN Sharia Bank Administrators. This research is motivated by regulations regarding the prohibition of using Ribawi financial services in investments in the Islamic capital market. All instruments and mechanisms in the Islamic capital market must be in accordance with Islamic principles. There are Securities Companies that use conventional RDN Administaror Banks in sharia securities sale and purchase transactions. Securities companies that provide SOTS (Sharia Online Trading System) facilities should have all the processes adjusted to the provisions issued by the regulator. This study aims to determine the legal position of conventional RDN (Customer Fund Account) storage according to Sharia Economic Law in Indonesia. The method used in this research is juridical-normative. Based on the results of the study, it can be concluded that the activities of Islamic capital market investment in PT. Indo Premier Sekuritas has used SOTS (Sharia Online Trading System) as well as in its mechanism PT.Indo Premier Sekuritas has separated from non-halal effects. However, it becomes an obstacle when investors move their securities accounts from regular to SOTS, RDN banks that are used continue to use conventional. The legal status of depositing Conventional RDN (Customer Fund Account) according to the juridical aspects of Sharia Economic Law is not in accordance with sharia principles in the capital market, and has violated POJK No. 15 of 2015 Article 2 Paragraph 1 concerning Application of Sharia Principles in the Capital Market.]]>
<![CDATA[PERILAKU KONSUMEN MUSLIM TERHADAP KONSUMSI FOOD AND BEVERAGE PADA MASA PANDEMI COVID-19 ]]>
<![CDATA[Dzikrayah, Fithri]]>
<![CDATA[ Al-Muamalat: Jurnal Ekonomi Syariah Vol. 7 No. 1 (2020): January ]]>
Publisher : <![CDATA[Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung ]]>
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DOI: 10.15575/am.v7i1.10857
<![CDATA[Penelitian ini bertujuan untuk mendeskripsikan perilaku konsumen muslim selama adanya Covid-19 yang berdampak pada pendapatan, pola konsumsi serta perilaku mengambil keputusan seseorang. Perubahan-perubahan kondisi tersebut memengaruhi bagaimana konsumen menetapkan keputusannya untuk mengkonsumsi food and beverage sebagai salah satu industri yang bertahan ditengah-tengah kondisi diberlakukanÂnya social distancing dan lambat laun mengalami penurunan. Penelitian ini menggunakan metode library research dengan pendekatan kualitatif dan menerapkan metode analisis data dengan analisis deskriptif. Teknik pengumpulan data yaitu dengan observasi dan studi dokumentasi. Adapun penelitian ini mengambil objek perilaku konsumen muslim dalam konsumsi food and beverage saat pandemi covid-19 kemudian hasil penelitian diolah untuk diambil kesimpulannya. Hasil penelitian ini menyimpulkan bahwa perilaku konsumen muslim terhadap konsumsi food and beverage pada masa pandemi covid-19 tidak berbeda dengan sebelum adanya virus ini sebab mengacu pada Al-Quran dan Hadits dimana perilaku konsumen muslim harus menghindari atau menjauhi dari sifat israf (berlebih-lebihan) dan sifat tabdzir (boros). Perilaku konsumen muslim juga dipastikan menggunakan barang dan jasa yang halal. Ketika konsumen muslim harus dapat menahan diri dari konsumsi yang israf, berarti konsumen muslim tidak harus mengÂhabiskan seluruh pendapatannya untuk konsumsi barang dan jasa melainkan dialokasikan pula terhadap tanggung jawab sosial.]]>
<![CDATA[PENERAPAN METODE BREAK EVEN POINT DALAM PEMBIAYAAN MUDHARABAH DI BPRS HIK CILEUNYI ]]>
<![CDATA[Kusuma, Indah Lestari]]>;
<![CDATA[Al-Hakim, Sofian]]>;
<![CDATA[Azazy, Yusup]]>
<![CDATA[ Al-Muamalat: Jurnal Ekonomi Syariah Vol. 7 No. 1 (2020): January ]]>
Publisher : <![CDATA[Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung ]]>
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DOI: 10.15575/am.v7i1.10858
<![CDATA[Harta Insan Karimah Islamic People's Financing Bank (BPRS) is a financial institution that applies the break even point method in an effort to prevent losses and make decisions in mudharabah financing. In its application, this method must be calculated carefully and thoroughly and know the magnitude of the benefits or its disadvantages and what if the calculations are wrong. Then the legal status is still being questioned. This study aims to determine the review of Islamic economic law on the application of the break-even point method in mudharabah financing at SRB HIK Parahyangan Cileunyi. The method used in this research is a descriptive case study. Based on the results of the study, it can be concluded that the application of the break-even point method cannot be made as a final decision because this method can only be used in a stable economic situation so as not to burden and cause injustice to. In a review of Islamic economic law, this method may be used because it is a business habit or 'urf that is known by business actors in the effort of risk loss management in stable economic conditions, this method is in accordance with the principles of muamalah namely principle' is or justice, principles antaradhin, the principle of manfaah (tabadu al-manafi '), the principle of ash-shiddiq and the principle of adam al-gharar and muamalah fiqh rules.]]>
