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INDONESIA
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah
Published by Universitas Islam Negeri Ar-Raniry Banda Aceh
ISSN : 26550555     EISSN : 2829193X     DOI : https://doi.org/10.22373/iqtishadiah
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice
FOCUS Al-Iqtishadiah : Jurnal Hukum Ekonomi Syariah This journal focused on Islamic Economic law and present developments through the publication of articles, research reports, and book reviews. SCOPE Al-Iqtishadiah : Jurnal Hukum Ekonomi Syariah specializes on Islamic Economic law , and is intended to communicate original research and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 97 Documents
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FEE SYSTEM ANALYSIS AND ITS DISPARITY UNDER BSI SMART AGENT SERVICES IN THE SAMSARAH PERSPECTIVE Bismi Khalidin; Alfi Zahara
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol 3 No 2 (2022): Jurnal Al-Iqtishadiah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (201.449 KB) | DOI: 10.22373/iqtishadiah.v3i2.2393

Abstract

The agreement of the two parties in entering into an agreement is part of the legal requirements for the validity of the agreement. The purpose of this study is to determine the fee rate determined by BSI management, the fee disparity set by BSI Smart Agent management with similar services, and the perspective of the samsarah contract on fee levels and their disparities with similar services. This research explores a descriptive method and the data was collected through interviews and documentation. The study found that, based on data analysis in the agreement, BSI management has arranged systematically and clearly regarding the level of fees in which the agent will receive. In the agreement, it is stated that the agent must comply with all the conditions set. The fee disparity occurs because BSI management has set rules for fee rates but the agent does not understand the rules that have been approved and ratified by both parties, in which this action causes the contract requirements not to be fulfilled. This study concludes that in reality there is a problem in the implementation of the samsarah contract carried out by the agent, namely applying a different fee system from the contents of the agreement without the consent of both parties
PERHITUNGAN KLAIM JAMINAN HARI TUA PADA BPJS DALAM PERSPEKTIF AKAD KAFALAH Aulil Amri; Nurma Yunita
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol 4 No 1 (2023): Jurnal Al-Iqtishadiah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/iqtishadiah.v4i1.2875

Abstract

The Old Age Guarantee Program (JHT) is one of the BPJS programs. JHT has a benefit value that can be claimed by former employees. In practice, the calculation of JHT claims must be in accordance with the BPJS policy. When viewed from Islamic law, the guarantee is called kafalah. However, in the kafalah contract, the calculation of JHT claims and the value of the benefits has gaps that are not in accordance with Islamic law. This thesis is focused on answering three important things, 1) How is the calculation on the BPJS policy regarding JHT for PT IMARA employees. 2) What are the benefits received by former employees of PT IMARA on JHT claims. 3) What is the perspective of the kafalah contract on the calculation of claims and the value of JHT benefits for employees at BPJS PT IMARA. This research is a qualitative research that is descriptive analysis with a sociological normative approach, where the data obtained comes from observations and interviews. The results of the study show that, first, the calculation of old age security claims is a combination of the basic salary and fixed allowances reported by PT IMARA to BPJS Ketenagakerjaan. The amount of JHT contributions for participants receiving wages is 5.7% of income, with details of 3.7% being borne by the company and 2% being borne by the employee himself which is deducted from the salary. Second, the benefits of JHT are in the form of cash, the amount of which is the accumulated value of the contributions plus the results of the development. Third, the calculation of JHT claims and JHT benefits in the perspective of the kafalah contract that is applied to PT IMARA when viewed from the pillars of kafalah is in accordance with the Shari'a. However, under the terms of the kafalah contract, this is contrary to the Shari'a because the contributions of BPJS participants are developed by placing them in several portfolios, including conventional bank deposits or bonds based on interest loans. In the development of claims there is also a 5% interest where the interest follows the BI Rate system.
MAQASID SYARIAH REVIEW OF KOTA BANDA ACEH QANUN NUMBER 3 OF 2021 CONCERNING PARKING SERVICE FEES ON THE EDGE OF PUBLIC ROADS Muhammad Yudi Akbar; Jabbar Sabil
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol 4 No 1 (2023): Jurnal Al-Iqtishadiah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/iqtishadiah.v4i1.2926

