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Al-Muamalat : Jurnal Ekonomi Syariah
Published by Universitas Islam Negeri Sunan Gunung Djati Bandung
ISSN : 20863225     EISSN : 27160610     DOI : 10.15575/am
Core Subject : Economy, Humanities, Social,
Humanities Economics, Econometrics & Finance Social Sciences
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
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 228 Documents
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PRAKTEK PENYELENGGARAAN TRANSAKSI LAYANAN SYARIAH LINKAJA PADA PT. FINTEK KARYA NUSANTARA DIHUBUNGKAN DENGAN FATWA DSN-MUI NOMOR: 116/DSN- MUI/IX/2017: THE PRACTICE OF ORGANIZING LINKAJA SHARIA SERVICE TRANSACTIONS AT PT. FINTEK KARYA NUSANTARA IS RELATED TO THE DSN-MUI FATWA NUMBER: 116/DSN- MUI/IX/2017 Pradina, Dhimas Candra; Sumiati, Sumiati
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 8 No. 1 (2021): January
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.v8i1.14464

Abstract

ABSTRACT The contract between the issuer and the electronic money holder based on the DSN-MUI Fatwa regarding sharia electronic money is to use a wadi'ah contract or a qardh contract. One of the sharia electronic money products is the LinkAja Sharia Service. The purpose of this study is to determine the mechanism and implementation of electronic money transactions for LinkAja Syariah Services based on the DSN-MUI Fatwa Number: 116/DSN-MUI/IX/2017. The research method used is descriptive in the form of exposure and review of the implementation of the LinkAja Syariah Service transaction. The results of this study conclude that the LinkAja Syariah Service electronic money transaction mechanism is more core using the qardh contract in the contract, and the rewards/promotions provided are voluntary. The mechanism of sharia electronic money transactions with voluntary rewards is allowed, while the required rewards are not allowed because there is an element of usury.   ABSTRAK Akad antara penerbit dengan pemegang uang elektronik berdasarkan Fatwa DSN-MUI tentang uang elektronik syariah adalah memakai akad wadi'ah atau akad qardh. Salah satu produk uang elektronik syariah adalah Layanan Syariah LinkAja. Tujuan penelitian ini yaitu untuk mengetahui mekanisme dan pelaksanaan transaksi uang elektronik Layanan Syariah LinkAja berdasarkan Fatwa DSN-MUI Nomor: 116/DSN-MUI/IX/2017. Metode penelitian yang digunakan yakni metode deskriptif yang berupa pemaparan dan peninjauan pelaksanaan transaksi Layanan Syariah LinkAja, Hasil dari penelitian ini menyimpulkan bahwa mekanisme transaksi uang elektronik Layanan Syariah LinkAja lebih inti menggunakan akad qardh dalam akadnya, serta imbalan/promosinya yang diberikan bersifat sukarela. Mekanisme transaksi uang elektronik syariah dengan imbalan secara sukarela adalah diperbolehkan, sedangkan imbalan yang dipersyaratkan adalah tidak diperbolehkan sebab terdapat unsur riba.
Review of DSN-MUI Fatwa No. 177/DSN-MUI/II/2018 against the Practice of Paying Products on Credit Using the Shopee PayLater Payment Feature on the Shopee Application Prasetyo, Yoyok; Fatimah, Neneng
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 9 No. 1 (2022): January
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.v9i1.14617

