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Az Zarqa': Jurnal Hukum Bisnis Islam
Published by Universitas Islam Negeri Sunan Kalijaga Yogyakarta
ISSN : 20878117     EISSN : 28093569     DOI : https://doi.org/10.14421/azzarqa
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences
Jurnal Az zarqa merupakan jurnal unggulan Program Studi Hukum Ekonomi Syariah. Fakultas Syariah dan Hukum UIN Sunan Kalijaga Yogyakarta yang dibentuk pada tanggal 1 Desember 2010. Jurnal Az zarqa menyediakan artikel ilmiah hasil penelitian empiris dan analisis-reflektif bagi para praktisi dan akademisi, yang diharapkan berkontribusi dalam mengembangkan teori dan mengenalkan konsep-konsep baru di bidang hukum islam khususnya hukum bisnis islam dalam perspektif yang luas. Jurnal Az zarqa terbit secara berkala dalam kurun 6 bulan sekali, Juni dan Desember.
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 223 Documents
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Contemporary Era of Credit Practices According to Classical Jurisprudence Scholars Khadijatul Musanna
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol 14, No 1 (2022): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/azzarqa.v14i1.2489

Abstract

Abstrak: Kredit merupakan transaksi jual beli dengan pembayaran yang dilakukan secara bertahap/angsuran dalam jangka waktu tertentu, dimana pembayaran akan lebih mahal daripada pembayaran secara tunai. Dalam Hukum Islam kredit dikenal dengan istilah bai’ bit taqsith. Penelitian ini bertujuan untuk mengetahui pandangan Hukum Islam terkait transaksi kredit. Penelitian ini menggunakan metode penelitian kualitatif dan data yang diperoleh berdasarkan studi kepustakaan. Adapun hasil penelitian dapat disampaikan bahwa status jual beli kredit memiliki dua pendapat yang kontroversi, Syekh Muhammad Nasiruddin al-Albani dan Imam Ibnu Qutaibah melarang transaksi kredit karena mangandung dua akad dalam satu transaksi sehingga terdapat unsur riba di dalamnya. Sedangkan Imam Mustafa, Imam Hanafi, Imam Syafi’i, Zaid bin Ali Al Muayyad Billah membolehkan transaksi kredit dengan memenuhi syarat dan ketentuan penetapan harga yang wajar. Adapun menurut hemat penulis transaksi kredit condong ke pendapat yang membolehkan, alasannya karena telah memenuhi standarisasi prinsip etika bisnis Islam dan adanya pendapat para ulama yang menyatakan boleh, sebagai penguat bahwa transaksi kredit halal.Abstract: Credit is a sale and purchase transaction with payments made in stages/installments over a certain period of time, where payments will be more expensive than cash payments. In Islamic law, credit is known as bai' bit taqsith. This study aims to determine the views of Islamic law related to credit transactions. This research uses qualitative research methods and the data obtained are based on literature study. The results of the study can be conveyed that the status of buying and selling credit has two controversial opinions, Sheikh Muhammad Nasiruddin al-Albani and Imam Ibn Qutaibah forbid credit transactions because they contain two contracts in one transaction so that there is an element of usury in it. Meanwhile, Imam Mustafa, Imam Hanafi, Imam Syafi'i, Zaid bin Ali Al Muayyad Billah allow credit transactions by fulfilling the terms and conditions of fair pricing. In the opinion of the author, credit transactions are inclined to an opinion that allows, the reason being that they have met the standardization of Islamic business ethics principles and the opinion of scholars who state that they are allowed, as reinforcement that credit transactions are halal.
Nazhir Capacity Analysis and Cooperation in Productive Waqf Management Muhammad Ash Shiddiqy
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol 14, No 1 (2022): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/azzarqa.v14i1.2423

