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PENERAPAN PRINSIP-PRINSIP HUKUM PERJANJIAN ISLAM DALAM PRODUK PERBANKAN SYARIAH (Telaah Atas Undang-Undang Nomor 21 Tahun 2008 Tentang Perbankan Syariah) Aristoni
Qawanin: Jurnal of Economic Syaria Law Vol 3 No 2 (2019): Juli
Publisher : Fakultas Syariah IAIN Kediri

Prinsip dasar dalam hukum perjanjian Islam yakni, setiap muslim atau subyek hukum memiliki kebebasan dalam melakukan perbuatan hukum untuk mengadakan akad dan/atau perjanjian. Kebebasan sebagaimana dimaksud adalah bebas dalam menentukan objek perjanjian dan bebas menentukan dengan siapa akan membuat suatu perjanjian, dengan catatan sepanjang tidak bertentangan dengan ketentuan hukum Islam. Dalam praktik perbankan syariah pokok-pokok perjanjian dan/atau akad didasarkan pada prinsip syariah yang mana menawarkan suatu produk alternatif prinsip bagi hasil sebagai pengganti dari sistem bunga yang dipakai dalam perbankan konvensional. Secara garis besar produk-poduk perbankan syariah yang dikeluarkan didasarkan pada prinsip titipan, sewa menyewa, jual beli, bagi hasil dan jasa. Dan apabila prinsip-prinsip tersebut dijalankan dalam kegiatan usaha perbankan syariah berdasarkan syarat dan rukunnya, maka akan menghasilkan transaksitransaksi yang bebas dari riba, transaksi yang bersifat untung-untungan dan tidak jelas, objek yang dilarang syariah dan ketidakadilan sebagaimana pula dikehendaki dalam UndangUndang Nomor 21 Tahun 2008 tentang Perbankan Syariah. The basic principle in Islamic treaty law is that every Muslim or legal subject has the freedom to carry out legal actions to enter into contracts and /or agreements. Freedom as referred to is free in determining the object of the agreement and free to determine who will make an agreement, provided that it does not conflict with the provisions of Islamic law. In sharia banking practices the principles of agreements and/or contracts are based on sharia principles which offer an alternative product for profit sharing principle as a substitute for the interest system used in conventional banking. Broadly speaking, Islamic banking products issued are based on the principle of deposit, leasing, buying and selling, profit sharing and services. And if these principles are implemented in sharia banking business activities based on the terms and conditions, they will result in transactions that are free from usury, profit and unclear transactions, objects that are prohibited from sharia and injustice as also desired in the Act Number 21 of 2008 concerning Sharia Banking.

MEKASNISME PASAR DALAM PERSPEKTIF ABU YUSUF: STUDI KASUS KENAIKAN HARGA TIKET PESAWAT DOMESTIK DI INDONESIA (Market Mechanism in Abu Yusuf's Perspective: Case Study of Domestic Flight Ticket Price Increase in Indonesia) Intan Ayu Nur Wegayanti
Qawanin: Jurnal of Economic Syaria Law Vol 4 No 1 (2020): Januari
Publisher : Fakultas Syariah IAIN Kediri

Pernyataan umum yang berlaku tentang hubungan negatif pada kurva permintaan adalah apabila jumlah suatu barang (Q) mengalami kelangkaan maka harga barang (P) akan naik, dan sebaliknya. Namun salah satu tokoh ekonomi Islam klasik menentang pernyataan tersebut, yaitu Abu Yusuf.Menurut Abu Yusuf bisa saja persediaan barang melimpah diiringi dengan harga yang tinggi dan sebaliknya.Penelitian ini bertujuan untuk menganalisis kenaikan harga tiket pesawat domestik di Indonesia menggunakan konsep mekanisme pasar perspektif pemikiran Abu Yusuf. Metode penelitian yang digunakan adalah metode kajian pustaka, di mana sumber-sumber literatur diperoleh dari buku, internet, jurnal dan lainnya. Sedangkan analisisnya menggunakan deskriptif analisis untuk menjawab permasalahan penelitian. Hasil penelitian menunjukan adanya kesesuaian dengan pemikiran Abu Yusuf yaitu bahwa kenaikan harga tiket pesawat tidak disebabkan oleh kelangkaan, melainkan faktor-faktor lain seperti biaya, perbaikan keuangan maskapai, stagnasi harga tiket, dan penguasaan pasar. Namun bukti empiris juga menemukan bahwa kenaikan harga tiket pesawat menyebabkan penurunan jumlah penumpang, dimana hal ini sesuai dengan teori ekonomi pada umumnya yaitu apabila harga barang naik maka jumlah barang yang diminta cenderung menurun. A general statement that applies to the negative correlation on the demand curve is that if the amount of goods (Q) suffers from scarcity, the price of goods (P) will increase, and vice versa. But, one of the classical Islamic economic figures opposes this statement, namely Abu Yusuf. According to Abu Yusuf, it could be an overflowing supply of goods accompanied by high prices and vice versa. This study aims to analyze the increase of the domestic plane ticket price in Indonesia using the concept of market mechanism based on Abu Yusuf's perspective. The research method uses the literature review method, where literary sourcesare obtained from books, the internet, journals, and others. While the analysis uses descriptive analysis to answer the research problem. The article demonstrates there was a suitability with Abu Yusuf's thouht that the increase in ticket prices was not caused by the scarcity, but it was caused by several other factors such as costs, airline financial improvements, the stagnation of ticket price, and market domination. However, the empirical evidence also that the increase in ticket prices affected the decrease in the number of passengers, which is an accordance to the economic theory in general, that is if the price of goods rises, the amount of goods requested will decrease.