Abstract

This study aims to find out to practice credit payments using the SPayLater feature in the Shopee application and the suitability of loan funds through the SPayLater feature is based on the DSN-MUI fatwa No.177/DSN-MUI/II/2018 concerning Information Technology-Based Financing Services Based on Sharia Principles. This research was conducted using a descriptive method, which describes specifically the practice of product payments using the SPayLater feature and conformity analysis based on sharia. The results of this study conclude that the use of SPayLater can be done after activation. As for the practice, select the item you want to buy then, click the payment method and select SPayLater, click long payment then confirm, click make the order and enter the Shopeepay PIN. Analysis of the suitability of the DSN-MUI fatwa No. 177/DSNMUI/ II/2018 on loan funds in the form of electronic money in the SPayLater feature there are things in practice that are not in accordance with sharia principles, in which there is an additional fee of minimum installments of 2-95% of the total payment and there are late fees of 5 percent of the total invoices that are due.
TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP PENGGUNAAN SOCIAL MEDIA MARKETING PANEL PADA AKUN INSTAGRAM INVITASEE: REVIEW OF SHARIA ECONOMIC LAW ON THE USE OF SOCIAL MEDIA MARKETING PANELS ON THE INVITASEE INSTAGRAM ACCOUNT Anshoruddin, Muhammad Luthfi
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 8 No. 1 (2021): January
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.v8i1.14674

Abstract

Social Media Marketing Panel (SMM Panel) adalah salah satu cara untuk meningkatkan kredibilitas toko online di media sosial termasuk Instagram. Penelitian ini dilatarbelakangi oleh persaingan usaha yang semakin ketat. Para calon pembeli hanya akan memilih toko online yang terpercaya. Beragam cara dilakukan toko online untuk meningkatkan kredibilitasnya. Salah satunya dengan menggunakan SMM Panel untuk menambah jumlah follower, like, view, dan comment. Hal tersebut juga dilakukan Invitasee demi menaikkan kredibilitas dan menambah pengguna jasanya. Terdapat ketimpangan dalam praktik penggunaan SMM Panel dengan etika dan prinsip Hukum Ekonomi Syariah. Penelitian bertujuan untuk mengetahui mekanisme penggunaan SMM Panel oleh Invitasee dan tinjauan hukum ekonomi syariah terhadapnya. Penelitian ini menggunakan metode kualitatif yang bersifat deskriptif analitis yaitu penulis mencari suatu fakta yang terjadi dengan interpretasi yang tepat seperti masalah-masalah yang terjadi dalam kegiatan bisnis, serta tata cara yang berlaku dalam bisnis oleh akun instagram Invitasee meliputi pihak yang bertransaksi, produk dan jasa, pemasaran dan penjualan. Penulis megumpulkan data dengan melakukan wawancara kepada pelaku usaha, pembeli, serta masyarakat umum. Hasil penelitian ini menyimpulkan bahwa penggunaan social media marketing panel pada akun instagram Invitasee mengandung unsur rekayasa yang menipu konsumen dan tergolong ke dalam praktik bai' najasy. Dalam melakukan bisnis, pelaku usaha wajib jujur dan terbuka serta tidak mengelabui konsumen.
Analisis Komparatif Lembaga Hisbah Di Zaman Rasulullah Dengan Zaman Modern Berdasarkan Sistem Ekonomi Islam: Comparative Analysis of the Hisbah Institution in the Age of the Prophet with the Modern Age Based on the Islamic Economic System Lestari, Diana; Puspita, Fidri Fadillah; Latifah, Fitri Nur
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 9 No. 2 (2022): 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.v9i2.16270