Abstract

Based on Qanun Number 3 of 2021, The Kota Banda Aceh Government set new tariffs at several locations to increase local revenue. This qanun inspired the writer to examine the policy based on the maqāṣid al-syarī'ah review. This study is a normative legal research that uses maqāṣid as its approach. The author performs tarjih maslahat through four steps to test the validity of maqāṣid al-khalq. This study found that the Kota Banda Aceh Government has not improved the management of parking fees, so local revenue is not optimal. From the perspective of maqāṣid al-syarī‘ah, if optimizing parking management is not carried out first, then the rate increase is tertiary (al-maqāṣid al-taḥsīniyyāt). Based on the analysis of tarjih maslahat, the tertiary benefits should not undermine secondary benefits. In addition, the new parking rate policy has more dominant mafsadat effects than maslahat because management has not optimally prevented fraud. This study concluded that resisting damage is more important than realizing benefits. Thus, in this policy, there is a conflict between maqāṣid al-khalq and maqāṣid al-syarī'ah.
SUBSIDIZED FERTILIZER RETAILERS' COMPLIANCE WITH GOVERNMENT PRICING FROM TAS'IR AL-JABARI'S PERSPECTIVE Faisal Yahya; Intan Nadia Afrina
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol 4 No 1 (2023): Jurnal Al-Iqtishadiah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

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Abstract

Kepatuhan merupakan suatu tindakan untuk mematuhi, patuh terhadap perintah, larangan, atau peraturan yang ditentukan. Pengecer pupuk bersubsidi di Kecamatan Mutiara Kabupaten Pidie menjual harga pupuk di atas harga enceren tertinggi yang telah ditetapkan oleh pemerintah. Penelitian itu bertujuan menemukan factor-faktor yang menjadikan pengejer pupuk bersubsidi di Kecamatan Muatiara Kabupaten Pidie tidak patuh terhadap harga enceran tertinggi tersebut serta apakan penetapan harga oleh pemerintah sesuai dengan konsep tas’ir al-jabari. menjawab tujuan tersebut digunakan teori kepatuhan Thomas Blass yaitu factor individu, kepribadian dan lingkungan. Data-data penelitian diperoleh melalui wawancara dan analisis dokumentasi terhadap beberapa toko pengecer pupuk subsidi di kecamatan Mutiara kabupaten Pidie. Hasil penelitian menunjukkan ketidak patuhan pengecer lebih disebabkan kepada faktor lingkungan dan kepribadian seperti petani membeli pupuk secara tidak tunai dan membeli dengan eceran di bawah satu sak sehingga menambah biaya operasioanal pengecer pupuk. Secara mekanisme penetapan harga pupuk bersubsidi di Kecamatan Mutiara masih sejalan dengan tujuan tas’ir al-jabari yakni untuk menstabilkan harga. Kepada pemerintah harap lebih memperhatikan factor-faktor lingkungan dalam menetapkan harga sehingga terwujudkan keadilan ekonomi pada masyarakat petani.
DISPARITAS PIDANA PUTUSAN HAKIM TERHADAP DELIK PENCURIAN DENGAN PEMBERATAN Badri Hasan; Viera Ameilia
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol 4 No 1 (2023): Jurnal Al-Iqtishadiah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

