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Al-Hiwalah : Journal Syariah Economic Law
Published by Institut Agama Islam Negeri Lhokseumawe
ISSN : -     EISSN : 29630304     DOI : https://doi.org/10.47766/alhiwalah
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice
Jurnal Hukum Ekonomi Syariah (Online/ elektronik) yaitu jurnal ilmiah peer review yang fokus menyebarluaskan hasil penellitian di bidang Fikih, Hukum Ekonomi Islam, Fiqh Muamalah, dan Ekonomi Syariah. Jurnal ini diterbitkan oleh Jurusan Hukum Ekonomi Syariah Fakultas Syariah Institut Agama Islam Negeri Lhokseumawe bekerjasama dengan Rumah Jurnal LPPM IAIN Lhokseumawe.
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 92 Documents
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Unauthorized Sale of Motorcycles with Outstanding Installments: A DSN-MUI Fatwa and Maslahah Mursalah Analysis Dimas Muhammad Hanief Arkaan; Ahmad Imam Hambali; Dessy Asnita; Warda Said; Muhammad Dakhlan Gazali
Al-Hiwalah: Journal of Sharia Economic Law Vol. 5 No. 2 (2026): Al-Hiwalah : Journal Syariah Economic Law
Publisher : Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/al-hiwalah.v5i2.7908

Abstract

The sale and purchase of motorcycles with bad credit is a transaction that does not include the Motor Vehicle Owner's Book (BPKB), commonly known as buying and selling motorcycles with only STNK standards. A small group of Muslims in Surakarta practice this to combat usury and follow the teachings of amar ma'ruf nahi munkar. The goal is to protect small communities (debtors), which are often treated unfairly by debt collectors who violate legal procedures. In response to this behavior, members of the Muslim community formed an anti-usury movement with the aim of abolishing the usury system. This system includes the application of interest on loans and penalties for late payment. The target of this practice is the lender or leasing company, which occurs when the debtor intentionally stops paying credit installments on the motorcycle purchased through leasing and then sells it to another party without the knowledge of the leasing company. The aim of this study is to investigate the purchase and sale of bad credit motorcycles in Surakarta city with reference to the Fatwa DSN and relevant positive laws. The research conducted is descriptive and qualitative and utilizes a sociological approach. The data were collected through observation, interviews, and documentation. The results indicate that the sale and purchase of motorcycles with bad credit in Surakarta violates several rules, as reviewed by the National Sharia Council Fatwa. The buying and selling of motorcycles with bad credit involves the transaction of goods owned by others, which scholars refer to as a fudhulli transaction. However, in Surakarta, the sale and purchase of motorcycles include an element that can harm the contract, namely, the borrower's negative intention to default on payment. This goes against the principles of mashlahah walmursalah.
An Analysis of the River Fishermen Profit-Sharing System: Based on the Perspective of Fiqh Muamalah in Kampung Rakyat District, South Labuhan Batu Regency Masleni Nasution; Tuti Anggraini; Waizul Qarni
Al-Hiwalah: Journal of Sharia Economic Law Vol. 5 No. 2 (2026): Al-Hiwalah : Journal Syariah Economic Law
Publisher : Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/al-hiwalah.v5i2.8118

Abstract

Abstract: The river fishing sector serves as a primary economic pillar for the community in Kampung Rakyat District, South Labuhanbatu Regency; however, profit-sharing practices between boat owners and hired fishermen (crew members) face structural challenges regarding the lack of clarity and inequity in profit distribution. This study aims to examine the profit-sharing mechanisms employed by these river fishermen and analyze their alignment with the principles of fiqh muamalah (Islamic commercial law) and maqashid sharia (the objectives of Sharia). A descriptive qualitative approach was adopted, utilizing data collected through in-depth interviews, field observations, and documentation involving six crew members and three boat owners as key informants, with source triangulation employed to ensure data validity. The findings reveal that the prevailing profit-sharing system relies on verbal agreements rather than clear written contracts, characterized by limited transparency regarding operational cost calculations, fish pricing and sales data, and the determination of profit-sharing ratios between capital owners and workers. From the perspective of fiqh muamalah, these practices contain elements of gharar (uncertainty) and fail to fully satisfy contractual requirements concerning the clarity of the object, fairness, and the mutual consent of the parties involved. Furthermore, maqashid sharia values specifically hifdz al-mal (preservation of wealth) and hifdz al-nafs (preservation of life/well-being) are not optimally realized due to inadequate protection of the crew members' economic rights and livelihood sustainability. These findings underscore the need to strengthen contract governance within the economic practices of coastal and riverine communities. The study recommends the implementation of formal written contracts, mechanisms for transparency regarding costs and sales proceeds, and institutional support from local governments and Sharia financial institutions to foster profit-sharing practices that are fairer, more transparent, and compliant with Sharia principles.

Page 10 of 10 | Total Record : 92

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