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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 47 Documents
 1   2   3   4   5 
Foreign Exchange : An Analysis of the Indonesian Ulema Council The National Sharia Council Fatwa and the Perspective of Lhokseumawe Ulema Consultative Council Members Khadafi, Muammar; Mirsal, Ilham; Rezeki, Gebrina; Yusuf, Nazaruddin
Al-Hiwalah: Journal of Sharia Economic Law Vol. 2 No. 2 (2023): 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/alhiwalah.v2i2.1947

Abstract

ABSTRAK Devisa adalah pertukaran dua jenis barang berharga atau jual beli uang dengan uang atau jual beli antar barang sejenis secara tunai, jual beli atau penukaran mata uang suatu negara dengan mata uang negara lain, misalnya rupiah dengan dollar dan lain sebagainya. Rumusannya adalah 1) Apa prinsip ideal dalam transaksi valuta asing dan relevansi fatwa Dewan Syariah Nasional. 2) Bagaimana ketentuan devisa menurut pandangan anggota Majelis Permusyawaratan Ulama Lhokseumawe. Penelitian ini termasuk penelitian lapangan yang bersifat deskriptif dan menggunakan data kualitatif. Hasil penelitian mengenai transaksi jual beli mata uang pada prinsipnya diperbolehkan dengan ketentuan sebagai berikut: a. Bukan untuk spekulasi. B.Ada kebutuhan transaksi atau untuk berjaga-jaga. C. Jika transaksi dilakukan dalam mata uang yang sama, maka nilainya harus sama dan sama dengan uang tunai. D. jika jenisnya berbeda, maka harus dilakukan dengan kurs (kurs) yang berlaku pada saat transaksi dilakukan dan secara tunai.Kedua, ketentuan devisa menurut pandangan anggota Majelis Permusyawaratan Ulama Lhokseumawe yaitu akad Al-Sharf diperbolehkan dengan ketentuan sebagai berikut: pertama, tidak untuk berspekulasi, kedua, untuk keperluan transaksi atau untuk berjaga-jaga, ketiga , jika transaksi dilakukan dengan mata uang yang sama maka Karena harus sama dan tunai sebelum kedua belah pihak berpisah dan tidak ada syarat khiyar, keempat, jika berbeda jenis maka harus dilakukan dengan kurs di berlaku pada saat transaksi dilakukan secara tunai. nilainya harus sama dan sama dengan uang tunai. D. jika jenisnya berbeda, maka harus dilakukan dengan kurs (kurs) yang berlaku pada saat transaksi dilakukan dan secara tunai.Kedua, ketentuan devisa menurut pandangan anggota Majelis Permusyawaratan Ulama Lhokseumawe yaitu akad Al-Sharf diperbolehkan dengan ketentuan sebagai berikut: pertama, tidak untuk berspekulasi, kedua, untuk keperluan transaksi atau untuk berjaga-jaga, ketiga , jika transaksi dilakukan dengan mata uang yang sama maka Karena harus sama dan tunai sebelum kedua belah pihak berpisah dan tidak ada syarat khiyar, keempat, jika berbeda jenis maka harus dilakukan dengan kurs di berlaku pada saat transaksi dilakukan secara tunai. nilainya harus sama dan sama dengan uang tunai. D. jika jenisnya berbeda, maka harus dilakukan dengan kurs (kurs) yang berlaku pada saat transaksi dilakukan dan secara tunai.Kedua, ketentuan devisa menurut pandangan anggota Majelis Permusyawaratan Ulama Lhokseumawe yaitu akad Al-Sharf diperbolehkan dengan ketentuan sebagai berikut: pertama, tidak untuk berspekulasi, kedua, untuk keperluan transaksi atau untuk berjaga-jaga, ketiga , jika transaksi dilakukan dengan mata uang yang sama maka Karena harus sama dan tunai sebelum kedua belah pihak berpisah dan tidak ada syarat khiyar, keempat, jika berbeda jenis maka harus dilakukan dengan kurs di berlaku pada saat transaksi dilakukan secara tunai. itu harus dilakukan dengan kurs (kurs) yang berlaku pada saat transaksi dilakukan dan secara tunai.Kedua, ketentuan devisa menurut pandangan anggota Majelis Permusyawaratan Ulama Lhokseumawe yaitu akad Al-Sharf diperbolehkan dengan syarat: pertama, tidak untuk spekulasi, kedua, untuk keperluan transaksi atau untuk berjaga-jaga, ketiga , jika transaksi dilakukan dengan mata uang yang sama maka nilainya harus sama dan tunai sebelum kedua belah pihak berpisah dan tidak ada syarat khiyar, keempat, jika berbeda jenis maka harus dilakukan dengan kurs di berlaku pada saat transaksi dilakukan secara tunai. itu harus dilakukan dengan kurs (kurs) yang berlaku pada saat transaksi dilakukan dan secara tunai. Kedua, ketentuan devisa menurut pandangan anggota Majelis Permusyawaratan Ulama Lhokseumawe yaitu akad Al-Sharf diperbolehkan dengan syarat: pertama, tidak untuk berspekulasi, kedua, untuk keperluan transaksi atau untuk berjaga-jaga, ketiga , jika transaksi dilakukan dengan mata uang yang sama maka nilainya harus sama dan tunai sebelum kedua belah pihak berpisah dan tidak ada syarat khiyar, keempat, jika berbeda jenis maka harus dilakukan dengan kurs di berlaku pada saat transaksi dilakukan secara tunai.
The Concept of Profit In Syirkah Al-‘Inān Islamic Economic Perspective: Study at People's Banks Ipoh, Perak Malaysia Junaidy, Athailah; Ikbal, Muhammad; Zulhamdi, Zulhamdi
Al-Hiwalah: Journal of Sharia Economic Law Vol. 2 No. 2 (2023): 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/alhiwalah.v2i2.1948