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Abstract

Disparitas pidana merupakan penerapan pidana yang tidak sama terhadap tindak pidana yang sama atau terhadap tindak pidana yang sifat berbahayanya dapat diperbandingkan, tanpa dasar pembenaran yang jelas. Disparitas pidana tanpa dasar pembenaran yang jelas tidak sejalan dengan asas dalam Undang-Undang Nomor 11 Tahun 2012 Tentang Sistem Peradilan Pidana Anak pada Pasal 2 Huruf (c) yaitu asas nondiskriminasi yang merupakan sebagai salah satu pelaksanaan dari sistem peradilan pidana anak. Sehingga tujuan dari penelitian ini adalah untuk mengetahui penerapan hukum pidana materil dan bagaimana disparitas pidana putusan hakim terhadap delik pencurian dengan pemberatan yang terjadi pada Putusan Nomor 6/Pid.Sus-Anak/2020/PN Bna dan Putusan Nomor 17/Pid.Sus-Anak/2019/PN Bna. Metode yang digunakan dalam skripsi ini adalah metode penelitian hukum normatif empiris yang didukung dengan data lapangan, dengan teknik pengumpulan data diperoleh dengan cara studi dokumen dan wawancara. Hasil dari penelitian ini menunjukkan bahwa penerapan hukum pidana materil terhadap delik pencurian dengan pemberatan pada Putusan Nomor 6/Pid.Sus-Anak/2020/PN Bna dan Putusan Nomor 17/Pid.Sus-Anak/2019/PN Bna, para terdakwa anak telah terpenuhinya semua unsur dalam Pasal 363 Ayat (1) ke-4 KUHPidana Jo Undang-Undang Nomor 11 Tahun 2012 Tentang Sistem Peradilan Pidana Anak. Namun dalam penjatuhan putusan pidana oleh hakim pada Putusan Nomor 6/Pid.Sus-Anak/2020/PN Bna, menurut penulis belum sesuai dengan ketentuan dalam Pasal 80 Ayat (3) Undang-Undang No. 11 tahun 2012 tentang Sistem Peradilan Pidana Anak, dan Putusan Nomor 17/Pid.Sus-Anak/2019/PN Bna, belum sesuai dalam ketentuan Pasal 81 Ayat (1), dan (5) Undang-Undang No. 11 tahun 2012 tentang Sistem Peradilan Pidana Anak. Kemudian disparitas pidana yang terjadi pada Putusan Nomor 6/Pid.Sus-Anak/2020/PN Bna dan Putusan Nomor 17/Pid.Sus-Anak/2019/PN Bna, terdapat pembenaran yang jelas yakni pertama adanya pertimbangan hakim terhadap unsur-unsur yang didakwakan (Pasal 363 Ayat (1) ke-4 KUHPidana) terhadap kesesuaian unsur-unsur tersebut terdapat perbedaan dari segi umur pelaku anak, jenis barang yang diambil, waktu kejadian, jumlah kerugian dan cara yang dilakukan para terdakwa anak dalam mengambil barang, perbedaan dalam unsur dimiliki secara melawan hukum, perbedaan dalam unsur dilakukan oleh 2 (dua) orang atau lebih, kemudian yang kedua adanya pertimbangan hakim terhadap rekomendasi pembimbing kemasyarakatan dalam Laporan Penelitian Kemasyarakatan (LITMAS), dan yang terakhir adanya pertimbangan hakim terhadap keadaan yang memberatkan dan meringankan anak. Sehingga terjadilah disparitas pidana. Dan disparitas pidana ini terdapat pembenaran yang jelas sehingga tidak menyalahi asas nondiskriminasi.
BENTUK-BENTUK PERLINDUNGAN NEGARA Muhadi Khalidi; Arifin Abdullah
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol 4 No 1 (2023): Jurnal Al-Iqtishadiah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