Abstract

Abstract: Waqf is an economic tool that can bring prosperity to the community. Therefore, good and proper management is required to realize the best interests of wakaf property. As the manager and developer of waqf property, Nazhir must have the ability and skills to manage waqf property. For this reason, special standardization is required to obtain a capable Nazhir based on the wealth of the waqf under management. When the management of the wakaf property works well and produces the best benefits, then these benefits can be used as the beneficiaries of the wakaf property to prosper the community. In the Law on Waqf No. 41 of 2004 and Government Regulation No. 42 of 2006 it has been stated about the responsibilities, roles, and functions of Nazhir. In addition to the law, there are also minimum requirements and abilities that an individual or group of Nazhir must possess. It is hoped that Nazhir in the future will have special abilities. Even though he did not have special skills, Nazir must have a strong desire to learn something related to the management, management and development of Waqf.                                                           Abstrak: Wakaf merupakan alat ekonomi yang dapat membawa kesejahteraan bagi masyarakat. Oleh karena itu, diperlukan pengelolaan yang baik dan benar untuk mendapatkan manfaat yang terbaik dari harta wakaf. Sebagai pengelola dan pengembang harta wakaf, Nazhir harus memiliki kemampuan dan keterampilan dalam mengelola harta wakaf. Untuk itu diperlukan standarisasi khusus untuk mendapatkan nazhir yang mumpuni berdasarkan harta wakaf yang dikelolanya. Ketika pengelolaan harta wakaf dapat berjalan dengan baik dan menghasilkan keuntungan yang sebesar-besarnya, maka manfaat tersebut dapat dijadikan sebagai penerima manfaat harta wakaf untuk mensejahterakan masyarakat. Pada Undang- Undang Tentang Wakaf No 41 Tahun 2004 dan Peraturan Pemerintah No 42 Tahun 2006 telah disampaikan tentang tanggungjawab, peran, serta fungsi Nazhir. Selain undang-undang, ada juga persyaratan dan kemampuan minimum yang harus dimiliki oleh individu atau kelompok Nazhir. Diharapkan Nazhir di masa depan akan memiliki kemampuan khusus. Meski tidak memiliki keahlian khusus, Nazir harus memiliki keinginan yang kuat untuk mempelajari sesuatu yang berkaitan dengan pengelolaan, pengelolaan dan pengembangan Wakaf.
Potential Abuse of the Dominant Position of Indonesian Islamic Banks in Legal Perspective Business Competition Muhammad Khutub
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol 14, No 1 (2022): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/azzarqa.v14i1.2600

Abstract

Abstract: This objective study to examine the potential for abuse of the dominant position in Article 25 of Law no. 5/1999 in the context of business competition law against Bank Syariah Indonesia (Bank Syariah Indonesia). The Bank Syariah Indonesia merger is intended to increase the competitiveness of Islamic Commercial Banks (BUS) in providing services to customers so that they are equivalent to the services of conventional commercial banks. As is well known, the implementation of the Bank Syariah Indonesia merger has resulted in the potential for abuse of the dominant position in the Islamic banking industry, where Islamic commercial banks (BUS) have been reduced from 14 to 12. This activity also has the possibility of unfair business competition, which is clearly prohibited. according to Law no. 5/1999. The research method used is library research where the research is descriptive with a juridical-normative approach taken from secondary data through library research by analyzing data from primary legal materials, secondary legal materials and tertiary legal materials. Based on the results of the study, it is understood that the potential for abuse of the dominant position in Bank Syariah Indonesia is not only seen from its competitors, namely other Islamic banks, but also must be seen from the perspective of customers and the community as service users also play an active role in assessing customer satisfaction based on their respective performances. banking sector. So far, based on the criteria of article 25 above, Bank Syariah Indonesia is very far from the potential for abuse of its dominant position, even though in its assessment Bank Syariah Indonesia is in a dominant position.Abstrak: Penelitian ini bertujuan untuk mengkaji potensi penyelahgunaan posisi dominan dalam pasal 25 UU No. 5/1999 dalam konteks hukum persaingan usaha terhadap Bank Syariah Indonesia (Bank Syariah Indonesia). Merger Bank Syariah Indonesia dimaksudkan untuk meningkatkan daya saing Bank Umum Syariah (BUS) dalam memberikan pelayanan kepada nasabah agar setara dengan pelayanan bank umum konvensional. Seperti yang diketahui, penyelenggaraan merger Bank Syariah Indonesia ini menyebabkan potensi terjadinya penyalahgunaan posisi dominan dalam industri perbankan syariah, di mana bank umum syariah (BUS) menjadi berkurang, dari 14 menjadi 12. Kegiatan ini juga mempunyai kemungkinan terjadinya tindak persaingan usaha tidak sehat yang secara jelas dilarang sesuai UU No. 5/1999. Metode penelitian yang digunakan merupakan library research di mana penelitian bersifat deskriptif dengan pendekatan yuridis-normatif yang diambil dari data sekunder melalui riset kepustakaan dengan menganalisis data dari bahan hukum primer, bahan hukum sekunder dan bahan hukum tersier. Berdasarkan hasil penelitian dipahami bahwa potensi penyalahgunaan posisi dominan pada Bank Syariah Indonesia tidak melulu dilihat dari pesaingnya, yaitu bank-bank syariah lain, tetapi juga harus dilihat dari perspketif nasabah dan masyarakat sebagai pengguna layanan juga turut berperan aktif dalam melakukan penilaian kepuasan konsumen berdasarkan kinerja masing-masing perbankan.Adapun Bank Syariah Indonesia sejauh ini berdasarkan kriteria pasal 25 di atas, sangat jauh dari potensi penyalahgunaan posisi dominannya, meskipun dalam peniliannya Bank Syariah Indonesia berada pada posisi dominan.
Dropshipping and Reselling Studies in Muamalat Fiqh Aang Asari; Ni’mah Zaidah
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol 14, No 1 (2022): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/azzarqa.v14i1.2582

