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Al Barakat: Jurnal Kajian Hukum Ekonomi Syariah
Published by Sekolah Tinggi Ilmu Syariah Husnul Khotimah Kuningan
ISSN : 28090306     EISSN : 28090292     DOI : -
Core Subject : Religion, Humanities, Social,
Religion Humanities Social Sciences
Al-Barakat publishes reports for sharia economics researches and original articles on the latest issues and trends occurring nationally and internationally in which promotes the development and dissemination of new knowledge in: Islamic Banking Contemporary issues in Muamalah (Sharia Economics) Issues in Muamalah practices Discourse on positive law and Islamic perspective concerning sharia economics
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 65 Documents
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Tinjauan Hukum Islam terhadap Pelaksanaan Jual Beli Buah di Jorong Talago Laweh Nagari Sulit Air Solok Sumatera Barat Umar, Zukarnaini; Mukharrom, Miftakhul; Putri, Lidiya
Al Barakat Vol 5 No 2 (2025): Al Barakat: Jurnal Kajian Hukum Ekonomi Syariah
Publisher : Program Studi Hukum Ekonomi Syariah (Muamalah)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/jab.v5i2.310

Abstract

The implementation of fruit sales in Jorong Talago Laweh, Nagari Sulit Air, Solok, West Sumatra, uses a weight cutting system, price rounding, ijon (forward sale), or bulk purchase system. In the weight cutting system, there is a reduction of 5% to 30% for every weighing of 100 kg by the buyer. This study employs observational research through surveys, collecting data directly from the population/respondents by conducting interviews and distributing questionnaires as data collection tools. After collecting the data, it is processed to draw conclusions using inductive methods. This study is descriptive, explaining in clear and detailed sentences. The implementation of fruit sales in Jorong Talago Laweh, Nagari Sulit Air, Solok, West Sumatra, constitutes a form of sale that is not permissible and is invalid under the ijon system. The weight cutting of the fruit is deemed detrimental to one party. The implementation of fruit sales in Jorong Talago Laweh, Nagari Sulit Air, Solok, West Sumatra, using the ijon (bulk) system and weight cutting contains elements of gharar (uncertainty) and involves a fasid (invalid) contract, as it contradicts the ethical principles of buying and selling in Islam. It also represents a high-risk business practice, as stipulated in Article 8, Paragraph (3) of Law Number 2 of 1960 on Profit-Sharing Agreements, which states: “Payments by anyone, including owners and cultivators, to cultivators or owners in any form that includes ijon elements are prohibited.” Furthermore, the practice occurring in fruit sales transactions with the ijon system in Jorong Talago Laweh, Nagari Sulit Air, does not align with the principles of maslahah (public interest) due to its lack of benefits in the ijon trading activities.
Pengembangan Pemikiran Tentang Biaya Tambahan Restrukturisasi terhadap NPF (Non Performing Financing) Pembiayaan Murabahah Fadhil, Fakhry; Mukhlas, Oyo Sunaryo; Hakim, Atang Abdul
Al Barakat Vol 5 No 2 (2025): Al Barakat: Jurnal Kajian Hukum Ekonomi Syariah
Publisher : Program Studi Hukum Ekonomi Syariah (Muamalah)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/jab.v5i2.317

Abstract

Rescheduling in murabahah financing in Islamic banking as well as the legal basis for the enactment of additional fees based on the DSN-MUI fatwa. Rescheduling is one of the restructuring instruments that aims to provide leeway for customers who have difficulty paying obligations. However, it is different from the provisions of POJK No.11/POJK.03/2015 that there are no additional fees. The results of the research that the basis of this DSN fatwa can be traced through the ʿillat of the law of fiqh muamalah. First, the rule of al-ghurm bil-ghunm emphasizes that every profit must be in line with the risk or cost, so it is natural that the customer who wants to change the contract also bears the costs incurred. Second, the rule of al-masyaqqah tajlibut-taysir shows that difficulties bring convenience, where rescheduling is a form of relief so that customers avoid default, but the convenience still requires compensation for the administrative and legal consequences that arise. Third, it emphasizes the difference between riba and ujrah, where additional costs are interpreted as transparent real cost recovery, not speculative additions. Fourth, from the perspective of maqāṣid al-sharīʿah, this ability reflects the principles of justice (al-ʿadālah) and benefit (al-maṣlaḥah), so that there is no unilateral loss for the bank or the customer.
التمويل العقاري بصيغة الاستصناع في بيت المال والتمويل: شركة الأرباح كونجي ماجو كوننجان أنموذجا Muchtar, Subhanallah; Tinggi Hari, Zulnan
Al Barakat Vol 5 No 2 (2025): Al Barakat: Jurnal Kajian Hukum Ekonomi Syariah
Publisher : Program Studi Hukum Ekonomi Syariah (Muamalah)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/jab.v5i2.321