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Abstract

The study of sharia economic law examines how the state can protect and promote shariaeconomic principles in its legal system. This abstract discusses several forms of stateprotection that can be applied in the context of sharia economic law. These forms ofprotection include the application of laws and regulations governing the principles ofIslamic economics, the establishment of a special supervisory institution to oversee Islamiceconomic activities, the granting of certification and accreditation to Islamic financialinstitutions and their products and services, efforts to increase public understandingthrough education and awareness programs. , consumer protection in sharia economictransactions, as well as providing incentives and support to the sharia economic sector.This form of state protection aims to ensure that the Islamic economy operates inaccordance with its principles and provides guarantees to the public regarding thelegitimacy and fairness of economic transactions. However, it should be noted that the formof state protection in sharia economic law can vary depending on the context of the countrythat applies it.
THE CONCEPT OF TAX IN THE PERSPECTIVE OF ABU UBAID Armiadi Musa; Irawati Binti Ilyas; Bismi Khalidin
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol 4 No 1 (2023): Jurnal Al-Iqtishadiah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

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Abstract

This article examined if the implementation of tax policies in Indonesia adopts the Islamic concepts or not. In doing so, the article refers to Ubaid’s concepts on tax collection as advocated in the Islamic community. The main concern of the article was at exploring realities and practices during the implementation of tax policies to the Indonesian citizens, which in turns affecting the Muslim societies as well. This inquiry was explored usingqualitative method, in which the socio-economics approach was used as the basis of analysis. The data was collected using interviews of reputable figures in the field of Islamic economics and tax policies. The research findings disclosed that the Indonesian tax policies have partially adopted the Ubaid’s concepts on tax collection. In term of legal sources, the Indonesian tax policies have fully referred to the Indonesian tax law, and few of them have similarities with Ubaid’s concepts of the tax collection.
PENETAPAN PEMUNGUTAN TARIF RETRIBUSI PADA NYAK-NYAK PEDAGANG KAKI LIMA MENURUT KONSEP AL-ḤAJR : (Studi Kasus Pada Pasar Peunayong Banda Aceh). Amar, Arafat Mursyid
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 1 (2021): Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/iqtishadiah.v2i1.1374

Abstract

PERKONGSIAN USAHA PEMBUATAN REUNCONG DI KALANGAN MASYARAKAT GAMPONG BAET MESJID DAN BAET LAMPEOT DALAM PERSPEKTIF SYIRKAH ABDAN Roza Phonna, Ade; Yusran Hadi, , Muhammad; Jihad, Azka Amalia
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 1 (2021): Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/iqtishadiah.v2i1.1377

Abstract

PERTANGGUNGAN RISIKO PINJAMAN ONLINE SYARIAH PADA LENDER DI PT INVESTREE RADHIKA JAYA DALAM PERSPEKTIF AKAD WAKALAH BI AL-UJRAH Syuda, Aulannisa; Khalidin, Bismi; Erianti, Nahara
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 1 (2021): Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/iqtishadiah.v2i1.1378

Abstract

Investree merupakan salah satu platform yang menyediakan layanan pinjaman online, tidak hanya semua masyarakat bisa meminjam, mereka juga dapat memberikan pinjaman dengan keuntungan imbal hasil di platform ini. Pada penelitian ini, penulis tertarik untuk mengkaji bagaimana pertanggungan risiko pada pinjaman online syariah di PT. Investree Radhika Jaya dalam perspektif akad wakalah bi al-ujrah. Kajian ini bertujuan untuk mengetahui bagaimana mekanisme pertanggungan risiko pinjaman online syariah pada lender di PTInvestree Radhika Jaya, dan bagaimana perspektif akad wakalah bi al-ujrah terhadap mekanisme pertanggungan risiko pinjaman online syariah pada lender di PT Investree Radhika Jaya. Jenis metode penelitian yang dilakukan pada karya ilmiah ini menggunakan metode deskriptif analisis dengan pendekatan normatif. Pertanggungan risiko di Investree, risiko tertanggung pada lender selaku muwakil yang mempercayakan Investree sebagai wakilnya. Namun hal tersebut hanya lender yang akan menanggung segala risiko yang terjadi maka penelitian ini akan fokus dalam memahami apakah pertanggungan risiko yang ditetapkan sudah sesuai dengan pertanggungan risiko pada akad wakalah bi al-ujrah.

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