Abstract

This research is about studying the concept of "advantages of syirkah al-inan from the perspective of the Islamic Economic System". To achieve the above objectives, the author applied the following methodology in his research: Collecting data/information from a number of libraries and institutions; Field studies by studying Bank Rakyat data to add the information needed. The interview method is used to conduct interviews with respondents who are directly involved with the research topic, for example Managers and Sharia Administrators at the bank; and Relying on the Al-Quran, Hadith, opinions of Ulama whose opinions have been embedded in famous books and studies carried out by contemporary Islamic thinkers. Based on this research, the author is able to understand the concept of profit in syirkah al-Inan from an Islamic economic perspective. The author found that musyarakah or syirkah is a form of cooperation between two or more people to carry out a business or activity motivated by profit. Musyarakah is an instrument offered by Bank Rakyat. Therefore, this research will describe the problem of syirkah al-inan from the perspective of Islamic law and its application, especially at Bank Rakyat and conclude whether the concept used is in accordance with Islamic sharia or not. If we observe the opinions of the schools of thought we find that there are two main concepts in profit sharing. Based on the Syafie school of thought, profit sharing is based on the ratio of capital injected by partners. The second profit sharing concept is based on what has been previously agreed without reference to the ratio of capital injected. The second concept is based on the Imam Hanafi school of thought. Based on observations made, it was found that Bank Rakyat has implemented the Islamic Sharia Banking concept, especially in the problem of profit distribution in its musyarakah products. Therefore, the issue of profit sharing is very important not only as an index to determine the success or failure of a partnership, but also as a benchmark that the targeted profits for the company have been achieved. Therefore, the model used in sharing profits based on sharia requires a clear response and never fails. The author hopes that this research can become a useful guide for society
Analysis of Car Rental Practices According to Law No. 22 of 2009 and Sharia Economic Law: Rental Practice, CV. Gallery Rental, Sharia Economic Law Syarif, Muhammad; Hasbi, Husnaini; Littaqwani, Tasya; Chaliddin, Chaliddin
Al-Hiwalah: Journal of Sharia Economic Law Vol. 2 No. 2 (2023): 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/alhiwalah.v2i2.1978

