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Maliyah : Jurnal Hukum Bisnis Islam

maliyah
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Published by Universitas Islam Negeri Sunan Ampel

ISSN : 20884869 EISSN : 25974351 DOI : https://doi.org/10.15642/maliyah.2021.11.2

Core Subject : Religion, Economy, Social,

Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

Kajian-kajian Hukum Ekonomi dan Bisnis Islam, baik berupa artikel konsepsional ataupun hasil penelitian.

Arjuna Subject : Ilmu Sosial - Hukum

Articles 6 Documents

Search results for , issue "Vol. 9 No. 1 (2019): Juni 2019" : 6 Documents clear

Analisis Hukum Islam terhadap Pandangan Masyarakat Desa Sidomojo Krian Sidoarjo tentang Pinjaman pada Bank Titil dan Rentenir Rizki Khoirunnisa
Maliyah : Jurnal Hukum Bisnis Islam Vol. 9 No. 1 (2019): Juni 2019
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

This article discusses the analysis of Islamic law on the views of the Muslim community in the village of Sidomojo Krian Sidoarjo regarding loans through moneylenders and credit banks. This research is field research in the town of Sidomojo Krian Sidoarjo and is qualitative. The data collection techniques used were interviews and observations, then analyzed using descriptive analysis methods. From the results of the study, it is known that three loan shark customers and three titil bank customers agree that the law of bank interest is haram because it is the same as usury. However, they still borrow from these two places because of economic needs, and the process of borrowing from these places is more straightforward. The opinion of those who forbid bank interest is following Islamic law. In contrast, their actions of borrowing through moneylenders and bank credit are allowed as long as they are forced to do so as a rule "The condition of dharurah will allow something that was originally prohibited." If the compulsion is lost, then the law returns to its origin, which is haram. Seeing that their economy is not improving after making loans through moneylenders and bank-titil, then they should no longer make loans in these two places or in other areas that apply interest.

Praktik Akad Wakalah pada BMT Amanah Bersama Bojonegoro Perspektf Hukum Islam Nabillah Febri Annisa; Nabrina Nur Zeninda; Nadya Fatma Kholili; Rosa Novitasari Aisyah; Ulil Alai
Maliyah : Jurnal Hukum Bisnis Islam Vol. 9 No. 1 (2019): Juni 2019
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

This article discusses the practice of wakalah contracts at BMT Amanah with Bojonegoro. This research is field research. Data collection was carried out through interviews, observation, and documentation. The collected data were analyzed deductively. Baitul Mal wat Tamwil (BMT) is a micro institution that is operated on the principle of profit-sharing, growing, and developing micro-business to elevate the degree and dignity and defend the interests of the poor. In the BMT Amanah Bersama, the most frequently used financing is the murabahah contract but still does not rule out other contracts such as the wakalah contract. The wakalah contract at BMT Amanah Bersama does not stand alone, but from the wakalah contract, the BMT can receive income earned through ujrah (fees) which is used as a reciprocal between the BMT institution and the customer so that both are mutually beneficial. Based on this practice, the wakalah contract carried out at BMT Amanah Bersama is by the principles of Islamic law.

Pembiayaan Murabahah Bi al-Wakalah pada Koperasi Jasa Keuangan Syari’ah Muamalah Berkah Sejahtera Surabaya Mujibur Rido
Maliyah : Jurnal Hukum Bisnis Islam Vol. 9 No. 1 (2019): Juni 2019
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