Abstract

Islamic Economics is the main source of muamalah activity. The purpose of this the difference between the hisbah institution at the time of the Rasulullah SAW and modern times based on the Islamic Economic System. The method in this study uses a descriptive method whose purpose is to describe a phenomenon or object of a study. The purpose of Al-Hisbah is to dictate what is commonly called good and to prevent what is commonly called bad in areas under the control of the government, from ruling in other areas, especially in government areas. The market surveillance system operates under a two-tier system, namely: monitoring by market participants for themselves (internal) and supervision by other parties (external). The Hisbah Institute in Indonesia is not implemented as an institution, but there is a modern economic supervisory body that is responsible for overseeing economic activities such as OJK, DPS, BPOM, LPPOM, And others. These institutions have a responsibility in handling cases of violations that occur. Ekonomi Islam adalah sumber utama dari sebuah kegiatan bermuamalah. Tujuan penelitian ini yaitu untuk mengetahui perbedaan lembaga hisbah pada zaman Rasulullah dengan zaman modern yang berdasarkan Sistem Ekonomi Islam. Metode dalam penelitian ini menggunakan metode deskriptif yang tujuannya untuk menggambarkan suatu fenomena atau objek dari sebuah penelitian. Tujuan dari Al-hisbah adalah untuk mendikte apa yang biasa disebut baik untuk mencegah apa yang biasa disebut buruk di daerah-daerah di bawah kendali pemerintah, dari memerintah di daerah lain, terutama di wilayah pemerintahan. Sistem pengawasan pasar beroperasi di bawah sistem dua tingkat, yaitu: pemantauan oleh pelaku pasar untuk diri mereka sendiri (internal) dan pengawasan oleh pihak lain (eksternal). Lembaga Hisbah di Indonesia tidak diimplementasikan sebagai lembaga, tetapi ada badan pengawas ekonomi modern yang bertanggung jawab untuk mengawasi kegiatan ekonomi seperti OJK, DPS, BPOM LPPOM, dan lain-lain. Lembaga-lembaga tersebut mempunyai pertanggungjawaban dalam menangani kasus pelanggaran yang terjadi.
MENILIK KEBERMANFAATAN BADAN PENGELOLA KEUANGAN HAJI DI TENGAH-TENGAH MASYARAKAT: EXAMINING THE USEFULNESS OF THE HAJJ FINANCIAL MANAGEMENT AGENCY IN THE COMMUNITY yanti, Elni Puja
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 8 No. 1 (2021): January
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.v8i1.16392

Abstract

Indonesia sebagai salah satu negara dengan penduduk muslim terbesar di Dunia sudah semestinya menjadikan Ibdah haji sebagai salah satu prioritas, Kebijakan baru pemerintah Arab Saudi yang membagi kuota haji bagi setiap negara tiap tahunnya menjadikan Badan Pengelola Keuangan Haji berperan sangat penting dalam menjadi fasilitator untuk memudahkan masyarakat yang ingin melaksanakan Ibadah Haji dengan tugas dan wewenang yang dimilikinya dalam pengelolaan keuangan Haji. Kaitannya dengan itu, pemerintah juga berupaya memfasilitasi dengan membentuk Undang-Undang Republik Indonesia Nomor 34 Tahun 2014. Dapat dibayangkan apabila di tengah masyarakat muslim tidak ada Lembaga semacam Badan Pengelola Keuangan Haji, maka tidak ada penyalur masyarakat kepada pemerintah Arab Saudi, tidak ada kerja sama internasional dan tidak ada pelaksanaan ibadah Haji. Sehingga dapat disimpulkan bahwa keberadaan Badan Pengelola Keuangan Haji di tengah-tengah masyarakat sangatlah penting. Abstract Indonesia as one of the countries with the largest Muslim population in the world should make the Hajj as one of the priorities, the Saudi Arabian government's new policy which divides the hajj quota for each country each year makes the Hajj Financial Management Agency play a very important role in being a facilitator to facilitate the people who need it. want to carry out the Hajj with the duties and authorities it has in the management of Hajj finances. In relation to that, the government is also trying to facilitate it by establishing the Law of the Republic of Indonesia Number 34 of 2014. It is conceivable that if in the Muslim community there is no Institution such as the Hajj Financial Management Agency, then there is no public distributor to the government of Saudi Arabia, there is no cooperation. international and no Hajj pilgrimage. So it can be concluded that the existence of the Hajj Financial Management Agency in the midst of the community is very important.
TELAAH KRITIS PEMIKIRAN EKONOMI MUHAMMAD BAQIR AL-SHADR DAN TIMUR KURAN: A CRITICAL EXAMINATION OF THE ECONOMIC THOUGHT OF MUHAMMAD BAQIR AL-SHADR AND TIMUR KURAN Saepudin, Saep
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 8 No. 1 (2021): January
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.v8i1.16443