Abstract

Abstract: The practice of Dropshipping & reselling, is a new concept in Islamic law. Dropshipping is a product sale that allows sellers to sell their products to customers with an image based on the owner of the goods (supplier) without having to stock up on goods and sell to customers at a specified price. So, in this case the seller is an active actor to find customers. Meanwhile, reselling is a term that is also used to describe a marketing or sales system for a product that involves three parties, namely the owner of the goods, the buyer and the reseller. This type of research uses a literature study approach, using a qualitative narrative method. The results of this study can show that buying and selling with a dropship and reseller system does not violate sharia provisions. Even though the parties do not have the goods and the capital is only the specifications, Islamic law allows this kind of contract. The contract can be as a simsarah or broker, it can also be a salam contract (order). However, if it is planned with a salam contract, it must fulfill several conditions, among others: what is sold is not the other but the specifications, the goods are not delivered at the time of the contract, there is a time limit for the delivery of the goods and the place of delivery of the goods is clear.Abstrak: Praktik Dropshipping & reselling, adalah konsep baru dalam hukum Islam. Dropshipping merupakan penjualan produk yang memungkinkan penjual menjualkan produknya pada pelanggan bermodalkan gambar berdasarkan pemilik barang (supplier) tanpa wajib menyetok barang & menjual ke pelanggan menggunakan harga yg ditentukan. jadi, pada hal ini penjual merupakan pelaku aktif buat mencari pelanggan. Sedangkan reselling adalah istilah yang juga digunakan untuk menyebutkan salah satu sistem pemasaran atau penjualan suatu produk yang melibatkan tiga pihak, yaitu pemilik barang, pembeli dan reseller. Jenis penelitian ini memakai pendekatan studi literatur pustaka, memakai metode naratif kualitatif. Hasil kajian ini dapat menunjukan bahwasannya, jual beli dengan sistem dropship dan reseller tidak melanggar ketentuan syariah. Meski para pihak belum memiliki barangnya dan modal hanya baru spesifikasinya saja. Syariat Islam membolehkan akad seperti ini. Namun sekema akadnya bisa saja sebagai simsarah atau broker, bisa juga akad salam (pesanan). Namun jika itu diskemakan dengan akad salam, harus memenuhi beberapa syarat, antara lain: yang dijual bukan ainnya akan tetapi spesifikasinya saja, barang tidak diserahkan pada saat akad, ada batas waktu penyerahan barang dan jelas tempat penyerahan barangnya.
Study the Philosophy of Islamic Law in Determination Percentage of Zakat Mal Muhamad Ulul Albab Musaffa; Dakum Dakum; Ahmad Hujaj Nurrohim; Muhammad Rosyad Sudrajad
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol 14, No 1 (2022): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/azzarqa.v14i1.2589