Abstract

Leasing is a right commonly exercised by the community and is one form of interaction that is often carried out. The problem in this study is about the practice of Car Rental according to Law Number 22 of 2009 concerning traffic rules and Sharia Economic Law that occurs at CV Galeri Rental in Banda Sakti District, Lhokseumawe City. The formulation of this research problem, namely: 1) How is the practice of car rental at CV Galeri Rental Lhokseumawe City? 2) How is the analysis of sharia economic law and Law 22 of 2009 concerning traffic offences on car rental practices at CV Galeri Rental? This research is field research, using qualitative research methods. The approach method in this research uses empirical-juridical method. The techniques used in collecting data in this research are through observation, interviews and documentation. The results of the research show that the provisions regarding rights and obligations in the implementation of car leases at CV Galeri Rental are contained in a lease agreement in which the terms and conditions including rights and obligations are regulated. Case settlement due to negligence by the tenant in the car rental agreement at CV Galeri Rental in the form of damage or delay, the rental party refers to the agreement letter owned by CV Galeri Rental. In accordance with Law Number 22 Year 2009 Article 234. According to the view of Sharia Economic Law on the practice of Leasing, the original law is mubah (permissible), as long as it does not conflict with the rules set out in the Quran, Hadith and Ijma'. Likewise, the practice of car rental leasing that occurs at CV Galeri Rental Lhokseumawe City is also permissible, because the lease and the benefits are good for both the tenant and the renting party. But in the practice of renting a car rental, the renting party does not determine the rental time limit, but depends on the car renter how many days he wants to rent out his car.
Coffee Commodity Development: An Effort to Accelerate Diversification of Food Consumption Based on Local Resources in Central Aceh Regency Rizki, Muhammad; Razali, Ramadhan
Al-Hiwalah: Journal of Sharia Economic Law Vol. 2 No. 2 (2023): 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/alhiwalah.v2i2.1980

Abstract

This research discusses the Development of Coffee Commodities as an Effort to Accelerate Diversification of Food Consumption Based on Local Resources in Central Aceh Regency. This research aims to analyze the development of coffee commodities as an effort to accelerate the diversification of local resource-based food consumption in Central Aceh Regency. Central Aceh Regency has great potential in coffee production, but the limited diversification of local food consumption is one of the problems that need to be overcome. This research uses a descriptive method with a qualitative approach to collect data from various sources, such as field surveys, interviews, and documentation of data analysis used in this research primary and secondary data. Based on the results of the study it was found that: The development of coffee commodities as an effort to accelerate the diversification of local resource-based food consumption in Central Aceh District has great potential. By utilizing the favorable geographical conditions and diversity of coffee varieties, high quality coffee can be produced which is one of the alternatives for local food consumption. However, challenges such as lack of market access, lack of promotion, limited infrastructure, as well as climate change and pest attacks, need to be addressed through collaborative efforts between coffee farmers, local government, and other stakeholders
Analysis of the Role of the Creative Economy in Advancing Product Business at MTs Al-Jauhariyah Rohim, Abd
Al-Hiwalah: Journal of Sharia Economic Law Vol. 3 No. 1 (2024): 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/alhiwalah.v3i1.2090