Abstract

يهدف هذا البحث إلى بيان حكم التمويل العقاري بصيغة الاستصناع الذي يمارسه بيت المال والتمويل في معاملته مع زبناءه وفي شركة الأرباح كونجي ماجو كوننجان أنموذجا. بدأ البحث بدراسة تعريف الاستصناع ومشروعيته، والفرق بين الاستصناع وبين السلم والاستصناع الموازي، وبيان صيغة الاستصناع التي يمارسها بيت المال والتمويل عموما وشركة الأرباح خصوصا في تمويل العقار. ثم تناول حكم التمويل العقاري في شركة الأرباح كونجي ماجو. ينهج البحث بمنهج الاستقرائي لجمع المعلومات المراد دراستها، ومنهج الحوار والمقابلة الشخصية لمعرفة صيغ التمويل العقاري بصيغة المرابحة في وشركة الأرباح كونجي ماجو كوننجان، والمنهج التحليلي والوصفي للتحليل والتوصيف هذه الصيغة وحكم هذه المعاملة. وتوصل إلى أن التمويل العقاري بصيغة الاستصناع في شركة الأرباح كونجي ماجو كوننجان له مميزات خاصة من تطبيقات بيوت المال والتمويل عموما، حيث أن شركة الأرباح لا توكل عميله لشراء مواد البناء، ولكن تتولى بنفسها لشراء مواد البناء وتستلمه في مكان المشروع، وتتولى بناء المشروع من أوله إلى نهايته في صيغة الاستصناع الأصلي، وفي الاستصناع الموازي كما غيرها من الصيغ المعروفة لدى المؤسسات المالية. ومن هنا يظهر أن العقد المطبق في هذا التمويل هو عقد الاستصناع الأصلي والاستصناع الموازي. ورغم أن الباحث يرى أن الأفضل هو الاستصناع بسعر نقد في آخر المشروع مع الربح، لا بالتقسيط الذي طبقته شركة الأرباح وغيرها من بيوت المال والتمويل، وكان الثمن بالتقسيط أكثر من ثمنه بالنقد، ولكن يرى الباحث أن تمويل العقار في شركة الأرباح يعد أحد الحلول لمشكلة المجتمع في توفير حاجتهم للبيت أو تجديه، لعدم الغرر فيه ولا الغرامة المالية التأخرية، وأن نسبة الربح تحسب من جملة الدين بعد العربون لا من جميع الدين.
Implementasi Akad Qardh dalam Program Baznas Microfinance Masjid di DKM Masjid Syiarul Islam Kuningan Mualim, Mualim; Matangaji, Amaludin; Ramadhan, Ahmad Ali
Al Barakat Vol 5 No 2 (2025): Al Barakat: Jurnal Kajian Hukum Ekonomi Syariah
Publisher : Program Studi Hukum Ekonomi Syariah (Muamalah)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/jab.v5i2.336

Abstract

The BAZNAS Microfinance Mosque Program, organized by the Mosque Prosperity Council (DKM) of Syiarul Islam Kuningan, focuses on community economic empowerment through the provision of interest-free loans to micro-entrepreneurs. Its primary objective is to assist business actors who struggle to access capital by offering repayable loans according to their financial capacity, without any interest burden. However, the implementation of the qardh contract in this program and its compliance with Islamic law have not been thoroughly examined. This study aims to explore the implementation of the qardh contract and analyse it from the perspective of Islamic jurisprudence. The research uses a qualitative research method with a field research approach, with a semi-structured interview method. Data analysis techniques involve reduction, presentation, and conclusion drawing. The results show that the program applies the qardhul hasan contract as an interest-free business capital loan. Its implementation includes selection, verification, mentoring, and the productive and sustainable distribution of zakat funds, achieved through collaboration between the mosque and zakat institutions. Key findings highlight the use of qardhul hasan without interest or additional fees, accompanied by recommendations for voluntary infaq during repayments. When repayment issues arise, a persuasive approach is adopted through direct communication, payment restructuring, and flexible deadlines. From the standpoint of Islamic law, this practice aligns with sharia principles, including the fulfilment of the pillars and conditions of the akad (contract), the voluntary nature (antaradhin) of the recommended infaq, its freedom from riba (usury), and the resolution mechanisms that reflect the values of taawun (mutual assistance) and justice, as outlined in the Qur'an and Hadith.
Implementasi Akad Qardh pada Transaksi Utang Piutang di Bank Sedekah Nurul Falah Al-Mubarok Kabupaten Bekasi Agustine, Hendra Karunia; Mashudi, Yudi; Fadiyah, Afifatul
Al Barakat Vol 5 No 2 (2025): Al Barakat: Jurnal Kajian Hukum Ekonomi Syariah
Publisher : Program Studi Hukum Ekonomi Syariah (Muamalah)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/jab.v5i2.337

Abstract

Sedekah Nurul Falah Al-Mubarok Bank appeared to provide account receivable transaction facilities based on qardh agreement sourced from the alms funds of its members. However, there are issues regarding the suitability of the agreement used with sharia principles. This study aims to determine and analyze the implementation of the qardh agreement in account receivable transaction at Nurul Falah Al-Mubarok charity bank in Bekasi regency based on the principles of Islamic law (fiqh muamalah). The method used was a qualitative approach with a case study. The main sources of data and information were obtained through in-depth interviews with administrators, members, foundation advisors, and religious leaders. The results of this study showed that this charity bank applies the concept of "from members, by members, for members," which is in line with the principle of al-Muslimuna Ala Syurutihim. The mechanism of account receivable transaction includes loan applications by members, installment agreements, and relief policies in the form of extensions or write-offs for members who experience difficulties. Funds are collected using a tabarru agreement, while the implementation of the qardh agreement consists of three stages, namely Completing the administration, The qardh agreement process, The loan repayment process. The results of the study showed that the practice of qardh agreement in account receivable transactions at this charity bank has generally fulfilled its pillars and requirements and avoids any additional costs (interest) on repayment, thus indicating that the qardh agreement applied is free from elements of maisir, gharar, and riba because it is in accordance with Islamic law and has been determined to be in accordance with sharia rules in the fatwa of the Indonesian Ulema Councils National Sharia Board (DSN-MUI) No. 19/DSN-MUI/IV/2001 concerning Al-Qardh.

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