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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 98 Documents
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ANALISIS PUTUSAN HAKIM NO. 319/PDT.G/2017 PADA GUGATAN WANPRESTASI UNTUK PELAKSANAAN KONTRAK MURABAHAH BI AL-WAKALAH : Di Mahkamah Syar’iyah Kota Banda Aceh Maulana, Muhammad
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2024): 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.v5i1.4620

Abstract

Penerapan murabahah bi al-wakalah yang dilakukan oleh bank BRI Syariah cabang Banda Aceh telah menimbulkan persengketaan disebabkan pihak nasabah tidak menerima sepenuhnya perwakilan untuk pembelian rumah yang telah diwakalahkan pada akad pembiayaan. Hal tersebut telah menimbulkan konflik antara pihak bank, nasabah dan developer terjadi permasalahan. Adapun tujuan penelitian skripsi ini yaitu untuk meneliti pendapat hakim Mahkamah Syar’iyah Kota Banda Aceh putusan No.319/Pdt.G/2017 dalam menolak gugatan pengggugat dan juga menolak eksepsi tergugat, serta menganalisis pertimbangan hakim dalam gugatan wanprestasi pada pembiayaan murabahah bi al-wakalah pada BRI Syariah KCP Banda Aceh. Untuk mendapatkan data yang objektif serta valid, penulis menggunakan desain penelitian dengan pendekatan yuridis normatif, jenis penelitiannya kualitatif (qualitative research), secara eksklusif (content analysis) dan teknik pengumpulan data melalui dokumentasi. Hasil dari penelitian penulis yaitu pada proses persidangan majelis hakim Mahkamah Syar’iyah Kota Banda Aceh menolak gugatan tergugat disebabkan tidak terbukti pihak tergugat melakukan wanprestasi dan secara tegas menolak seluruh tuntutan pihak penggugat atas perjanjian pembiayaan murabahah bi al-wakalah telah dilaksanakan sepenuhnya oleh pihak tergugat, dan seluruhnya sesuai dengan kesepakatan yang dimuat dalam perjanjian tersebut. Namun dalam putusan ini ada bagian yang tidak terungkap terutama pada alasan pihak tergugat yang secara langsung telah menyalurkan pembiayaan tahap kedua kepada pihak developer seharusnya berdasarkan akad perjanjian pencairan tahap kedua tersebut tetap harus dilakukan pihak nasabah debitur. Dengan demikian putusan yang dibuat majelis hakim ini masih perlu ditinjau ulang terutama mengungkap fakta terjadinya pentransferan dana tahap kedua langsung kepada pihak developer sebelum rumah yang diorder nasabah debitur selesai dibangun dan diserahkan kepada pihak penggugat.
KONTEKSTUALISASI MAKNA SENIF RIQAB DALAM PERSPEKTIF ULAMA KONTEMPORER: KONTEKSTUALISASI MAKNA SENIF RIQAB DALAM PERSPEKTIF ULAMA KONTEMPORER Musa, Armiadi
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2024): 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.v5i1.4715

Abstract

Sebagian Ulama Kontemporer seperti Mahmud Syaltut, memandang bahwa perbudakan yang dimaksudkan dalam al-Quran surat at-Taubah ayat 60, sudah tidak ditemukan lagi faktanya di dunia sekarang ini, karena itu penafsiran riqab perlu diperluas tidak hanya menyangkut pembebasan budak tetapi juga upaya membebaskan negara-negara yang masih dikuasai negara lain yang bertindak dzalim baik secara politik, ekonomi, maupun ideologis. Negara-negara seperti ini masuk dalam cengkeraman perbudakan dan mengekang kebebasan warganya yang berdampak pada aspek kemanusiaan secara global lebih mengerikan daripada sekedar perbudakan hamba sahaya. Dengan demikian terma riqab tidak lagi harus dipahami secara literal, karena riqab dalam konteks budak sudah tidak relevan lagi. Namun jika ‘illat yang ada dalam pemikiran ulama dipertimbangkan dan disesuaikan dengan keadaan sekarang, maka riqab dikontekstualisasikan pemaknaanya agar sesuai dengan kondisi sekarang. Menurut al-Qurthubi dan Muhammad Rasyid Rida, terkait membebaskan bangsa yang terjajah dengan zakat, Rasyid Rida berpendapat dibolehkan sekiranya tiada lagi keperluan untuk menebus kemerdekaan hamba sahaya secara individu. Beliau mengemukakan bahwa bagian senif riqab boleh dipergunakan untuk membantu sesuatu bangsa yang ingin melepaskan dirinya dari penjajahan, apabila tidak ada sasaran membebaskan, perorangan. Adapun Yusuf Qardhawi cenderung menyatakan bahwa tidak perlu memperluas pengertian kalimat yang madlul aslinya tidak menunjukkan demikian, sebab menolong bangsa yang sedang memperjuangkan kemerdekaannya, merupakan tanggungjawab Bersama, bukan membebankan bantuannya pada dari senif zakat. Riqab pada konteks kekinian, khususnya di Indonesia dan Malaysia dapat disamakan dengan human trafficking atau perdagangan orang., sehingga direkomendasikan kepada Lembaga-lembaga keamilan dapat membebaskan mereka dari perbudakan modern.
PRAKTIK SEWA MENYEWA PERALATAN KEMAH DALAM BINGKAI HUKUM EKONOMI SYARIAH Latifa, Latifa; Nadia, Nadia
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2024): 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.v5i1.4870