Abstract

This study aims to analyze the role of the creative economy to improve product business in MTs Al-Jauhariyah. In addition to being an educational center, secondary schools also have the potential as a locus of local economic development through creative products. The creative economy is the main focus to increase competitiveness and economic contribution from product businesses in the school environment. Using qualitative research methods, data were collected through in-depth interviews with related parties, direct observation, and documentation studies. The results showed that creativity, innovation, and invention play a key role in the development of product business in this school. In terms of product concept, innovation and differentiation through the creative economy provide significant added value. Factors such as local community involvement, utilization of local resources, and integration of curriculum with creative economy aspects also strengthen the positive impact on the development of product business at MTs Al-Jauhariyah. This research contributes to the practical and theoretical understanding of how the creative economy can be implemented in secondary education environments, exactly in MTs Al-Jauhariyah. This finding can be a foundation for policy makers, schools, and education practitioners to optimize the role of the creative economy in developing product businesses in similar institutions. In addition, this research also opens opportunities for further research related to the integration of creative economy concepts in the context of formal education.
Innovation in Distribution of Wealth Through Zakat: Building Shared Prosperity by Applying Tafsir Qs. At-Taubah Verse 60 Hasanah, Uswatun; Harisah, Harisah; Al Humaidy, Mohammad Ali
Al-Hiwalah: Journal of Sharia Economic Law Vol. 3 No. 1 (2024): 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/alhiwalah.v3i1.2568

Abstract

Whether it is recognized or not, there are many things in society problems related to the economy,especially not equal distribution of income between one group and another others that cause social and economic disparities.To overcome this problem, zakat is the obligation of every Muslim for those who have fulfilled the requirements to accomplish this, become an alternative solution for overcome this problem. In this case distribution Zakat funds are the most important part of building shared prosperity. But in this era of globalization of course. The distribution of zakat requires new innovations through application of QS interpretation. at-taubah verse 60 effectively, efficiently and relevant to the development of the times by doing various collaborations and modern distribution models. Tree The discussion in this article is the application of QS interpretation. At-Taubah verse 60 which emphasizes the concept of caring, justice and economic equality by combining new innovations to create a more effective system in building economic prosperity, of course can be realized by applying eight groups mustahiq who has the right to receive and utilize funds zakat.
The Tradition of Donating Celebrations with the Potangan System in a Review of Sharia Economic Law Natasya Stifani; Kurniawati, Fitri
Al-Hiwalah: Journal of Sharia Economic Law Vol. 3 No. 1 (2024): 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/alhiwalah.v3i1.2612

Abstract

This research aims to explain in depth the description of sharia economic law regarding the deduction system in the tradition of nyumbang to celebrations in the Ulujami community. This research is library research with a qualitative approach. The data sources used in this research come from various literature journal articles that are relevant to the research topic and describe the facts which are then continued with analysis. The data analysis method used is content analysis of the literature sources used in the research. The tradition of nyumbang in Ulujami shows a strong sense of mutual trust and cooperation between givers and recipients. Trust is a type of trust that people have in each other when interacting with each other in activities based on bonds of brotherhood, mutual giving, and mutual agreement with the aim of producing moral and material benefits for both parties. The Ulujami community has various types of celebrations, including circumcisions, weddings, house building, and even recitation of the Koran. They also carry out a tradition of donating called "potangan" which means bequeathing some of their wealth in the hope that it will be returned during future celebrations. With this phenomenon, how Islam responds to the phenomenon of the cutting system is through the tradition of contributing to the Ulujami.
Effectiveness of Recruitment and Selection in Improving Employee Performance at PNM Mekaar Unit Kadur 2 Iman, Nurul; Hidayati, Nurul
Al-Hiwalah: Journal of Sharia Economic Law Vol. 3 No. 1 (2024): 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/alhiwalah.v3i1.2879