PRAKTIK PENGELOLAAN PRINSIP SYARIAH DI HOTEL ANDITA SYARIAH SURABAYA BERDASARKAN FATWA DSN-MUI NOMOR 108/DSN-MUI/X/2016 (Sharia Principles Management Practices at Andita Syariah Hotel Surabaya Based On DSN-MUI Fatwa Number 108/DSN-MUI/X/2016) Muflihatul Bariroh
Qawanin: Jurnal of Economic Syaria Law Vol 4 No 1 (2020): Januari
Publisher : Fakultas Syariah IAIN Kediri

Penelitian ini didasarkan pada fenomena banyak bermunculan hotel berlabel syariah yang ada di Indonesia, tetapi diindikasikasikan hanya sedikit yang memenuhi kriteria hotel syariah dalam fatwa DSN-MUI No.108/DSN-MUI/X/2016, sehingga tidak memiliki sertifikasi halal termasuk hotel Andita Syariah Surabaya. Tujuan Penelitian adalah mendeskripsikan konsep syariah menurut pengelola hotel Andita Syariah, menjelaskan penerapan prinsip syariah di hotel Andita Syariah serta menganalisis praktik pengelolaan di hotel Andita Syariah berdasarkan fatwa. Pendekatan kualitatif-deskriptif digunakan oleh penulis sebagai metode dalam penelitian melalui penyajian hasil penelitian berdasarkan fakta yang diperoleh dari observasi dan wawancara serta teori dalam bentuk uraian deskriptif. Hasil penelitian didapatkan bahwa terdapat beberapa hal yang belum terpenuhi dari tujuh kriteria standar hotel syariah yang terdapat dalam fatwa DSN-MUI. Namun demikian, titik penting dari penyediaan layanan syariah di hotel Andita Syariah adalah sebagai wujud pemberian dukungan dalam upaya meningkatkan keimanan dan ketakwaan dengan menerapkan prinsip syariah melalui bisnis dan ekonomi syariah. This research is based on the phenomenon of many sharia-labeled hotels popping up in Indonesia but it is indicated that only a few meet the criteria of sharia hotels contained in the fatwa DSN-MUI No.108/DSN-MUI/X/2016, so they do not have halal certification, including hotels andita syariah surabaya. The purpose of this research is to describe the concept of sharia according to the manager of the Andita syariah hotel, explain the application of sharia principles in the Andita Syariah hotel and analyze the management practices at the Andita Syariah hotel based on the fatwa. Qualitative-descriptive approach is used by the author as a method in research through the presentation of research results based on facts obtained from observations and interviews and theories in the form of descriptive descriptions. The results of the study found that there are several things that have not been fulfilled from the seven criteria of sharia hotel standards contained in the DSN-MUI fatwa. However, an important point of providing sharia services at the Andita sharia hotel is as a form of providing support in an effort to increase faith and piety by applying sharia principles through sharia business and economy.