This article discusses Murabahah bil Wakalah Risk Management at KJKS Muamalah Berkah Surabaya. This study uses a qualitative descriptive design by describing the operational and risk management of murabahah bil wakalah financing at KJKS MBS through observation and interviews. The results of this study are 1. Active murabahah bil wakalah financing in the Syari'ah Muamalah Berkah Sejahtera Financial Services Cooperative is that the customer is interviewed first to determine the purpose of the loan. The customer must meet the requirements that the MBS KJKS has selected; after that, the MBS KJKS explained the procedure for applying for financing. The MBS KJKS gave the right to purchase goods to the customer accompanied by a murabahah contract and provided an installment savings book. 2. In the risk management of murabahah bil wakalah, there are three: First, for liquidity risk management, KJKS MBS invests funds in Islamic banks in the event of excess liquidity and borrows funds from Islamic banks when there is an excess of liquidity. Lack of liquid. Second, for risk management of credit congestion, KJKS MBS uses monthly billing to customers' homes and discounts customers who pay off their outstanding debts. Third, for capital risk management KJKS MBS uses reserve funds to cover losses.

Analisis Hukum Islam terhadap Jual Beli Online Nurul Afifah; Nur Lailatul Musyafa’ah
Maliyah : Jurnal Hukum Bisnis Islam Vol. 9 No. 1 (2019): Juni 2019
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

This article discusses the analysis of Islamic law on buying and selling online. This research is literature and qualitative research. Data were collected through books, journals, and documents and analyzed descriptively. The study results conclude that buying and selling online is a sale and purchase transaction of goods carried out by two parties, namely the seller and the buyer, through the internet. In Islamic law, buying and selling online is legal, and the contract is valid on the condition that the goods purchased are halal and have precise specifications, the goods to be bought are following their needs. The buyer has the right to cancel or accept if the goods are not following the order. The sale and purchase are considered fi hukm ittihad al-majlis (in the position of one assembly). Ittihad al-majlis can be interpreted in three ways, namely ittihad al-makan (one place) and ittihad al-zaman (time of time), and ittihad al-haiah (one position). With modern communication media, it is possible to unite two places that are far apart, so that the two places are considered to be one (taaddud al-makan fi manzilah ittihad al-makan). Online buying and selling transactions carried out in two far apart areas are included in ittihad al-majlis in the ittihad al-zaman category (one time).Islam allows buying and selling online as long as there is no element of fraud between the two parties in the contract. It has fulfilled the conditions and pillars following the provisions of Islamic law.

Mudharabah Pada Baitul Mal Wat Tamwil Sidogiri Cabang Pembantu Waru Sidoarjo Shania Putri Ayu; Via Ratnasari; Dewi Audrynita; Affrido Galuh Mulyono
Maliyah : Jurnal Hukum Bisnis Islam Vol. 9 No. 1 (2019): Juni 2019
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Abstract: The Sidogiri Integrated Joint Business BMT Cooperative, abbreviated as "Koperasi BMT UGT Sidogiri" began operating on 5 Rabiul Awal 1421 H or 6 June 2000 AD in Surabaya and then obtained a Cooperative Legal entity from the Regional Office of the PK and M Cooperative Office of East Java Province with a decree Number: 09 / BH / KWK.13 / VII / 2000 dated 22 July 2000. There are two products at BMT UGT Sidogiri Waru, namely: financing products and savings products. The mudharabah agreement at BMT Sidogiri is used for savings products consisting of general sharia savings, al-haromain savings, umrah al-hasanah savings, Eid al-Fitr savings, qurban savings, savings from student care institutions, term mudharabah savings, and term mudharabah savings. Based on the analysis of Islamic law, the practice of mudharabah at BMT Sidogiri has fulfilled the pillars and requirements of mudharabah. Customers as shahibul mal and BMT as mudharib, capital, and ratio are also explained in detail in each product, the consent of the qabul is contained in the contract and BMT Sidogiri has the authority to manage customer funds. Keywords: Mudharabah, BMT Sidogiri, Islamic Law Abstrak: Koperasi BMT Usaha Gabungan Terpadu Sidogiri disingkat “Koperasi BMT UGT Sidogiri” mulai beroperasi pada tanggal 5 Rabiul Awal 1421 H atau 6 Juni 2000 M. di Surabaya dan kemudian mendapatkan badan Hukum Koperasi dari Kanwil Dinas Koperasi PK dan M Propinsi Jawa Timur dengan SK Nomor: 09/BH/KWK.13/VII/2000 tertanggal 22 Juli 2000. Produk di BMT UGT Sidogiri Waru ada dua yaitu: produk pembiayaan dan produk simpanan. Akad mudharabah di BMT Sidogiri digunakan pada produk simpanan yang terdiri dari tabungan umum syariah, tabungan haji al-haromain, tabungan umrah al-hasanah, tabungan idul fitri, tabungan qurban, tabungan lembaga peduli siswa, tabungan mudharabah berjangka, dan tabungan mudharabah berjangka plus. Berdasarkan analisis hukum Islam praktik mudharabah di BMT Sidogiri telah memenuhi rukun dan syarat mudharabah. Nasabah sebagai shahibul mal dan BMT sebagai mudharib, modal dan nisbah juga dijelaskan secara rinci di setiap produk, ijab qabul tertuang dalam akad dan BMT Sidogiri memiliki kewenangan mengelola dana nasabah. Kata Kunci: Mudharabah, BMT Sidogiri, Hukum Islam.