Abstract

Recruitment is to provide qualified prospective employees in line with the company’s strategy, insight and values to help reduce the possibility of employee turnover. The recruitment process at PMN Mekaar Unit Kadur 2 pays more attention to the quantity aspect. This can be seen from the fact that prospective employees who register there are accepted easily, because the conditions are easy and the process is short. The focus of this research is the recruitment and selection process in improving employee performance at PNM Mekaar Unit Kadur 2. The objective of this research are to 1) determnine the employee recruitment and selection process, 2) identify obstacles in the recruitment adn selection process, and 3) determine the effectiveness recruitment and selection in improving employee performance at PNM Mekaar Unit Kadur 2. The methot use in this research is qualitative descriptive analysis technique with basic research. For data collection, interview techniques, focus groups, documentation were used. The result of the research show that 1) The stages of the recruitment process include employee request, publication of job vacancies, application process, job interviews and psychological tests, employee selection and field test, and employment contracts. 2) The obstacle faced by the company is that employees easily get discouraged, due to the toxic environment and non compliance with work contracts, and 3) Through the five effectiveness criteria, recruitment and selection are found to be ineffective. Meanwhile, through the six employee perfomance criteriam the recruitment and selection process has a very positive effect on employee performance in the quality, quantity and cost effectiveness indicators and has a negative effect on employee performance in the timelines, need for supervision and interpersonal impact indicators.
Sharia Economic Dispute Resolution Model According to Qanun No. 11 of 2018 concerning Sharia Financial Institutions Rizal, Syamsul; Dara, Cut; Khadafi, Muammar; Kafrawi, Kafrawi; Husnaini, Husnaini; zulhamdi, zulhamdi
Al-Hiwalah: Journal of Sharia Economic Law Vol. 3 No. 1 (2024): 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/alhiwalah.v3i1.2893

Abstract

When many business entity activities start to appear that use the sharia label, the resolution must be carried out by institutions that truly understand sharia economics. So, creating economic products that have the term sharia attached to them is not easy and requires various kinds of adjustments, such as; applicable laws and regulations, contemporary economic developments in global society which tend to be value-free, varied transaction models, and so on. All of this must be able to be adjusted to sharia principles. The problem formulation in this research is: What is the Sharia Economic Dispute Resolution Model seen from Qanun No. 11 of 2018 concerning Sharia Financial Institutions? The type of research used is library research, namely by studying and examining sources. written text that is relevant to the discussion material. The results of this research are a model for Sharia Economic Dispute Resolution after the implementation of Qanun No. 11 of 2018 concerning Sharia Financial Institutions, a model for resolving disputes through non-litigation (outside of court), namely a model for resolving disputes that is carried out using methods that exist outside of court. usually called an alternative dispute resolution institution.
The Leadership Role of Branch Heads in Motivating Employee Performance at BMT NU East Java Camplong Sampang Branch Sitti Aisyah
Al-Hiwalah: Journal of Sharia Economic Law Vol. 3 No. 1 (2024): 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/alhiwalah.v3i1.3141

Abstract

Kepemimpinan merupakan suatu usaha dariseorang pemimpin untuk dapat merealisasikan tujuanindividu ataupun tujuan organisasi. Oleh karena itu, pemimpin diharapkan dapat memengaruhi, mendukung, dan memberikan motivasi agar para pengikutnya tersebutmau melaksanakannya secara antusias dalam mencapaitujuan yang diinginkan baik secara individu maupunorganisasi. Peran kepemimpinan dalam suatu perusahaanmerupakan inti dari dari manajemen dan memiliki kaitanyang sangat erat dengan motivasi kerja. Hal ini terjaditepatnya di BMT NU Jawa Timur Cabang CamplongSampang, peran pemimpin kepala cabang dalammemotivasi karyawannya, agar karyawannya lebihterpusatkan untuk mencapai sasaran-sasaran organisasidan mendapatkan hasil kerja kerasnya. Tujuan Penelitianini adalah menjelaskan peran kepemimpinan kepalacabang dalam memotivasi kinerja karyawan dan dampakperan kepemimpinan kepala cabang dalam memotivasiterhadap kinerja karyawan. Adapun desain penelitian inimenggunakan penelitian kualitatif dengan teknikpengumpulan data melalui observasi, wawancara, dan dokumentasi. Peneliti menganalisis data denganmenggunakan teknik deksriptif kualitatif. Hasil penelitian ini menunjukkan bahwa peran kepemimpinankepala cabang di  BMT NU Jawa Timur Cabang Camplong Sampang membawa pengaruh dalammembangun  motivasi kinerja karyawan dalam mencapaitarget di sebuah perusahaan atau organisasi.

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