Abstract

Abstract: The issue of zakat in today's society is very complex and dynamic. Zakat, which is expected to be an instrument of economic empowerment of the people, must be able to explore its potential. One of the potentials of zakat that can be hope in the development of the Islamic economy is the determination of the percentage of zakat dynamically. This is interesting because the percentage of zakat is considered by some academics to be a fixed thing (tsubut) and cannot be changed, but is that true? And how is the actual determination of the percentage of zakat at the time of the prophet by looking at the socio-historical at that time? Then how is the percentage of zakat contextualized in the current era? This article is a normative-philosophical study, and it is library research using an Islamic legal philosophy approach to the percentage of zakat in this modern era. The result of this article is that the percentage of zakat is not standard (tsubut). Several narrations have implications for scholars' opinion that the percentage of zakat is seen from the masaqah in getting it and is evidence that zakat is dynamic. This is following al-Qarafi's opinion, namely by positioning the prophet Muhammad when setting the zakat percentage policy, not as a messenger of God but rather as a leader in regulating the policies of his people.Abstrak: Isu zakat dalam masyarakat saat ini sangat kompleks dan dinamis. Zakat yang diharapkan menjadi instrumen pemberdayaan ekonomi umat harus mampu menggali potensinya. Salah satu potensi zakat yang dapat diharapkan dalam pengembangan ekonomi Islam adalah penentuan persentase zakat secara dinamis. Hal ini menarik karena persentase zakat dianggap oleh sebagian akademisi sebagai hal yang tetap (tsubut) dan tidak dapat diubah, namun apakah itu benar? Dan bagaimana sebenarnya penentuan persentase zakat pada masa nabi dengan melihat sosio-historis pada saat itu? Lalu bagaimana konteks persentase zakat di era saat ini? Artikel ini merupakan kajian normatif-filosofis, dan merupakan penelitian kepustakaan dengan menggunakan pendekatan filsafat hukum Islam terhadap persentase zakat di era modern ini. Hasil dari pasal ini adalah prosentase zakat tidak baku (tsubut). Beberapa riwayat berimplikasi pada pendapat ulama bahwa persentase zakat dilihat dari masaqah yang mendapatkannya dan merupakan bukti bahwa zakat itu dinamis. Hal ini sesuai dengan pendapat al-Qarafi, yaitu dengan memposisikan Nabi Muhammad SAW dalam menetapkan kebijakan persentase zakat, bukan sebagai utusan Allah melainkan sebagai pemimpin dalam mengatur kebijakan umatnya.
Juridical Overview of the Implementation of the Sharia Concept in a Sharia Hotel Business (Study on the Nusantara Sharia Hotel in Bandar Lampung) Ledy Famulia; Lina Maulidiana
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol 14, No 1 (2022): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/azzarqa.v14i1.2609

