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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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Pelaksanaan Jual Beli Makanan menggunakan Fitur OVO pada Aplikasi GrabFood pada Masa Pandemi Covid-19 dalam Perspektif Fiqh Al-Bai’ Neng Murtapi'ah Safitri
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.v9i2.12970

Abstract

The purpose of this study is to determine: 1) the mechanism of buying and selling food with payment using the OVO feature on the GrabFood application during the Covid-19 pandemic at the Al-Ihsan Cibiru Hilir Islamic Boarding School, Bandung Regency. 2). Review of sharia economic law on the application of multi-contract food purchases with payment using the OVO feature in the GrabFood application during the Covid-19 pandemic at the al-ihsan boarding school cibiru hilir bandung district. This study uses a descriptive method by using the results of previous research as a data source which is described using literature study techniques and analyzed using a qualitative analysis approach, namely research used to examine the condition of objects in the field scientifically. The results of the analysis show that the implementation of buying and selling food using the OVO feature on the GrabFood application during the Covid-19 pandemic is in accordance with the procedures determined by the government and may be carried out according to sharia economic law. Tujuan penelitian ini adalah untuk mengetahui: 1) mekanisme jual beli makanan dengan pembayaran menggunakan fitur OVO pada aplikasi GrabFood masa pandemi Covid-19 di Pondok Pesantren Al-Ihsan Cibiru Hilir Kabupaten Bandung. 2). Tinjauan hukum ekonomi syariah terhadap penerapan multi akad pembelian makanan dengan pembayaran menggunakan fitur OVO pada aplikasi GrabFood masa pandemi Covid-19 di pondok pesantren al-ihsan cibiru hilir kabupaten bandung. Penelitian ini menggunakan metode deskriptif dengan menggunakan hasil penelitian terdahulu sebagai sumber data yang di deskripsikan menggunakan terknik studi pustaka dan di analisis dengan menggunakan pendekatan analisis kualitatif yaitu penelitian yang digunakan untuk meneliti kondisi objek di lapangan secara ilmiah. Hasil analisis menunjukan bahwa pelaksanaan jual beli makanan dengan menggunakan fitur OVO pada aplikasi GrabFood masa pandemi Covid-19 ini telah sesuai dengan prosedur yang telah ditentukan oleh pemerintah dan boleh dilakukan menurut hukum ekonomi syariah.
Praktik Jual Beli Pre Order dengan Sistem Online Indrianti Putri Utami
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.v9i1.14045

Abstract

The practice of buying and selling online is a buying and selling transaction carried out through modern technology whose validity depends on whether or not the pillars and conditions that apply in buying and selling are fulfilled. Pre-order buying and selling transactions only have online catalogs of goods found on websites or social media. This study aims to determine the practice and implementation of buying and selling pre-orders with an online system at the Bylo.id and Gerai.aliyah online stores. And knowing the perspective of Sharia Economic Law on buying and selling pre-orders with the online system at the Bylo.id and Gerai.aliyah online stores. The method used in this research is the descriptive research method, a method that is intended to collect information about the object of research. The results of the study conclude that the practice and implementation of buying and selling pre-orders with the online system at the Bylo.id and Gerai.aliyah online stores is carried out by pre-orders or orders made through the website or chat, then both parties agree on the price, payment system, and delivery. and buying and selling preorders with the online system at the Bylo.id and Gerai.aliyah online stores have fulfilled the pillars and conditions for buying and selling istishna'. Praktik jual beli online merupakan transaksi jual beli yang dilakukan melalui teknologi modern yang keabsahannya tergantung pada terpenuhi atau tidaknya rukun dan syarat yang berlaku dalam jual beli. Transaksi jual beli pre order hanya memiliki katalog barang online yang terdapat di website atau media sosial. Penelitian ini bertujuan untuk mengetahui praktik dan implementasi jual beli pre order dengan system online di toko online Bylo.id dan Gerai.aliyah. Dan mengetahui perspektif Hukum Ekonomi Syariah terhadap jual beli pre order dengan sistem online di toko online Bylo.id dan Gerai.aliyah. Metode yang digunakan dalam penelitian ini adalah metode penelitian deskriptif, metode yang dimaksudkan untuk mengumpulkan informasi mengenai objek penelitian. Hasil penelitian menyimpulkan bahwa praktik dan implementasi jual beli pre order dengan sistem online di toko online Bylo.id dan Gerai.aliyah dilaksanakan dengan pre order atau pesanan yang dilakukan melalui website atau chatting, lalu kedua belah pihak bersepakat atas harga, sistem pembayaran, dan pengirimannya dan jual beli pre order dengan sistem online di toko online Bylo.id dan Gerai.aliyah telah memenuhi rukun dan syarat jual beli istishna’.
ANALISIS ASPEK KESESUAIAN SYARIAH PADA INVESTASI SAHAM BERBASIS SECURITIES CROWDFUNDING Sofyan Mei Utama; Raka Angwas Putra Ganda
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
Praktik Serba 10.000 di Aplikasi Shopee menurut Hukum Ekonomi Syariah dan Peraturan Menteri Sosial Nomor 12 Tahun 2019 tentang Penyelenggaraan Undian Gratis Berhadiah Ramdani Mugni Sya'bana
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.v9i1.13187

