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AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Published by Sekolah Tinggi Ilmu Islam dan Bahasa Arab Makassar
ISSN : -     EISSN : 28301455     DOI : 10.36701
Core Subject : Religion,
Religion
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam is a scientific journal in the field of mualamah and Islamic economics studies published twice a year (May and November) by the Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, Indonesia. It is open for all academics, practitioners, intellectuals, and students with the specification of the study of mualamah and Islamic economics. Ideas covering research article, conceptual idea, review of the literature, and practical experience. The scope of AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam are limited to Fiqh of Muamalah, Islamic Economics, Islamic Banking and Finance, Islamic Economic Management, Islamic Economics Law, Management of Zakat, Infaq, Sadaqah, and Waqf, Islamic Entrepreneurship and Business, Islamic Economics Thought, Islamic Insurance, Islamic Accounting, Halal Management, etc. The article will be published in Indonesian, English, and Arabic language. Authors who want to submit their manuscript to the editorial office of AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam should obey the writing guidelines. If the manuscript submitted is not appropriate with the guidelines or written in a different format, it will be rejected by the editors before further reviewed. The editors will only accept the manuscripts which meet the assigned format. AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam also has a CrossRef Member. Therefore, all articles published by AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam will have unique DOI number.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 75 Documents
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Penerapan Larangan Magrib sebagai Solusi Mengatasi Agency Problem dalam Akad Mudharabah Ali Wardani; Wahyuddin Abdullah; Rika Dwi Ayu Parmitasasri
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol 4 No 1 (2024): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v4i1.1286

Abstract

The mudharabah (profit sharing) agreement is a contract that is characteristic of sharia financial institutions. However, agency problems often occur in mudharabah contracts. This article discusses the prevention of mudharabah contract agency problems through the prohibition of maghrib (maisir, gharar, usury and falsehood). The aim is to provide alternative solutions in overcoming mudharabah contract agency problems. The research method used is qualitative literature with a descriptive approach. Primary and secondary data collected through orientation and exploration will be analyzed using inductive and deductive techniques. The results explain that potential agency problems can be reduced by implementing sunset prohibitions (maisir, gharar, usury and falsehood) in the mudharabah contract evaluation process. Both in management processes and financial reports, sunset analysis can be applied to detect or avoid information asymmetries.
Hukum Pemakaian Sistem Pembayaran Shopee PayLater dalam Jual Beli Online Menurut Perspektif Fikih Muamalah Andi Dahmayanti Muchtar; Syamsiah Nur; Miftahul Jannah
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol 4 No 1 (2024): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v4i1.1333

Abstract

Shopee PayLater is an online buying and selling system that is paid in installments with the terms and conditions applied by Shopee. This research aims to find out how muamalah jurisprudence reviews the payment system using Shopee PayLater. This research is a qualitative descriptive research (library research) with a normative juridical approach method. The results of research on Shopee PayLater contracts including qarḍ contracts, namely Shopee PayLater electronic money loans for e-commerce, show that these loans are not permitted because they contain elements that are contrary to Islamic law, namely the element of usury. The implication of this research is that all parties, especially Shopee users, should pay more attention to the contracts used in transactions so as not to fall into contracts that contain prohibited elements in the Shari'a.
Hukum Sponsorship Bersyarat Online Shop Buynana Chips Perspektif Fikih Muamalah Nuraeni Novira; Sri Ujiana Putri; Anisa Indarwati Legimin
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol 4 No 1 (2024): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v4i1.1340

Abstract

This research aims to determine the concept of conditional sponsorship cooperation in the Buynana Chips online shop and what the law is from a muamalah jurisprudence perspective. The formulation of the problem in this research is: first, what is the concept of conditional sponsorship activities in the Buynana Chips online shop; second, what is the legal review from the perspective of muamalah jurisprudence regarding conditional sponsorship activities at the Buynana Chips online shop. The type of research used is qualitative research, which focuses on field studies. Data collection was carried out by means of observation, interviews and documentation using normative and empirical approach methods. The research results found were as follows: first, the Buynana Chips online shop added several conditions to the sponsorship collaboration, including having to sell a certain amount of its products within two weeks and wages given only based on the number of products sold. The sponsor recipient must also bear the cost of shipping the goods. However, Buynana Chips usually bears a small portion of the shipping costs for the goods to be sent to the sponsor recipient. Fines if you are late in depositing funds to Buynana Chips and penalties for not depositing funds. Second, the conditional sponsorship law in the Buynana Chips online shop is permitted because the conditions are in line with the purpose of the contract, it is a community habit, there are benefits and there is also no coercion in this transaction. Except for the terms of fines which can result in usury transactions
Strategi Penguatan Industri Halal di Indonesia: Analisis SWOT Azwar Azwar; Khaerul Aqbar
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol 4 No 1 (2024): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v4i1.1432