Abstract

Muhammad Baqir Al-Sadr mengatakan ekonomi islam merupakan cara yang dipilih ummat islam untuk dijalani dalam mencapai kehidupan ekonomi dan memecahkan masalah ekonomi praktik. Menurut Baqir Al-Sadr islam tidak mengurus hukum permintaan dan hukum penawaran. Beberapa pokok pemikiran ekonomi yang banyak tertuang dalam buku hampir sepertiga berkenaan terkait dengan teori produksi dan teori distribusi . Gagasan ekonomi islam tidak mungkin bisa dilaksanakan tanpa adanya campur tangan pemerintah dalam bidang ekonomi. Dalam konsepsi Baqir peranan pemerintah dalam upaya mewujudkan kesejahteraaan di tengah-tengah kehidupan manusia yaitu mewujudkan jaminan sosial dan dan keseimbangan sosial. Menurut pendapat Timur Kuran doktrin ekonomi islam sederhana yaitu bahwa Al-Qur'an melarang praktek riba yang melibatkan peracikan dari utang pinjaman yang tidak mampu untuk melakukan pembayaran sesuai jadwal yang telah ditentukan. Riba adalah sumber ketidakstabilan politik, atas dasar ini Kuran menyarankan pentingnya perbankan syariah terletak hampir seluruhnya dalam simbolisme dan dalam meningkatkan itu memberikan gerakan global Islamisme.
PENGARUH KEMUDAHAN PENGGUNAAN DAN RISIKO PADA APLIKASI INVESTREE TERHADAP KEPUTUSAN BERTRANSAKSI MENGGUNAKAN FINANCIAL TECHNOLOGY (FINTECH) PEER TO PEER LENDING SYARIAH: THE EFFECT OF EASE OF USE AND RISK IN THE INVESTREE APPLICATION ON TRANSACTION DECISIONS USING FINANCIAL TECHNOLOGY (FINTECH) PEER TO PEER LENDING SYARIAH. Nursyahida, Fadhila Ihsan
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 8 No. 1 (2021): January
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.v8i1.16662

Abstract

Digital technology is currently developing very rapidly, many new innovations have emerged in the field of technology ranging from hardware to software and even other supporting devices. Digital technology has also developed, supported by the increasing use of the internet and gadgets, from the financial service operating system, which has now undergone changes. Many financial service operating systems based on digital technology have emerged that can assist the activities and needs of the community. This study aims to determine how much influence the ease of use (Ease of Use), and risk on the Investree Application on the decisions of students who transact in using Financial Technology (Fintech) Peer to Peer Lending Syariah simultaneously. The research uses quantitative research methods, for the quantitative method is multiple test with a sample of 77 respondents. Questionnaire data collection was carried out as a data collection technique, for data processing assisted by using SPSS version 26 analysis tool. The results of the study based on the data obtained showed that the results of the Ease of Use variable had a significance value of tcount of 5.702 > ttable = 1.9917 or sig = 0.000 < = 0.05, meaning that Ha is accepted so that there is an influence of the ease of use of the Investree application on the decision to transact using Financial Technology (Fintech) Peer to Peer Lending Syariah, so it has a positive effect. The risk variable from the t test results with an alpha value of 0.05 then HO is accepted and Ha is rejected, because t = 1.696 < t-table = 1.9917 or sig = 0.094 > = 0.05 then there is no effect of risk on transaction decisions using Peer to Peer Lending Syariah, therefore it can ensure that the risky variable is negative and significant to the decision to transact using Financial Technology (Fintech) Peer to Peer Lending Syariah. The R² value has a value of 0.642, so it can be stated that the ease of use and risk in the Investree application affect the decision to transact using Sharia peer to peer lending financial technology (Fintech) together by 41.2%.
RELEVANSI TRANSAKSI E-PAYMENT DALAM APLIKASI OVO DENGAN FATWA NO. 116/DSN/MUI/IX/2017 TENTANG UANG ELEKTRONIK SYARIAH Mauli, Andini Rahmawati
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2020): 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.v7i2.16862