MEKANISME BAGI HASIL SIMPANAN BERJANGKA SYARIAH (SI JAKA) DI BMT NURUL UMMAH NGASEM JAWA TIMUR (The Sharia Futures Deposit (Si Jaka) Profit Sharing Mechanism in BMT Nurul Ummah Ngasem East Java) Khoiriyah Muthmainnah; Joko Hadi Purnomo; Niswatin Nurul Hidayati
Qawanin: Jurnal of Economic Syaria Law Vol 4 No 1 (2020): Januari
Publisher : Fakultas Syariah IAIN Kediri

Penelitian ini dilatar belakangi pengelolaan simpanan berjangka syariah yang semakin pesat dari tahun ke tahun selain itu BMT Nurul Ummah Ngasem Jawa Timur juga melakukan kegiatan penghimpunan dana dari masyarakat salah satunya produk tabungan berjangka syariah (Si Jaka). Dalam pratiknya menggunakan akad mudharabah. oleh sebab itu nasabah sebagai pemilik dana yang telah menyimpan dananya, mendapatkan bagi hasil atau keuntungan yang telah disepakati bersama di awal pembukaan tabungan berjangka syariah (Si Jaka). Oleh karena itu penelitian tertarik untuk mengangkat judul Mekanisme bagi hasil simpanan berjangka syariah (Si Jaka) di BMT Nurul Ummah Ngasem Jawa Timur. Pertanyaan utama yang akan dijawab dari penelitian ini adalah: 1) pengelolaan simpanan berjangka syariah (Si Jaka) yang ada di BMT Nurul Ummah Ngasem Jawa Timur. (2) mekanisme bagi hasil simpanan berjangka syariah (Si Jaka) di BMT Nurul Ummah Ngasem Jawa Timur. Untuk menjawab permasalahan tersebut, maka penelitian ini menggunakan pendekatan deskriptif kualitatif yang menghasilakan data-data yang diperoleh dari objek penelitian yakni dengan metode observasi, wawancara, dan dokumentasi yang kemudian dilakukan analisis dengan cara mendeskripsikan data dari informal, mereduksi data sesuai kebutuhan penelitian, kemudian di analisis oleh penulis, dan disimpulkan untuk menjawab penelitian. Hasil penelitian menyimpulkan bahwa pengelolaan danÂ mekanisme bagi hasil simpanan berjangka syariah (Si Jaka) yang ada di BMT Nurul Ummah Ngasem Jawa Timur dalam penerapan nisbahnya harus benar-benar sesuai dengan prinsip syariah. This research was grounded by the management of sharia futures deposits which are rapidly increasing from year to year. Besides, BMT Nurul Ummah Ngasem East Java also conducts fundraising activities from the public, one of which is sharia term savings products (Si Jaka). In practice, it uses the mudharabah agreement. Therefore, the customer as the owner of the funds that has deposited the funds, get a profit sharing or profit that has been mutually agreed upon at the beginning of opening of sharia term savings (Si Jaka). Therefore, the research was interested in raising the title of the mechanism for the sharia term savings products (Si Jaka) at BMT Nurul Ummah Ngasem, East Java. The main questions that will be answered from this research were: 1. management of sharia term savings products (Si Jaka) at BMT Nurul Ummah Ngasem East Java, 2. mechanism for the sharia term savings products (Si Jaka) at BMT Nurul Ummah Ngasem East Java. To answer these problems, this research uses a qualitative descriptive approach that produces data obtained from the research object namely observation, interviews, and documentation which are then analyzed by describing data from informal, reducing data according to research needs, then di analysis by the author, and concluded to answer the research. The results of the study concluded that the management and profit sharing mechanism of sharia term savings products (Si Jaka) at BMT Nurul Ummah Ngasem East Java in applying the ratio must be really in accordance with sharia principles.

IMPLEMENTASI PEMBIAYAAN AL-QARDH WAL IJARAH (Studi Kasus di BMT Nurul Ummah Ngasem Jawa Timur) The Implementation of Al-Qardh Wal Ijarah Financing (Case Study at BMT Nurul Ummah Ngasem East Java Nurul Aini; Moch. Zaenal Azis Muchtarom; Moch. Agus Sifa’
Qawanin: Jurnal of Economic Syaria Law Vol 4 No 1 (2020): Januari
Publisher : Fakultas Syariah IAIN Kediri