Abstract

Exploring the rental practices of camping equipment within the framework of Sharia economic law is an area that has not been extensively researched. This study aims to describe the rental practices of camping equipment at the Handy Talky and Tent Rental Outlet in Palu and to assess their compliance with the principles of Sharia business contracts. The research methodology employed is empirical, utilizing interviews and direct observation as the primary data collection techniques. This approach seeks to understand the application of law in real social interactions. The study reveals that the rental process of camping equipment at the Handy Talky and Tent Rental Outlet in Palu involves several stages, from equipment selection to the return of the items. This practice reflects the application of Sharia business contract principles such as al-Hurriyah (freedom to contract), al-Musawah (equality), al-‘Adalah (justice), al-Ridhaiyyah (mutual consent), Ash-shidiq (honesty), and al-Kitabah (written documentation). Although these principles are generally adhered to, there is a weakness in the detailed written documentation. Conversations on social media and borrower records do not cover all the essential aspects of the agreements. The study suggests that to enhance compliance with Sharia business contract principles, more comprehensive and formal written contracts are needed. This research provides valuable insights for the development of policies and business practices that are more aligned with Sharia economic law.
ANALISIS PENERAPAN BAGI HASIL TERHADAP PEMBIAYAAN UMKM OLEH PT.BPRS HIKMAH WAKILAH : Studi Fatwa DSN MUI NO: 15/DSN-MUI/IX/2000 Yahya, Faisal; Arifin, Khairul; Abdullah, Arifin; Wahyuni Muhammad, Sri
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2024): 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.v5i1.4910

Abstract

Penelitian ini berfokus pada untuk menganalisis penerapan bagi hasil terhadap pembiyaan UMKM oleh PT BPR Syariah Hikmah Wakilah Banda Aceh yang menggunakan revenue sharing sehingga berbeda dengan Fatwa DSN MUI NO:15/DSN-MUI/IX/2000. Penelitian ini menggunakan penelitian lapangan di PT BPR Syariah Hikmah Wakilah Banda Aceh dengan pendekatan yuridis empiris. Hasil dari penelitian ini ialah PT BPRS Hikmah Wakilah menerapkan mekanisme bagi hasil dalam pembiayaan UMKM dengan revenue sharing menyebabkan fluktuasi sesuai dengan pendapatan usaha nasabah. Pendekatan ini menggambarkan dinamika pembagian hasil yang terkait dengan performa pendapatan usaha nasabah. Meskipun bagi hasil ditentukan berdasarkan proyeksi keuntungan nasabah pada awal perjanjian, ada ketidaksesuaian dengan Fatwa DSN MUI No 15/DSN-MUI/IX/2000. Keberadaan nominal tetap dalam pembayaran angsuran bulanan tidak sejalan dengan prinsip ekonomi syariah yang menekankan bagi hasil berdasarkan pendapatan usaha nasabah dan persentasi yang disepakati dalam perjanjian.
Nilai Kejujuran dan Amanah dalam Ekonomi dan Bisnis Islam Qurratulaini, Intan
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2024): 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.v5i1.5240