Abstract

This study aims to determine the mechanism of the program which is then linked to the Regulation of the Minister of Social Affairs Number 12 of 2019 concerning the Implementation of Free Lottery with Prizes. Based on the results of the study, it can be concluded that the program can be followed by Shopee users and follows the applicable terms and conditions, when viewed from the process there are several elements of interrelated contracts, such as buying and selling, gharar, gambling, sweepstakes, and prizes. Shopee all 10,000 contains elements of gharar but gharar yasir, or a little gharar. After further analysis, this is included in the practice of lottery prizes. The prize itself is included in the tabarru contract, which if there is gharar yasir in the tabarru contract, it is allowed. The practice of all 10,000 in the Shopee application which is linked to the Minister of Social Affairs Regulation Number 12 of 2019 concerning the Organizing of Free Sweepstakes with Prizes, the researcher sees the suitability between Shopee of 10,000 and the regulation, because the important things that have been regulated by the regulation have been carried out by Shopee. Penelitian ini bertujuan untuk mengetahui mekanisme program tersebut kemudian dihubungkan dengan Peraturan Menteri Sosial Nomor 12 tahun 2019 Tentang Penyelenggaraan Undian Gratis Berhadiah. Berdasarkan hasil penelitian, dapat disimpulkan bahwa program tersebut dapat diikuti oleh pengguna Shopee serta mengikuti syarat dan ketentuan yang berlaku, jika dilihat dari prosesnya terdapat beberapa unsur akad yang saling berkaitan, seperti jual beli, gharar, judi, undian, serta hadiah. Shopee serba 10.000 mengandung unsur gharar akan tetapi gharar yasir, atau gharar yang sedikit. Setelah dianalisa lebih jauh ini termasuk ke dalam praktik undian berhadiah. Hadiah sendiri termasuk akad tabarru’ yang mana jika terdapat gharar yasir dalam akad tabarru’ maka diperbolehkan. Praktik serba 10.000 di aplikasi Shopee yang dihubungkan dengan Peraturan Menteri Sosial Nomor 12 Tahun 2019, ada kesesuaian antara Shopee serba 10.000 dengan Peraturan tersebut, karena hal-hal penting yang sudah diatur oleh peraturan tersebut sudah dijalankan oleh pihak Shopee.
Penerapan Prinsip Syariah di Bank Wakaf Mikro Barokah Al-Masthuriyah dalam Pemberdayaan Masyarakat Fithri Dzikrayah; Fahmi Hasan Nugroho
Al-Muamalat: Jurnal Ekonomi Syariah Vol 10, No 1 (2023): 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.v10i1.23653

