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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 168 Documents

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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.

Gaji Guru Taman Pendidikan Al-Qur’an dalam Perspektif Ekonomi Syari’ah Tsaniyatul Karimah; Malichatul Istifadah
Maliyah : Jurnal Hukum Bisnis Islam Vol. 8 No. 1 (2018): Juni 2018
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Al-Qur'an Education Park (TPQ) is an educational institution that supports formal education in schools. The teacher as a component in teaching and learning activities has a very important role in determining the success of learning. The role of the TPQ teacher is not only to educate students so that they can read and write the Qur'an properly and correctly, but also so that students can live an Islamic life. The purpose of this journal is to find out more about the meaning of teachers and their role in education, and how Islamic economics views their welfare. This research was conducted through observation and interviews. The data obtained were analyzed using the Islamic economic approach. The results obtained from this study were that TPQ teachers received a monthly salary, the amount of which was adjusted to their respective TPQ. The salary received is still below the UMR standard. However, TPQ teachers are still enthusiastic about teaching because they teach TPQ because of their heart's calling and they simply want to practice their knowledge by ignoring the value of the material they will get. Based on Islamic economics, the TPQ salary is related to the concept of ujrah and ijarah. They are entitled to a salary, and it is better if the salary can be increased again so that it is equal to their profession and so that TPQ education will be of higher quality.

Peranan Koperasi Syariah dalam Mengatasi Kemiskinan di Kota Surabaya Nur Aini Yandana Anggi Merisa Putri
Maliyah : Jurnal Hukum Bisnis Islam Vol. 8 No. 1 (2018): Juni 2018
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

This article discusses sharia cooperatives and their role in overcoming poverty in the city of Surabaya. The city of Surabaya is the capital of the province of East Java, the largest and most populous city in East Java. Poverty is a problem that the city government of Surabaya always looks for a solution to. Various programs have been made, including through training, improvement of cooperatives, including Sharia cooperatives. This article is the result of a literature review and is qualitative in nature. The data collected through the literature were analyzed descriptively. The results of the study concluded that the Surabaya government made programs to alleviate poverty, including developing sharia cooperatives. With the existence of Islamic cooperatives, people can manage their funds and develop their businesses through Islamic cooperatives. Even though poverty cannot be eradicated, this effort is one way that can help prosper the community and help overcome existing poverty.

Perilaku Konsumsi Santri Al-Jihad Surabaya ditinjau dari Perspektif Ekonomi Islam Khoirul Mutholibin; Bagus Yuli Handoyo; Atti’udin Robbi
Maliyah : Jurnal Hukum Bisnis Islam Vol. 8 No. 1 (2018): Juni 2018
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

This article discusses the consumption behavior of students at Pondok al-Jihad Surabaya. Consumption is a human need that is vital for survival, without eating humans cannot move properly and socialize with others. The main purpose of consumption is to worship Allah SWT. Consumption must be based on the principles of the Qur'an and Hadith. This paper describes how many consumption characteristics the students have, who are also students of UIN Sunan Ampel. The data was conducted by interviewing 10 male and 10 female students. The data obtained were analyzed with the theory of consumer behavior in Islamic economics. The results of the study concluded that there were differences in consumption behavior between male and female students of Pondok al-Jihad Surabaya. The allowance for male students ranges from 500,000-1,000,000 rupiah, while the allowance for female students ranges from 900,000-1,700,000 rupiah. The money is used to meet basic needs, while the rest of the male students use it for coffee and cigarettes, while the female students use it for shopping, and if there is any leftover the money will be saved. Based on the Islamic economics, the consumption value of Pondok al-Jihad students is still reasonable, but for non-essential needs, the consumption should be reduced, such as the need for cigarettes, snacks, and shopping, so that they are not excessive because Islam prohibits excessive consumption.

Analisis Komparatif Bank Syariah dan Bank Konvensional di Indonesia Rudi Purnomo; Masning Syarifah; Ali Makki Hodri
Maliyah : Jurnal Hukum Bisnis Islam Vol. 8 No. 1 (2018): Juni 2018
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