Penelitian ini dilatarbelakangi Pembiayaan Al-Qardh Wal Ijarah. Al qardh wal ijarah merupakan salah satu produk yang didalamnya terkandung misi sosial. Adanya misi sosial kemasyarakatan ini akan meningkatkan citra baik dan meningkatkan loyalitas masyarakat terhadap BMT. Pembiayaan Al-Qardh Wal Ijarah ini disamping memberi bantuan untuk modal usaha dapat juga diberikan kepada anggota yang memerlukan dana bukan untuk usaha melainkan untuk kegiatan biaya anak sekolah, membangun rumah, dan kebutuhan lainnya sesuai dengan kegiatan anggota. Jenis penelitian ini adalah peneliti menggunakan pendekatan kualitatif dengan metode deskriptif. Data yang didapatkan adalah data primer yang langsung diperoleh dari BMT Nurul Ummah Ngasem Jawa Timur tentang pembiayaan al-qardh wal ijarah dan dari data sekunder yang merupakan data olahan yang sumbernya dapat dipercaya dan dipertanggungjawabkan secara ilmiah dengan menggunakan studi pustaka, interview, internet, dan lain-lain. Hasil penelitian dalam Peneliti ini adalah BMT Nurul Ummah Ngasem Jawa Timur sudah memiliki standar operasional prosedur penerapan dengan baik sesuai dengan prinsip analisis pembiayaan dan yang sering mengajukan pembiayaan al-qardh wal ijarah adalah anggota yang memiliki usaha yan bertujuan untuk mengembangkan usahanya. Dan sistem yang digunakan oleh BMT Nurul Ummah Ngasem Jawa Timur yaitu menggunakan sistem promosi personal selling (penjualan pribadi) yang dilakukan oleh santri BMT Nurul Ummah Ngasem Jawa Timur kepada anggota yang memiliki usaha. This research is motivated by Al-Qardh Wal Ijarah Financing. Al qardh wal ijarah is one of the products contained in social mission. The existence of the social mission will improve the good image and increase public loyalty to the BMT. Al-Qardh Wal Ijarah's financing aside from providing assistance for business capital can also be given to members who need funds not for business but for the activities of schoolchildren's costs, building houses, and other needs in accordance with the member's activitiesThis type of research is researchers using a qualitative approach with descriptive methods. he data obtained are primary data directly obtained from BMT Nurul Ummah Ngasem East Java about al-qardh wal ijarah financing and from secondary data which is processed data whose sources can be trusted and scientifically accounted for using literature studies, interviews, internet, etc. -other. The results of this study in this Researcher is that the BMT Nurul Ummah Ngasem East Java already has standard operating procedures for implementing them in accordance with the principles of financing analysis and who often propose financing al-qardh wal ijarah are members who have businesses that aim to develop their businesses. And the system used by BMT Nurul Ummah Ngasem East Java is to use a personal selling promotion system conducted by students of BMT Nurul Ummah Ngasem East Java to members who have businesses.

TINJAUAN HUKUM ISLAM TERHADAP PRAKTIK SEWA MENYEWA POHON MANGGA DI KALANGAN MASYARAKAT DUSUN PATUK (Overview of Islamic Law Against Leasing Practices of Leasing Mango Trees Among Patuk Communities) Afanda Leliana Sari; Abdul Wahab A. Khalil; Faridatul Fitriyah
Qawanin: Jurnal of Economic Syaria Law Vol 4 No 1 (2020): Januari
Publisher : Fakultas Syariah IAIN Kediri