Pemikiran Ekonomi Syariah Menurut Muhammad Abdul Mannan dan Muhammad Baqir Al-Sadr Dewi Nur Ainiyah; A. Zaim Fachri; M. Zainal Abidin
Maliyah : Jurnal Hukum Bisnis Islam Vol. 9 No. 1 (2019): Juni 2019
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

This article discusses Islamic economic thinking according to Muhammad Abdul Mannan and Muhammad Baqir as-Sadr. The purpose of writing this article is to find out the similarities and differences in the economic thought of Muhammad Abdul Mannan and Muhammad Baqir as-Sadr. This research is library research and is qualitative. The data were obtained through books, journal articles, and the internet, especially those discussing Islamic economics and the works of Muhammad Abdul Mannan and Muhammad Baqir as-Sadr. The data collected were analyzed comparatively. The study results conclude that Mannan and as-Sadr have the same thoughts in terms of income distribution to ensure the welfare of all elements of society in a country. The economic problem does not lie in production or the scarcity of resources, but rather due to unequal and unfair distribution due to the financial system that allows the exploitation of the strong against the weak. According to Abdul Mannan, the difference between Baqir and Mannan's thoughts is that production can combine the traditional economy and the market. At the same time, Baqir As Sadr only supports government planning and does not consider market forces. M. A. Mannan allowed private ownership, while Baqir Ash-Sadr limited private ownership to use rights only.

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Contact Name
Moh. Faizur Rohman

Contact Email
faza_veiro@uinsa.ac.id

Phone
+6285749376509

Journal Mail Official
faza_veiro@uinsa.ac.id

Editorial Address
Prodi Hukum Ekonomi Syariah (Muamalah) Fakultas Syari'ah dan Hukum UIN Sunan Ampel Surabaya, Jl. Ahmad Yani 117 Surabaya, Jawa Timur 60237

Location
Kota surabaya,

Jawa timur

INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Moh. Faizur Rohman

Contact Email faza_veiro@uinsa.ac.id

Phone +6285749376509

Journal Mail Official faza_veiro@uinsa.ac.id

Editorial Address Prodi Hukum Ekonomi Syariah (Muamalah) Fakultas Syari'ah dan Hukum UIN Sunan Ampel Surabaya, Jl. Ahmad Yani 117 Surabaya, Jawa Timur 60237

Location Kota surabaya, Jawa timur INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
Moh. Faizur Rohman

Contact Email
faza_veiro@uinsa.ac.id

Phone
+6285749376509

Journal Mail Official
faza_veiro@uinsa.ac.id

Editorial Address
Prodi Hukum Ekonomi Syariah (Muamalah) Fakultas Syari'ah dan Hukum UIN Sunan Ampel Surabaya, Jl. Ahmad Yani 117 Surabaya, Jawa Timur 60237

Location
Kota surabaya,

Jawa timur

INDONESIA