This article discusses a comparative analysis of Islamic banks and conventional banks. This article is the result of a literature review and is qualitative. The collected data is analyzed in a comparative manner between Islamic banks and conventional banks which include: sources of funds, Distribution and Use of Bank Funds, Bank Services, advantages and disadvantages of Islamic banks and conventional banks. About sources of funds, conventional banking sources of funds are: Funds originating from within the bank (internal) and funds originating from outside the bank (external). The source of funds for a Sharia Bank is in its capacity as a mudharib by using funds obtained from customers as Shahib al-Mal, who deposit and invest their funds in the bank through the following accounts: Current Account (pure al-Wadiah savings principle), Savings Account, Account general investment, special investment account. About the Distribution and Use of Funds, in conventional banks the funds that have been collected by banks must then be allocated through the Use of Funds for Assets, Use of Funds for Reserves, Use of Funds for Credit, Use of Funds for Securities, Use of Funds for Participation. Distribution and Use of Funds in Sharia Banks are through financing products with profit sharing principles, sale and purchase principles and leasing and qard hasan. Conventional bank services are Letter of Credit (L / C), Clearing, Bank Guarantee, Collection, Travel Check (travelers check), Remittance, Credit Card (credit card), Safe Deposit Box, Phone Banking, Cash Management , and Money Transfer (Transfer). The services offered at Islamic banks are Rahn, Wakalah, Kafalah Hawalah, Ji'alah, Sharf. Regarding the advantages and disadvantages of conventional banks and Islamic banks, both have their respective advantages and disadvantages.

Pemasaran dalam Perspektif Ekonomi Islam Hajar Swara Prihatta
Maliyah : Jurnal Hukum Bisnis Islam Vol. 8 No. 1 (2018): Juni 2018
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

This article discusses marketing from an Islamic perspective. This article is the result of a literature review with data collection through books, journals, and articles. The collected data were analyzed qualitatively. In an economic system, marketing or marketing is an important thing to do to achieve product sales targets so that the business can be successful. To achieve business targets, several market players do not pay attention to marketing ethics. In Islam the Prophet has taught business ethics, including marketing through the nature of the Prophet which is abbreviated as SAFT (shiddiq, amanah, fathanah, and tabligh). Also, marketers must pay attention to theistic (rabbaniyyah), ethical (akhlaqiyyah), realistic (al-waqi’iyyah), and humanistic (insaniyyah) ethics. By paying attention to the marketing concept in Islam, it is hoped that there will be no marketing that can harm various parties, especially consumers and business partners.

Kewirausahaan dalam Perspektif Syari’ah Miftachul Jannah; Nur Lailatul Musyafaah; Nur Ismi Febrianti
Maliyah : Jurnal Hukum Bisnis Islam Vol. 8 No. 1 (2018): Juni 2018
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

This article discusses entrepreneurship from the perspective of sharia. This research is the result of a literature review, by collecting data through literature books, journals, and the internet. The collected data were analyzed descriptively. The results of the study concluded that Islam advocates entrepreneurship as a person's endeavor to meet their needs independently. In entrepreneurship, a person is required to pay attention to business ethics in Islam, namely being honest, trustworthy, tabligh and fathanah. By doing entrepreneurship according to the rules and principles of Islamic economics, it is hoped that someone will get blessings in the world and the hereafter. Because of that, several taboos should be avoided by a Muslim entrepreneur, namely maysir, immorality, gharar, haram, ihtikar, and danger. In entrepreneurship, a Muslim must be based on a moral foundation, Islamic management, a high work ethic and have an attitude of leadership, responsibility, and have a strong entrepreneurial spirit.

Optimalisasi Akad Muzara’ah pada Bank Syariah Irwan Rahmatullah Putra; M. Syahrul Hajj; Ikayanti Ikayanti
Maliyah : Jurnal Hukum Bisnis Islam Vol. 8 No. 2 (2018): Desember 2018
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

This article discusses the optimization of muzara’ah contracts in Islamic banks. This article is the result of a literature review and qualitative research. Data comes from literature in the form of books, journal articles, and the internet, which after being collected are analyzed descriptively. The results of the study are muzara’ah is cultivating other people's land such as rice fields or fields in exchange for a portion of the yield (one-half, one-third, or one-quarter), while the labor costs and seeds are borne by the landowner. Ulama have different opinions about the law of muzara’ah, some are permissible and some are forbidden. For those who allow, muzara’ah must meet the pillars and conditions that have been determined. Rukun muzara'ah is landowners, farmers/cultivators, objects of muzara'ah, and Ijab and qabul. The practice of muzara'ah refers to the principles of the Profit and Loss Sharing System. In optimizing the muzara'ah contract on Islamic banks, it is necessary to improve the bank system according to the real vision of the Islamic bank and improve the agricultural system. Muzara'ah financing is very important for farmers who want to develop their agricultural land so that they can create mutual benefit, which means good quality and income from individuals and socially. Therefore, Islamic banks play an important role in implementing the muzara'ah contract in Indonesia, of course with the support of the community and government, including through controlling demand and supply, fixing prices, spurring the emergence of an investment climate, not stopping improving the quality of human resources, and maximizing technology.

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Moh. Faizur Rohman

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+6285749376509

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faza_veiro@uinsa.ac.id

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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

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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

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