Abstract

Seiring dengan perkembangan teknologi yang sangat pesat, lahirnya uang elektronik menjadi salah satu solusi yang memberikan kemudahan dalam melakukan berbagai transaksi. OVO merupakan salah satu produk uang elektronik yang diterbitkan oleh perusahaan dibawah naungan Lippo group yakni PT. Visionet Internasional yang diluncurkan tepatnya pada bulan maret 2017.Tujuan penelitian ini untuk mengetahui mekanisme transaksi e-payment dalam aplikasi OVO, dan relevansi transaksi e-payment dalam aplikasi OVO dengan Fatwa No.116/DSN-MUI/IX/2027 tentang Uang Elektronik Syariah.Penelitian ini menggunakan metode deskriptif analisis yaitu penelitian yang didasarkan atas penalaran dan analisis terhadap permasalahan yang terjadi. Jenis data yang digunakan adalah data kualitatif.Hasil penelitian ini menunjukan bahwa Mekanisme yang digunakan dalam melakukan transaksi menggunakan produk uang elektronik OVO, para pengguna menyetorkan uang untuk disimpan di akun OVO pengguna yang kemudian akan digunakan sesuai dengan kebutuhan.  Kedudukan PT Visionet International OVO sebagai penerima titipan karena perusahaan tersebut menyediakan fasilitas penitipan uang yang dapat digunakan para pengguna OVO. Relevansi transaksi e-payment dalam aplikasi OVO dengan Fatwa No. 116/DSN/MUI/IX/2017 tentang Uang Elektronik Syariah dalam penggunaan akad wadiah pada klasifikasi pengguna OVO Club belum sempurna karena pengguna OVO Club tidak dapat menarik kembali saldo yang terdapat dalam akunnya.Kata Kunci:      E-payment, Uang Elektronik, OVO.
ANALISIS ASPEK KESESUAIAN SYARIAH PADA INVESTASI SAHAM BERBASIS SECURITIES CROWDFUNDING Utama, Sofyan Mei; Putra Ganda, Raka Angwas
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 9 No. 2 (2022): 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.v9i2.18857

Abstract

Securities crowdfunding is the activity of collecting funds from individuals or groups to fund an activity or business that uses information technology that will get reciprocity from the funds that have been given. One of the securities crowdfunding is that it can issue sharia securities and/or equity securities. This study aims to explain the mechanism and analysis of Islamic economic law regarding stock investment based on Securities Crowdfunding. The research method uses a normative juridical approach regarding norms or rules sourced from the DSN MUI Fatwa Number 140/DSN-MUI/VIII/2021 with the type of variant descriptive research method. The results of this study show that the stock investment mechanism brings organizers, issuers, and financiers in crowdfunding services to finance a project or an equity (share) business. In sharia economic law, stock investment based on securities crowdfunding is following all mechanisms, provisions, and implementation regarding stock investment in crowdfunding services or securities crowdfunding-based services in terms of the contracts used and prohibitions that should not be carried out in sharia principles and by the views of classical and contemporary jurisprudence scholars
Fiqh Al-Bai's Review of Online Buying and Selling in Special Groups on Facebook Platform Meirani, Nadia; Komalasari, Retno
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 9 No. 2 (2022): 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.v9i2.19237

Abstract

Online buying and selling activities on the Facebook platform specifically for residents of Grand Cikarang City housing under the name of the Online Market group "Pasar Khusus COD Grand Cikarang City". With the development of online buying and selling, various kinds of risks arise that will haunt users, especially buyers, such as fraud, the obscurity of goods (gharar), incompatibility of goods and prices that reach the hands of the consumers, and so on. The purpose of this study is to find out the mechanism of buying and selling online in special groups on the Facebook platform and to find out the harmonization of Sharia Economic Law with buying and selling online in special market groups on the Facebook platform. The research method used in this research is a descriptive research method with qualitative data types. The results obtained in this study can be concluded that the implementation of online buying and selling in special groups on the Facebook platform uses a salam contract. There are cases where there is often uncertainty in terms of goods, prices, and the lack of certainty for the buyer to return the goods.

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