Abstract

Abstract: The concept of sharia was first introduced in Indonesia by the presence of Bank Muamalat in 1991 which was pioneered by the Indonesian Ulema Council (MUI) and the Government. Within a period of three years, bank muamalat was able to get the title of foreign exchange bank, where the bank obtained a letter of appointment from Bank Indonesia to conduct business activities and foreign exchange. Until 1998, Bank Muamalat was able to survive in the midst of the monetary crisis. This proves that the sharia concept is able to compete and start to get a place in business ventures in Indonesia. In its development, the sharia concept developed in various forms of business, such as sharia pawnshops, sharia insurance, sharia tourism, and even sharia hotels. More specifically, this study will explain further about the sharia hotel business. One example of sharia hospitality is Hotel Nusantara Syariah which is located at Jalan By Pass Soekarno Hatta, Suka bumi Indah, Suka Bumi District, Bandar Lampung City. The research method uses a case approach, with primary data (field studies) as the main data and supported by secondary data related to the research theme. The results of the study indicate that the criteria for sharia hotels are as stipulated in the Regulation of the Minister of Tourism and Creative Economy of the Republic of Indonesia Number 2 of 2014 concerning Guidelines for the Implementation of Sharia Hotel Businesses and the Fatwa of the National Sharia Council Number 108/DSN-MUI /X/2016 concerning Guidelines for the Implementation of Tourism Based on Sharia Principles. has not been fully implemented at Hotel Nusantara Sharia Bandar Lampung.Abstrak: Konsep syariah pertama kali di Indonesia diperkenalkan oleh hadirnya Bank Muamalat pada tahun 1991 yang dipelopori oleh Majelis Ulama Indonesia (MUI) dan Pemerintah. Dalam kurun waktu tiga tahun, bank muamalat mampu mendapat predikat bank devisa, dimana bank tersebut memperoleh surat penunjukkan dari Bank Indonesia untuk melakukan kegiatan usaha dan valuta asing. Hingga pada tahun 1998, bank Muamalat mampu bertahan ditengah krisis moneter. Hal ini membuktikan bahwa konsep syariah mampu bersaing dan mulai mendapat tempat dalam usaha bisnis di Indonesia. Dalam perkembangannya, konsep syariah berkembang dalam berbagai bentuk usaha, seperti pegadaian syariah, asuransi syariah, pariwisata syariah, bahkan perhotelan syariah. Secara lebih khusus, penelitian ini akan menjelaskan lebih lanjut terkait usaha perhotelan syariah. Salah satu contoh perhotelan syariah adalah Hotel Nusantara Syariah yang beralamatkan di Jalan By Pass Soekarno Hatta, Sukabumi Indah, Kecamatan Suka Bumi, Kota Bandar Lampung. Metode penelitian menggunakan pendekatan kasus (case approach), dengan data primer (studi lapangan) sebagai data utama dan didukung oleh data sekunder yang terkait dengan tema penelitian. Hasil penelitian menunjukkan bahwa kriteria hotel syariah sebagaimana diatur dalam Peraturan Menteri Pariwisata dan Ekonomi Kreatif Republik Indonesia Nomor 2 Tahun 2014 tentang Pedoman Penyelenggaraan Usaha Hotel Syariah dan Fatwa Dewan Syariah Nasional Nomor 108/DSN-MUI /X/2016 tentang Pedoman Penyelenggaraan Pariwisata Berdasarkan Prinsip Syariah belum diimplementasikan secara utuh di Hotel Nusantara Syari’ah Bandar Lampung. 
The Nisbah of Indomaret Musyarakah Franchise in Indonesia: MUI Approach Fauzi, Inna
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol. 14 No. 2 (2022): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/azzarqa.v14i2.2733