Praktik sewa menyewa pohon mangga di kalangan masyarakat Dsn. Patuk Ds. Ngetos Kec. Ngetos Kab. Nganjuk yang tidak biasa perlu kajian dengan tinjauan hukum Islam apakah sudah sesuai dengan syariat, guna meminimalisir adanya kemadlaratan yang mungkin ditimbulkan. Penelitian ini akan mengkaji dan menganalisis tentang praktik sewa menyewa pohon mangga dikalangan masyarakat Dusun Patuk Desa Ngetos Kecamatan Ngetos Kabupaten Nganjuk serta statusnya tinjauan hukum Islam. Penelitian lapangan (field reseach) ini menggunakan pendekatan kualitatif. Sumber datanya adalah masyarakat Dusun Patuk, dikumpulkan dengan teknik wawancara dan observasi. Metode analisisnya adalah deskriptif, yaitu mendeskripsikan bagaimana praktik sewa menyewa pohon mangga yang terjadi di kalangan masyarakat Dsn. Patuk Ds. Ngetos Kec. Ngetos Kab. Nganjuk dengan tinjauan hukum Islam. Dari hasil penelitian dapat disimpulkan bahwa praktik sewa menyewa pohon mangga di kalangan masyarakat Dsn. Patuk Ds. Ngetos Kec. Ngetos Kab. Nganjuk termasuk dalam akad bathÄ«l dikarenakan terdapat satu rukun yang tidak terpenuhi atau dilarang oleh syaraâ€™ yakni penggunaan pohon mangga sebagai objek sewa. Terkait dengan resiko, dalam praktik ini seluruh resiko menjadi tanggungjawab pihak penyewa. Hal ini tidak sesuai dengan ketentuan dalam Fatwa Dewan Syariah Nasional-Majelis Ulamaâ€™ Indonesia (DSN-MUI) No: 112/DSN- MUYIX/2017 Tentang Akad IjÄrah. Sedangkan hukumnya adalah dihukumi maâ€™fu, dikarenakan ketidak pahaman masyarakat tersebut atas hukum dari praktik yang mereka lakukan. The practice of renting happens in Patuk Ngetos village Ngetos Nganjuk Regency by using mango trees as the objects in unusual leases needs to be studied with a review of Islamic law whether it is in accordance with the Sharia in order to minimize the existence of delays that might result from this practice, as well as a review of Islamic law about the practice of renting mango trees among the people of in Patuk Ngetos village Ngetos Nganjuk Regency. This type of research is a field research (field research), with a qualitative approach. The data source of this research is the community of Patuk villaget. The data collected isprimary data with data collection techniques through interviews and observations. Based on the results of the study, it can be concluded that this practice is included in the bathīl contract because there is one pillar that is not fulfilled or prohibited by syara 'which is the use of mango trees as rental objects. This is also in accordance with the view of the ulama 'madzhab which states that it is not permissible to rent trees for fruit. In addition, the use of this object has resulted in uncertain speculation of results so that it tends towards gharar. As for the law on the practice of renting that has been done by the people of Patuk village, they are punished by ma'fu, due to the community's lack of understanding of the law of their practice. Therefore, the practice of renting a mango tree should be transferred to other agreements (contracts) such as land rent along with what is embedded in it or also with a contract (contract) musaqah provided that the results are sold to the cultivators.

PENERAPAN WAKAF UANG SECARA PROFESIONAL MENURUT HUKUM ISLAM (Application of Cash Waqf in Good Governance) Ahmad Mu’is; Binti Nur Hamida
Qawanin: Jurnal of Economic Syaria Law Vol 4 No 1 (2020): Januari
Publisher : Fakultas Syariah IAIN Kediri

In term of terminology, the word Waqf means 'holding back something to acquire advantage'. Certain things can be something active like land or passive like money as cash waqf (waqf al nuqud). Money as waqf is still not explored and managed to the maximum, even though its potential is massive because Indonesia is a majority Muslim country. The great potential of waqf challenges is also not easy. The main obstacle is more on human resources and their management strategies. The problem of good and efficient management of waqf is a problem. Therefore, the greater the wealth and diversity of waqf that can be managed by Nadzhir professionally with proper management, the more benefits can be derived from managing cash waqf with good governance will strengthen the role of waqf in improving the economy and welfare of the community. This research uses literature study method by referring several primary and secondary sources in the form of books, and relevant journals discussing the problems of waqf, money waqf, and good governance. The results of this study state that in the context of waqf management, Good Governance can be more easily interpreted as trustful waqf management so that waqf property can be collected, managed and distributed properly for the benefit of the people. Potential money as cash waqf is also very promising, because waqf in this form are not with ownership of large amounts of wealth. Key words: Waqf, Cash Waqf, Good Governance

UPAYA IMPLEMENTASI FATWA MAJELIS ULAMA INDONESIA NOMOR 23 TAHUN 2020 SEBAGAI UPAYA PEMULIHAN EKONOMI OLEH LEMBAGA AMIL ZAKAT (MUI FATWA IMPLEMENTATION BUSINESS NUMBER 23 YEAR 2020 IN ECONOMIC RECOVERY BY AMIL ZAKAT INSTITUTION) Binti Mutafarida; Moh. Farih Fahmi
Qawanin: Jurnal of Economic Syaria Law Vol 4 No 2 (2020): Juli
Publisher : Fakultas Syariah IAIN Kediri