Abstract

Micro Waqf Bank (BWM) is a Sharia Microfinance Institution (LKMS) that exists to overcome community groups that face difficulties in accessing financial institutions. However, the SOP makes BWM different from microfinance institutions. BWM's financing products are still limited as BWM Barokah's business focus is financing with qardh contracts with low margins. The purpose of this study is to see the application and supervision of sharia principles at the Barokah al-Masthuriyah Micro Waqf Bank in empowering the community and the contracts used in it. This research uses an empirical juridical approach with a qualitative approach. Data was obtained through interviews, observations, and literature studies. The result of this research is that Barokah al-Masturiyah Waqf Bank has a financing product that uses a qardh contract.  BWM al-Masturiyah in carrying out the mandate of Law Number 21 of 2008 where every business activity based on sharia principles, must be carried out in accordance with sharia principles that have been determined by the DSN-MUI. Therefore, in carrying out supervision of BWM management in accordance with sharia principles, BWM Barokah al-Masthuriyah has carried out various supervisions. In conclusion, BWM al-Masturiyah has implemented sharia principles supervised by DPS, the Cooperative Office, OJK, and LAZNAS BSM Umat. Bank Wakaf Mikro (BWM) merupakan Lembaga Keuangan Mikro Syariah (LKMS) yang hadir untuk mengatasi kelompok masyarakat yang menghadapi kesulitan dalam akses terhadap lembaga keuangan. Akan tetapi SOP yang menjadikan BWM berbeda dengan lembaga keuangan mikro. Produk pembiayaan BWM masih terbatas sebagaimana fokus usaha BWM Barokah adalah pembiayaan dengan akad qardh dengan margin yang rendah. Tujuan dari penelitian ini adalah untuk melihat penerapan dan pengawasan prinsip syariah di Bank Wakaf Mikro Barokah al-Masthuriyah dalam memberdayakan masyarakat serta akad yang digunakan di dalamnya. Penelitian ini menggunakan pendekatan yuridis empiris dengan pendekatan kualitatif. Data yang diperoleh melalui wawancara, observasi, serta studi pustaka. Hasil dari penelitian ini ialah Bank Wakaf Barokah al-Masturiyah memiliki produk pembiayaan yang menggunakan akad qardh. BWM al-Masturiyah dalam melaksanakan amanat Undang–Undang Nomor 21 Tahun 2008 di mana setiap kegiatan usaha yang berdasarkan prinsip syariah, maka harus dilaksanakan sesuai dengan prinsip-prinsip syariah yang telah ditentukan oleh DSN-MUI. Oleh karena itu, dalam melaksanakan pengawasan terhadap pengelolaan BWM yang sesuai dengan prinsip syariah, BWM Barokah al-Masthuriyah telah melakukan berbagai pengawasan. Kesimpulannya, BWM al-Masturiyah telah menerapkan prinsip–prinsip syariah dengan diawasi oleh DPS, Dinas Koperasi, OJK, dan LAZNAS BSM Umat.
Sharia Fintech Dispute Resolution Formulation in the Religious Courts Tayep Suparli
Al-Muamalat: Jurnal Ekonomi Syariah Vol 10, No 1 (2023): 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.v10i1.21216

Abstract

Cases in the financial industry began to be found, including cases related to Islamic economics. The settlement of conventional economic cases and sharia economics has a different place, according to the authority of each court. Therefore, this study aims to find a formulation of sharia fintech dispute resolution through litigation in the Religious Courts. The problem is whether the Religious Courts resolve Islamic fintech, and if so, how is the settlement process? This type of research is qualitative with the library research method and analyzed using a normative juridical approach. The study results found that fintech disputes can be resolved in Religious Courts. Settlement of disputes in religious courts can be submitted through simple or ordinary lawsuits, and trials can be carried out electronically (e-litigation) or in ordinary procedures. In conclusion, the resolution of sharia fintech disputes is the authority of the Religious Courts.
The Rise and Fall of Leasing Syariah During The Pandemic Covid-19 Misi Anggraini; Rozalinda Rozalinda; Ahmad Wira
Al-Muamalat: Jurnal Ekonomi Syariah Vol 10, No 1 (2023): 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.v10i1.23737

Abstract

The purpose of this study is to analyze the rise and fall of sharia leasing during the Covid-19 Pandemic. This research uses the literature study method with a descriptive approach, a qualitative part. The data comes from magazines, books, websites, and other official documents. The results of the study show that economic development during the Covid-19 Pandemic still had an impact on sharia financing and leasing. This impact is felt from reducing assets to increasing gross premiums. However, not all obstacles to the ups and downs of sharia leasing are caused by the Covid-19 Pandemic. The existence of conventional leasing for a long time, satisfaction with services, management processes and procedures, and governance structures cause other factors. The conclusion is that the rise and fall of sharia leasing are not only caused by the Covid-19 Pandemic but also by several other factors.
Islamic Philanthropy Fiqh in Modern Context Nanang Naisabur; Haris Maiza Putra; Chikal Anugrah Putra Naisabur; Diana Farid; Hisam Ahyani
Al-Muamalat: Jurnal Ekonomi Syariah Vol 10, No 1 (2023): 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.v10i1.21068