Abstract

Kejujuran dan amanah adalah nilai transaksi terpenting dalam ekonomi dan bisnis Islam. Dalam perspektif teologis filosofis, segala aktivitas yang dilakukan terikat dengan nilai-nilai yang bersumber dengan ajaran ilahi, yaitu perilaku yang mencerminkan ketauhidan, terutama sifat jujur dan amanah. Sementara dalam perspektif teoritis filosofis jujur adalah segala aktivitas ekonomi dan bisnis sesuai dengan antara perkataan dan perbuatan, sedangkan amanah adalah mampu menjaga kepercayaan dan menghindari hal-hal yang tidak sesuai dengan Islam. Oleh karena itu, nilai jujur dan amanah dalam ekonomi dan bisnis Islam adalah sebuah keharusan dan tanggung jawab yang dimiliki oleh setiap muslim sebagai khalifah yang mengatur kehidupan di muka bumi ini agar terhindar dari kecurangan dan menyebankan kerugian bagi bagi diri sendiri dan orang lain
THE ROLE OF THE SHARIA SUPERVISORY BOARD IN MURABAHAH FINANCING: In The Mitra Niaga Sejahtera Eriyanti, Nahara; Salsabila, Tiara; Khalidi, Muhadi
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2024): 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.v5i1.5251

Abstract

One of the financial institutions that contributes effectively to channeling business capital financing in the Aceh Besar area is the Mitra Niaga Sejahtera Sharia Consumer Cooperative. This institution is supervised by the Sharia Supervisory Board which is tasked with supervising the operations and practices of LKS so that it adheres strictly to sharia principles. This article examines the murabahah financing mechanism and analyzes the extent of supervision by the Sharia Supervisory Board at the Mitra Niaga Sejahtera Sharia Consumer Cooperative regarding the financing mechanism. The research method used is qualitative research and produces data in the form of descriptive analysis. Data collection techniques use field interview techniques and documentation. The results of the author's analysis show that the initial mechanism for becoming a member/potential member of murabahah financing is by submitting an application for murabahah business capital financing with predetermined conditions, ensuring that the murabahah financing meets the target, carrying out inspections of pillars such as contracts, transacting parties, The object, purpose and benefits of the financing and the form of supervision carried out by the DPS regarding murabahah financing is conducting visits to cooperatives to check the correctness of the contracts, objects and accurate evidence, and ensuring procedures or Standard Operating Procedures (SOP) are in accordance with sharia rules. The supervisory practices carried out by DPS regarding murabahah financing in this cooperative are in accordance with the applicable supervisory mechanism because it assesses all forms of practices carried out in accordance with the applicable SOP and established by DSN as a reference. This research offers the role of DPS in each sharia financial institution after the implementation of Qanun Aceh No. 11 of 2018 concerning Sharia Financial Institutions
MODAL EKONOMI DAN MODAL SOSIAL DALAM PENGELOLAAN WAKAF: : PENDEKATAN PIERRE BOURDIEU Rusida, Desy Khoirur; Yasin, Achmad; Mustofa, Imron
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 2 (2024): 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.v5i2.5071

Abstract

Waqf has great potential to strengthen society through the distribution in an Islamic economy and the productive use of resources. Waqf is an instrument in the Islamic economy which has a significant role in the social and economic development of the people. Waqf is a gift of assets that cannot be sold, inherited or transferred ownership, which are used for the good and welfare of the community. Pierre Bourdieu is a French sociologist known for his contributions to social and cultural theory. His thinking has been very influential in various fields, including sociology, anthropology, and cultural studies. Several key concepts developed by Bourdieu include habitus, social, cultural and economic capital, and arena (field). This research analyzes the interaction between economic capital and social capital in waqf management. This research uses a qualitative methodology with a case study approach in several law enforcement agencies in Indonesia. Data collection used interviews conducted with great consideration, data analysis was carried out by applying Bourdieu's economic and social theory to identify individual behavior for each modality in Bourdieu's time management. The results of the analysis of Economic Capital and Social Capital in Waqf Management using Pierre Bourdieu's approach can include several important findings and contributions. This analysis provides a more comprehensive understanding of the complexity of waqf management, by considering the interaction between economic capital and social capital. This makes it possible to look beyond just economic or social aspects. Using Pierre Bourdieu's approach, these results illustrate the application of social theory in the context of waqf management. This shows that social theories can provide a deep understanding of the structural dynamics and interactions in Muslim societies. This conclusion has practical implications for waqf management, by providing insight into how economic and social capital influences waqf management practices. This can help waqf managers and policy makers to design more effective strategies. This analysis also contributes to the literature on waqf management, by providing a new and comprehensive perspective, these results can help in empowering communities to optimize the benefits of their waqf, as well as strengthening shared prosperity.
THE RESPONSIBILITY OF PT. PEGADAIAN SYARIAH BANDA ACEH FOR THE LOSS OF COLLATERAL OBJECT : Study of the Financial Services Authority Regulation No. 31 of 2016 on Pawnshop Business Marwah Adi Halim, Zahratun; Mawar, Sitti; Ramli, Misran
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 2 (2024): 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.v5i2.6014