Penelitian ini bertujuan untuk menganalisa adakah implementasi dari Lembaga Amil Zakat dalam hal ini adalah Yayasan Yatim Mandiri cabang Kediri dalam menyikapi adanya Fatwa MUI Nomor 23 Tahun 2020 tentang pemanfaatan harta zakat, infak, dan shadaqah untuk penanggulangan wabah covid-19 dan dampaknya terutama dalam bidang ekonomi yang berdampak pada kondisi kesejahteraan masyarakat. Teori yang digunakan dalam penelitian ini adalah konsep kesejahteraan Imam Ghazali dan juga Fatwa MUI Nomor 23 tahun 2020. Sedangkan hasil penelitian dijabarkan dalam bentuk kata-kata sehingga disebut dengan metode kualitatif dengan data dari hasil wawancara. Hasil dari penelitian ini menunjukkan bahwa Yayasan Yatim Mandiri cabang Kediri mengapresiasi Fatwa MUI Nomor 23 tahun 2020 dengan cara menyalurkan dana filantropi yang terkumpul melalui dalah satu programnya yang bernama BISA untuk meningkatkan kesejahteraan masyarakat dalam bidang ekonomi pada masa pandemi covid 19. This study aims to analyze whether an implementation of the Amil Zakat Institute is real, in this case the Kediri branch of the Yatim Mandiri Foundation in response to the MUI Fatwa Number 23 of 2020 concerning the use of zakat, infaq and shadaqah assets for the prevention of the Covid-19 outbreak and its impact, especially in the economic sector. which has an impact on the condition of society's welfare. The theory used in this research is the concept of the welfare of Imam Ghazali and also Fatwa MUI Number 23 of 2020. Meanwhile, the results of the study are translated into words so that they are called qualitative methods with data from interviews. The results of this study indicate that the Kediri branch of the Yatim Mandiri Foundation appreciates MUI Fatwa Number 23 of 2020 by channeling philanthropic funds collected through one of its programs called BISA to improve the welfare of the society in the economic sector during the Covid 19 pandemic.

POLA HIDUP DAN KONSUMSI PEMULUNG DITINJAU DARI FIKIH KONSUMSI (Studi Kasus di Desa Pojok Dusun Jarakan Klotok Kota Kediri) LIFE PATTERNS AND CONSUMPTION OF SCHOOLS FROM CONSUMPTION FIKIH (Case Study in Pojok Dusun Jarakan Klotok Village, Kediri City) Alwi Musa Muzaiyin
Qawanin: Jurnal of Economic Syaria Law Vol 4 No 2 (2020): Juli
Publisher : Fakultas Syariah IAIN Kediri

Pola hidup merupakan gambaran dari aktivitas/kegiatan yang didukung oleh minat, keinginan dan bagaimana pikiran menjalaninya dalam berinteraksi dengan lingkungan. Menurut ilmu ekonomi, yang dimaksud dengan konsumsi adalah setiap kegiatan memanfaatkan, menghabiskan kegunaan barang dan jasa untuk memenuhi kebutuhan dalam upaya menjaga kelangsungan hidup. Menurut sudut pandang Islam atau dalam prespektif Islam, etika berkonsumsi sesuai syariah islam adalah memakan makanan yang halal. Pemulung adalah sekelompok orang yang bekerja mengumpulkan barang-barang bekas dengan cara mengerumuni muatan truk sampah yang tengah di bongkar, sebagian pemulung lainnya berputar-putar mengais barang bekas dari tumpukan-tumpukan sampah. Ada tiga prinsip dasar konsumsi yang digariskan oleh Islam, yakni prinsip halal, kebersihan dan kesederhanaan. Tujuan penelitian ini adalah untuk mengetahui pola hidup dan konsumsi pemulung dalam keseharian mereka dan untuk mengetahui pola hidup dan konsumsi pemulung ditinjau dari fikih konsumsi. Dalam penelitian ini pendekatan yang digunakan adalah metode penelitian kualitatif. Penelitian ini menggunakan data primer yaitu pewawancara menemui secara langsung narasumber. Dari wawancara yang dilakukan dapat diketahui bahwa pola hidup dan konsumsi pemulung memang tidak sepenuhnya menerapkan sunnah Rasul, namun mereka tetap menjaga kebersihan diri mereka dan keluarganya. The way of life is a picture of the activities supported by the interest, desire and how the mind interacts with the environment to live in. According to economics, consumption is defind any activity utilizing, spent the usefulness of goods and services to acquire needs in an effort to maintain viability. According to the viewpoint of the Islamic perspective, Sharia-compliant Islamic ethics consume is to eat halal food. Scavengers are a group of people who work to collect used goods by way of swarming truckloads of garbage being dismantled, some other scavengers circling scavenge junk piles of garbage. Three basic principles outlined by the consumption of Islam, the principles of lawful, cleanliness, and simplicity. The purpose of this study was to determine the patterns of life and consumption of scavengers in their daily lives and to know the patterns of life and consumption in terms of fiqh consumption scavengers. In this study, the approach used is qualitative research methods. This study uses primary data to get the interviewer directly speakers. From interviews conducted showed that lifestyle and consumption scavengers did not fully implement the Sunnah of the Prophet, but they still keep clean themselves and their families.