Abstract

Abstract: The retail industry is an Indonesian business that provides basic needs and daily needs. This industry is engaged in a promising trading business. Conducting joint ventures with the public and business entities who wish to open a business in the field of trade (business retail) with a franchise system. On the other hand, the concept of cooperation promoted by the DSN MUI fatwa No. 08/DSN-MUI/IV/2000 must also continue to be applied for the realization of the Musyarakah concept. The purpose of this study was to find out how the calculation of the musharaka ratio of retail products at Indomaret in Kudus and how to analyze the fatwa of DSN MUI No 08/DSN-MUI/IV/2000 on the implementation system of calculating the musharaka ratio of retail products at Indomaret in Kudus. This study uses a qualitative descriptive method with a juridical-empirical approach. The results showed that the calculation of the musharaka ratio for retail products at Indomaret in Kudus was not in accordance with Islamic law through the fatwa of DSN MUI No 08/DSN-MUI/IV/2000 on the principle of Distribution of Business Results. In addition, the implementation system for calculating the musharaka ratio for retail products at Indomaret in Kudus tends to be subjective, not as in the Qur'an letter an-Nahl:9.Abstrak: Industri ritel merupakan bisni Indonesia yang menyediakan kebutuhan pokok dan kebutuhan sehari-hari. Industri ini bergerak dalam bidang usaha perdagangan yang cukup menjanjikan Mengadakan kerja sama (joint venture) dengan masyarakat dan badan usaha yang ingin membuka usaha dalam bidang perdagangan (businessretail) dengan sistem waralaba. D isisi lain, konsep kerja sama yang diusung oleh fatwa DSN MUI No 08/DSN-MUI/IV/2000 juga harus berus diterapkan demi terwujudnya konsep Musyarakah. Tujuan penelitian ini adalah untuk mengetahui bagaimana pelaksanaan perhitungan nisbah musyarakah produk retail pada Indomaret di Kudus serta bagaimana analisa fatwa DSN MUI No 08/DSN-MUI/IV/2000 terhadap sistem pelaksanaan perhitungan nisbah musyarakah produk retail pada Indomaret di Kudus. Penelitian ini menggunakan metode deskriptif kualitatif dengan pendekatan yuridis-empiris. Hasil penelitian menunjukkan bahwa pelaksanaan perhitungan nisbah musyarakah produk retail pada Indomaret di Kudus tidak sesuai dengan Hukum Islam melalui fatwa DSN MUI No 08/DSN-MUI/IV/2000 tentang prinsip Distribusi Hasil Usaha. Selain itu, sistem pelaksanaan perhitungan nisbah musyarakah produk retail pada Indomaret di Kudus cenderung bersifat subjektif tidak sebagaimana dalam al-Qur’an surat an-Nahl ayat 9.
Temporary Waqf as a Study of Fiqh Muamalah (Juridical Thoughts and Possibility of Its Implementation) Solichin, Nur Mifchan
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol. 14 No. 2 (2022): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/azzarqa.v14i2.2704

Abstract

Abstract: Based on data from the Indonesian Waqf Board (BWI), Indonesia has a waqf potential of IDR 180 trillion per year. However, waqf in Indonesia has not been fully managed effectively, in many cases there are abandoned waqf objects that are not maintained. To reduce the abandonment of waqf assets, the discourse of waqf fiqh has developed with the discussion of temporary waqf. The question that arises is what is the opinion of the fiqh scholars about temporary waqf, especially the scholars of the four madzhabs; Shafi'i, Hanbali, Hanafi and Maliki? Then how is the possibility of implementing the temporary waqf? This research is a combination of normative and empirical, using a qualitative approach, by researching the law on temporary waqf, supported by empirical data. Primary data is obtained from field research, in the form of interviews with the Head of the Waqf and Land Institute of the Nahdlatul Ulama Regional Board of Yogyakarta Special Region. Secondary data is obtained from fiqh books, articles and regulations in Indonesia regarding temporary waqf. Shafi'iyah and Hanabilah scholars such as As-Shirāzi and Ibn Qudamah rejected the practice of temporary waqf. On the other hand, the Hanafiyah and Malikiyah allow temporary waqf. Nahdlatul Ulama officially recognises four schools of fiqh: Hanafi, Maliki, Shafi'i, and Hanbali, so there is a possibility that temporary waqf can be implemented by Nahdlatul Ulama because Hanafiyah and Malikiyah permit temporary waqf.
Qardh Implementation in Islamic Financial Institutions (LKS) and Advantage in Enterprise World Ali, Zezen Zainul; Wulandari, Annisa; Radiamoda, Anwar M
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol. 14 No. 2 (2022): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/azzarqa.v14i2.2592