Abstract

This study aims to determine Islamic philanthropy in a modern context. Islamic philanthropy is taken from the religious doctrine of the Qur'an and hadith as a human and religious commitment so that Islamic charity appears as zakat, infaq, alms, and endowments. This type of research is qualitative with a literature study method. Data collection techniques in literature study are through books, articles, journals, and research reports related to the problem being researched. The results of the study found that in Indonesia, practices in zakat, waqf, infaq, and sadaqah (Ziswaf) are seen as economic symbols of justice and democracy, being able to place economic resources in their proper place. In conclusion, Islamic philanthropy in the modern context is a stylish way of managing one's social generosity in the context of carrying out muamalah activities among fellow human beings.
Implementation of Fiqh Muamalah Contracts in Electronic Money (E-Money) Transactions Muhammad Irkham Firdaus; Aliyya Lathifa Daniswara; Novan Fatchu Alafianta; Aang Asari
Al-Muamalat: Jurnal Ekonomi Syariah Vol 10, No 1 (2023): 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.v10i1.21087

Abstract

Money is a medium of exchange in economic activities that always changes from time to time, both in form, intrinsic value, and extrinsic value. Electronic money (e-money) is currently emerging, which is used as a means of micro-payments that can process payments more quickly, easily, efficiently, and safely. The research objective is to discuss the implementation of muamalah fiqh contracts in electronic money transactions. This type of research is qualitative research with library methods. The results of this study show that electronic money transactions in fiqh muamalah are legally permissible or permissible as long as they do not conflict with the principles of Islamic law. Muamalah fiqh contracts implemented in electronic money transactions are divided into two. The first is between the issuer and the holder of electronic money using a wadiah contract and a qard contract. Second, the publisher and organizer use ijarah, sell, and wakalah bil ujrah contracts. In conclusion, electronic money transactions (e-money) can use fiqh muamalah contracts.
Analisis Program Monetisasi Youtube Menurut Hukum Ekonomi Syariah Muhamad Fasya Nur Arbaien; Elis Nurhasanah
Al-Muamalat: Jurnal Ekonomi Syariah Vol 10, No 1 (2023): 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.v10i1.21242

Abstract

YouTube is an application that has many benefits so it can be used as a medium to find various available information. Many people are looking for money or income through YouTube by registering their YouTube account with monetization from Google AdSense. This research is motivated because the author sees many people who do not know the laws of YouTube monetization according to Islamic law. The method used is a descriptive method with a qualitative approach. The source of data in this study is secondary data. The data collection technique used is library research. The data analysis technique is carried out with a content analysis model by conducting research that is an in-depth discussion of the contents of written information. After that, the researcher interprets the existing data to draw conclusions after conducting research on all the data that will answer the problems in the study. From the results of this study, it can be concluded that the YouTube monetization program is not in accordance with Islamic law. This is due to the Revenue per Mille Impression policy when the distribution of ratios does not have clear proportions that regulate profit sharing for both parties. Therefore, it is necessary to realize the syirkah contract in the monetization program. With the implementation of the syirkah contract, the two parties will know things that are forbidden by IslamYoutube merupakan aplikasi yang memiliki banyak manfaat dan dapat digunakan untuk mencari berbagai informasi yang tersedia. Banyak orang yang mencari penghasilan melalui Youtube dengan cara melakukan kerja sama dengan program monetisasi. Tujuan penelitian ini adalah untuk mengetahui hukum monetisasi youtube dalam perspektif hukum ekonomi syariah. Metode yang digunakan adalah metode deskriptif dengan pendekatan kualitatif. Berdasarkan penelitian penulis, , program monetisasi youtube tidak sesuai dengan syariat Islam. Hal ini disebabkan oleh kebijakan Revenue per-Mille Impression, pada saat pembagian nisbah tidak adanya persentase secara jelas yang mengatur pembagian keuntungan kedua belah pihak. Dengan demikian dalam monetisasi Youtube ini perlu mengimplementasikan akad syirkah, agar kedua belah pihak dapat mengetahui hal-hal yang dilarang menurut hukum ekonomi syariah. Kesimpulannya, program monetisasi Youtube tidak sesuai dengan prinsip -prinsip syariah.

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