THE ISLAMIC LAW REVIEW ON MANAGEMENT OF THE SOCIAL SECURITY ORGANIZING AGENCY (BPJS) Pandi Rais; Shahrul bin Abd Shofi; Erina Sonia; Sulis Setyoningsih
Qawanin: Jurnal of Economic Syaria Law Vol 4 No 2 (2020): Juli
Publisher : Fakultas Syariah IAIN Kediri

The Social Security Organizing Agency (BPJS) is a legal entity formed in the aspect of a health insurance program. BPJS is part of the JKN (National Health Insurance) which has the aim of ensuring the health of the entire citizen . To measure whether the BPJS for heath has been able to realize its goals, it is necessary to discuss this matter through this journal. With the journal method, the descriptive type method, and the data collection technique used is library research. Then the data is analyzed by descriptive analysis method and associated with the facts. Data shows that the BPJS is a mutual assistance guarantee program, participation is mandatory for all Â citizens and is not selective, as well as the existence of a contribution system. Facilities provided include First Level Health Facilities (FKTP), Advanced Level Referral Health Facilities (FKRTL), supporting health facilities, all of which are provided to address health problems since the level of minor illness. However, in the development of the implementation of the BPJS program, several problems emerged, which eventually affected the level of public health. The results of the Bahtsul Masail of PBNU in the Bahtsul Masail commission session at the Bahrul Ulum Nahdatul Ulama Islamic Boarding School, decided that the Social Security Organizing Agency (BPJS) was halal and could be used for all groups in the framework of health insurance in Indonesia. The Social Security Organizing Agency (BPJS) is a legal entity formed in the aspect of a health insurance program. BPJS is part of the JKN (National Health Insurance) which has the aim of ensuring the health of the entire citizen . To measure whether the BPJS for heath has been able to realize its goals, it is necessary to discuss this matter through this journal. With the journal method, the descriptive type method, and the data collection technique used is library research. Then the data is analyzed by descriptive analysis method and associated with the facts. Data shows that the BPJS is a mutual assistance guarantee program, participation is mandatory for all citizens and is not selective, as well as the existence of a contribution system. Facilities provided include FirstLevel Health Facilities (FKTP), Advanced Level Referral Health Facilities (FKRTL), supporting health facilities, all of which are provided to address health problems since the level of minor illness. However, in the development of the implementation of the BPJS program, several problems emerged, which eventually affected the level of public health. The results of the Bahtsul Masail of PBNU in the Bahtsul Masail commission session at the Bahrul Ulum Nahdatul Ulama Islamic Boarding School, decided that the Social Security Organizing Agency (BPJS) was halal and could be used for all groups in the framework of health insurance in Indonesia.

Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name
Muhammad Fikri Alan

Contact Email
redaksi.qawanin@iainkediri.ac.id

Phone
+62354-689282

Journal Mail Official
redaksi.qawanin@iainkediri.ac.id

Editorial Address
Jalan Sunan Ampel Nomor 7 Ngronggo Kota Kediri, 64127

Location
Kota kediri,

Jawa timur

INDONESIA

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Muhammad Fikri Alan

Contact Email redaksi.qawanin@iainkediri.ac.id

Phone +62354-689282

Journal Mail Official redaksi.qawanin@iainkediri.ac.id

Editorial Address Jalan Sunan Ampel Nomor 7 Ngronggo Kota Kediri, 64127

Location Kota kediri, Jawa timur INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
Muhammad Fikri Alan

Contact Email
redaksi.qawanin@iainkediri.ac.id

Phone
+62354-689282

Journal Mail Official
redaksi.qawanin@iainkediri.ac.id

Editorial Address
Jalan Sunan Ampel Nomor 7 Ngronggo Kota Kediri, 64127

Location
Kota kediri,

Jawa timur

INDONESIA