Abstract

Abstrak: Kajian dalam artikel ini akan membahas implementasi qardhh dalam Lembaga Keuangan Syariah (LKS) yang mencakup pengertian, dasar hukum, ketentuan serta persyaratan terkait akad qardh serta manfaat. Kajian mengenai implementasi qardh di Lembaga Keuangan Syariah ini penting disajikan dengan alasan bahwa qardh merupakan suatu produk pembiayaan bank yang berasaskan atau memiliki prinsip untuk saling tolong menolong. Namun, jasa pembiayaan semacam ini kurang begitu populer di masyarakat. Tujuan artikel ini adalah untuk mempopulerkan akad qardh di tengah masyarakat, mempermudah dan melancarkan aktivitas ekonomi masyarakat dengan memaparkan konsep, implementasi dan manfaat dari qardh bagi para pelaku usaha. Penelitian ini menggunakan metode studi pustaka yakni dengan cara mengumpulkan berbagai sumber bacaan yang sesuai, lalu menggunakan analsisis deskriptif dengan mengidentifikasi dari berbagai sumber rujukan baik buku, jurnal dan website. Temuan dalam penelitian ini, menggambarkan secara jelas dan rinci praktik dari qardh pada Lembaga keuangan Syariah serta qadh dapat memberikan manfaat bagi pelaku usaha yakni adanya saling tolong menolong dan memberikan banyak manfaat.Abstrak: The study in this article will discuss the implementation of qardh in Islamic Financial Institutions (LKS) which includes the understanding, legal basis, provisions and requirements related to qardh contracts and benefits. This study on the implementation of qardh in Islamic financial institutions is important to present on the grounds that qardh is a bank financing product that is based on or has the principle of helping each other. However, this kind of financing service is less popular in the community. The purpose of this article is to popularize the qardh contract in the community, facilitate and expedite the community's economic activities by explaining the concept, implementation and benefits of qardh for business actors. This research uses the literature study method, namely by collecting various appropriate reading sources, then using descriptive analysis by identifying various reference sources, both books, journals and websites. The findings in this study describe clearly and in detail the practice of qardh in Islamic financial institutions and qadh can provide benefits for business actors, namely the existence of mutual help and providing many benefits.
Productive Zakat as Economic Empowerment Mustahiq Amil Zakat Institute Daarut Tauhid Peduli Lampung Mustofa, Ulul Azmi; Novita, Resilia
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol. 14 No. 2 (2022): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/azzarqa.v14i2.2411

Abstract

Abstract: Poverty is not just an individual or personal problem, but poverty is a common problem. The Amil Zakat Institute Daarut Tauhid Cares Lampung with the productive zakat program must be able to answer these problems. This study aims to determine the mechanism and pattern of productive zakat empowerment applied by LAZ Daarut Tauhid Peduli Lampung and want to know its impact on mustahik. This type of research is a field research conducted at LAZ Daarut Tauhid Peduli Lampung. The results of this study are the mechanisms and patterns used for empowerment in LAZ Daarut Tauhid Lampung are using the Economic Care program (Misykat program, Independent Cattle Village, and Independent Farming Business), this program focuses on capital loans in helping Mustahik's economic empowerment. The Economic Care Program is beneficial for the economic empowerment of Mustahik (increasing income, knowledge, independence and independence).Abstrak: Kemiskinan bukan hanya permasalahan individu atau personal, tetapi kemiskinan merupakan permasalahan bersama. Lembaga Amil Zakat Daarut Tauhid Peduli Lampung dengan adanya program zakat produktif harus mampu untuk memjawab permasalahan tersebut. Penelitian ini bertujuan untuk mengetahui mekanisme dan pola pemberdayaan zakat produktif yang duterapkan oleh LAZ (Lembaga Amil Zakat) Daarut Tauhid Peduli Lampung dan ingin mengetahui dampaknya terhadap mustahik. Jenis penelitian ini adalah penelitian lapangan yang dilakukan di LAZ (Lembaga Amil Zakat) Daarut Tauhid Peduli Lampung. Hasil dari penelitian ini adalah mekanisme dan pola yang digunakan untuk pemberdayaan di LAZ (Lembaga Amil Zakat) Daarut Tauhid Lampung adalah menggunakan program Peduli Ekonomi (program Misykat, Desa Ternak Mandiri, dan Usaha Tani Mandiri), program ini terfokus pada pinjaman modal dalam membantu pemberdayaan ekonomi Mustahik. Program Peduli Ekonomi bermanfaat bagi pemberdayaan ekonomi para Mustahik (peningkatan pendapatan, pengetahuan, kemandirian dan kemndirian).

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