Abstract

This research aims to analyze the internal (strengths and weaknesses) and external (opportunities and threats) factors that influence the halal industry in Indonesia and formulate appropriate strengthening strategies based on the results of the SWOT analysis. This research uses a mixed approach, or a combination of qualitative and quantitative methods (mixed method), in the form of an exploratory sequential design using the SWOT analysis technique. The research results show that the strength of Indonesia's halal industry lies in the largest Muslim population in the world, a wealth of natural resources, a strong understanding of Islamic culture, and increased consumer awareness of halal products. However, the halal industry also has weaknesses, such as underdeveloped infrastructure, intense local competition, problems with product quality and authenticity, and difficulties in accessing global markets. From the external side, there are great opportunities to enter international markets, develop innovative halal products, establish strategic partnerships, and take advantage of local market growth. However, the halal industry is also faced with the risk of changing consumer trends, global competition, and product quality problems. Therefore, strengthening strategies are needed in several main areas: increasing productivity and competitiveness, implementing and strengthening policies and regulations, and strengthening finance and infrastructure. Apart from that, efforts are also needed to increase brand awareness of halal products and public awareness about halalness.
Tinjauan Hukum Islam terhadap Penggunaan Voucer Gratis Ongkir di Shopeepay dalam Aplikasi Marketplace Shopee Rosmita; Farida Aprianti; Rahma Alia BS
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol 4 No 1 (2024): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v4i1.1444

Abstract

This research aims to find out the law on free shipping vouchers on Shopeepay in the Shopee application from an Islamic legal perspective. This research uses a qualitative descriptive research method or library research which focuses on the study of manuscripts and texts, using a normative approach and a sociological approach. The results of the analysis show that the mechanism for free shipping vouchers on Shopeepay is by topping up or topping up your balance. Topping up Shopeepay funds can be done in several ways, including: via bank transfer, ATM, Alfamart and Indomaret. Shopeepay top up can be done by clicking top up then selecting the desired top up payment method. After being reviewed and analyzed according to the perspective of Islamic law, free shipping vouchers on Shopeepay are permissible because the funds on Shopeepay are takyif as a sarf contract (exchanging money in paper form for electronic money) so in this case, the use of free shipping vouchers on Shopeepay in the Shopee application is permissible. . The implications of this research are First, Shopee users, especially Muslims who activate ShopeePay to fulfill their needs, are advised to be more careful in carrying out this transaction, as a Muslim you must know the contract you are making so as not to violate the Sharia. Second, Shopee is expected to also pay attention to the service features it already has, such as cashback, discounts, free shipping and other service features using Shopeepay based on sharia provisions.
Menjual Murah Barang Dagang yang Menyelisihi Harga Pasar Menurut Tinjauan Hukum Islam (Studi Kasus di Pasar Tramo Kabupaten Maros) Ahmad Syaripudin; Muhammad Ikhsan; Mujahid Al-Islam
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol 4 No 1 (2024): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v4i1.1448

Abstract

This research aims to find out about the causal factors and laws for selling cheap commercial goods that differ from market prices according to Islamic law (Case Study at Tramo Market, Maros Regency). The type of research used in this research is field research with a case study approach. The research results show: 1) the main factor causing cheap sales of merchandise that occurs at Tramo Maros Market is based on an agreement between sellers and buyers who are both willing, however there are several other factors that influence some traders in selling their merchandise cheaply, including; willingness, compulsion, feelings of reluctance and shame, pressure because of the need for money and goods obtained without capital; and 2) a review of Islamic law regarding the cheap sale of merchandise at Tramo Maros Market is permissible (mubah), because apart from being based on willingness, it is also in accordance with the concept of buying and selling in Islam where the conditions for determining prices are fulfilled, namely in accordance with the principles of selling. buying and selling in Islam and market mechanisms in Islam and in accordance with the concept of fair prices in Islam and the buying and selling process carried out also meets the pillars and requirements in Islam, so that this buying and selling is legal.
Pelanggaran terhadap Akad Mudarabah dalam Perspektif Fikih Mu’amalah (Studi Analisis Kaidah al-Hukmu Yadūru Ma’a ‘Illatihi Wujūdan wa ‘Adaman) Saadal Jannah; Andi Dahmayanti; Windy Sulfiana
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol 4 No 2 (2024): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v4i2.1443