Abstract

PT. Pegadaian Syariah is an alternative financing institution that provides loans based on the law of pawn, which requires the submission of movable goods as collateral from customers to PT. Pegadaian Syariah. The focus of this study is on the form of responsibility and the explanation of how PT. Pegadaian Syariah Banda Aceh resolves compensation for the loss of the pawned objects. To answer this research question, the method used is a normative juridical approach. Normative juridical is a system for selecting legal regulations, doctrines applied to provide answers to legal cases, and using a statute-based approach. The findings of this study conclude that if a case of damage or loss of collateral occurs during the pawn process, PT. Pegadaian Syariah is responsible for the damaged or lost collateral. In providing compensation, PT. Pegadaian Syariah must adhere to the provisions set out in the Pawnshop Work Procedures Handbook, which governs how compensation should be provided if the collateral is lost
PARTISIPASI MASYARAKAT DALAM LEGISLASI DI INDONESIA MENURUT KONSEP SYURA Jamhuri, Jamhuri; Farhani, Abidah
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 2 (2024): 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.v5i2.6107

Abstract

Pelaksanaan legislasi Indonesia melibatkan partisipasi masyarakat. Posisi dan kedudukan partisipasi masyarakat tersebut diakui di dalam Undang-Undang No. 12 Tahun 2011 Tentang Pembentukan Peraturan Perundang-Undangan (UUP3). Dalam perspektif Islam, peran serta masyarakat juga diakui dalam konsep syūrā. Untuk itu permasalahan yang dikaji ialah apa bentuk partisipasi masyarakat di dalam proses legislasi, serta bagaimana pelaksanaan partisipasi masyarakat dalam UUP3 menurut konsep syūrā? dan bagaimana pandangan syura terhadap legislasi di Indonesia? Kajian penelitian ini menggunakan pendekatan yuridis normatif ataupun statute approach. Hasil penelitian ini bahwa bentuk-bentuk partisipasi masyarakat dalam legislasi di Indonesia ialah partisipasi melalui organisasi, lembaga, instansi terkait melalui Rapat Dengan Pendapat Umum (RDPU), masukan secara lisan/tertulis di tiap tahapan pembentukan peraturan perundang-undangan atas nama individu dan kelompok dilakukan secara daring dan luring, melalui kegiatan konsultasi publik, RDPU, kunjungan kerja, loka karya, seminar, diskusi, melalui kegiatan konsultasi publik yang lainnya. Ditinjau menurut konsep syūrā, partisipasi masyarakat di Indonesia yang diatur dalam UUP3 sesuai dengan konsep syūrā, karena dalam syūrā serta dalam partisipasi masyarakat di Indonesia, keterlibatan masyarakat telah diakui dalam pengambilan keputusan melalui jalan syūrā/musyawarah. Dengan demikian legislasi di Indonesia sangat relevan dan sesuai dengan pembentukan hukum dalam pandangan Islam.
CHANGE OF THE FUNCTION OF GREEN OPEN SPACE (RTH) LAND INTO COMMERCIAL LAND IN GAMPONG TIBANG, SYIAH KUALA DISTRICT: According To The Concept Of Maslahah Nurjannah, Raihan; Yahya, Faisal; Akbar, Hajarul
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 2 (2024): 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.v5i2.6576

Abstract

This research aims to examine the change in the function of green open space (RTH) into commercial land in Gampong Tibang, Syiah Kuala District, Banda Aceh, based on the concept of maslahah. Changes in land function in Gampong Tibang include the conversion of RTH land into residential areas, businesses, and public facilities that conflict with the ecological function of the land. This phenomenon has a significant impact, such as decreasing environmental quality, decreasing water absorption capacity, and increasing the risk of flooding. This study uses an empirical legal approach with a descriptive qualitative analysis method. Data were obtained through interviews, observations, documentation, and literature studies. The results of the study show that there has been a change in the function of RTH in Gampong Tibang due to rapid urbanization which has encouraged the conversion of RTH in Gampong Tibang into residential and commercial areas. Although in accordance with Banda Aceh City Qanun Number 2 of 2018 and Perwal Number 13 of 2021 concerning RDTR, this change reduces water absorption capacity and increases the risk of tidal flooding. Land conversion is strictly regulated through the RTRW and RDTR, which allow changes according to their designation. However, ecological impacts and sustainability must be considered so that development continues to support environmental balance. From a maslahah perspective, this change fulfills the basic needs of society (maslahah dharuriyyah) such as housing, but still requires careful planning to ensure environmental sustainability and the long-term welfare of future generations

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