Abstract

This study aims to determine the violation of the mudarabah contract in terms of the rules of the proposal of al-hukmu yadūru ma'a 'illatihi wujūdan wa 'adaman). This research uses a type of qualitative descriptive research using normative approach methods and sociological approaches. The results of the study found that violations of the mudarabah contract occur if the contract is not in accordance with the pillars, terms, and conditions that must be in the mudarabah contract, 'Illat in the mudarabah contract includes the perpetrator, the object of the transaction (capital, profit), and the contract (shighat). If the 'illat in the mudarabah contract does not exist, then the contract is haram. The implications of this research are expected to be a reference, reading material that is easy to understand, and become a positive reference material and information to the government entrepreneurs, and society in general.
Perkembangan dan Pemetaan Riset Wakaf Produktif: Analisis Bibliometrik Azwar, Azwar; Khaerul Aqbar
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol 4 No 2 (2024): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to map and analyze the development of research on productive waqf using bibliometric methods in reputable international publications. The research employs quantitative methods through bibliometric analysis on the Scopus database from 2004 to 2024. The results show a significant increase in publications on productive waqf in recent years. The most productive author/researcher in this area and the most frequently cited is A. Ascarya. In terms of publication media, the Journal of Islamic Accounting and Business Research has emerged as a popular platform. Topic mapping results reveal that the keyword "Indonesia" is a focal point in the study of productive waqf. Topics closely related to Indonesia, such as potential, productive waqf, cash waqf, empowerment, development, and company management, are important aspects in the management and empowerment of waqf in the country. Newer research areas, such as empirical evidence, financing models, cash waqf literacy, cash waqf, and Baitul Maal wat Tamwil, have likely been developing in recent years. In terms of density, topics like impact, empirical evidence, and financing models appear to be less explored and may present promising research areas for the future.
Praktik Developer Syariah Tanpa Kredit Perbankan Perspektif Fikih Muamalah (Studi Kasus di Perumahan Istiqomah Kabupaten Berau) Andi Dahmayanti; Munawara, Munawara; Risdayani, Risdayani; Rodhiyyah Nur Pratiwi
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol 4 No 2 (2024): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The research aims to analyse the law of sharia developer practices without bank credit in Istiqomah Housing in the perspective of fiqh muamalah. This research uses qualitative field research with a research approach using normative and sociological approaches. As for data collection through interviews and documentation, then the data is analysed using qualitative descriptive analysis. The results of the research found that long-term credit begins with negotiations between the housing authority and consumers regarding the fees to be paid, as well as determining the time to install the house with a maximum time of 10 years. This agreement is written, signed and owned by both parties. Home financing in Istiqomah housing uses an istiṣnā‘ contract, where istiṣnā’ is a form of sale and purchase contract that involves ordering the manufacture of goods. The housing developer provides a credit payment system without going through a bank, and this credit sale and purchase is allowed in sharia. The ruling on the sale and purchase of housing is permissible because it fulfils the pillars and conditions of the sale and purchase contract and does not contradict the Islamic Shariah. The implications of the research are expected to be a good reference for developers, consumers, and the community to always apply home sale and purchase financing in accordance with Islamic law.
Analisis Penerapan BPJS Kesehatan Ditinjau Dari Prespektif Ekonomi Islam Annisa, Zhella; Adabi, Muhammad Akmal Chesta; Sabiq, Rohmah; Syabani, Raisa
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol 4 No 2 (2024): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v4i2.1789

Abstract

Studi ini menganalisis implementasi BPJS Kesehatan, program asuransi kesehatan nasional Indonesia, dari perspektif ekonomi Islam. BPJS Kesehatan berperan penting dalam memberikan perlindungan kesehatan bagi masyarakat Indonesia melalui model cross-subsidization, di mana yang kaya mensubsidi yang membutuhkan. Dari sudut pandang Islam, BPJS Kesehatan sejalan dengan prinsip ta'awun (bantuan timbal balik), keadilan, dan keadilan sosial, yang merupakan dasar dalam ekonomi Islam. Namun, tantangan seperti ketidakpuasan terhadap kualitas layanan, defisit keuangan, dan kepuasan publik terhadap layanan BPJS Kesehatan menyoroti area yang perlu perbaikan. Melalui analisis kualitatif, studi ini mengevaluasi mekanisme BPJS Kesehatan dan mengusulkan penyesuaian untuk lebih selaras dengan prinsip Syariah. Artikel ini bertujuan untuk berkontribusi pada pengembangan sistem asuransi kesehatan yang sesuai dengan standar yang berkelanjutan dan etis seperti yang diamanatkan oleh ekonomi Islam.

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