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AL HUKMU: Journal of Islamic Law and Economics

hukmu
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Published by Institut Islam Mamba'ul 'Ulum Surakarta

ISSN : - EISSN : 29639506 DOI : 10.54090

Core Subject : Religion, Economy, Humanities, Social,

Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

AL HUKMU: Journal of Islamic Law and Economics, a peer reviewed scientific publication media that focuses on disseminating research results in the fields of Law and Economics, Fiqh Muamalah and Sharia Economics. This journal is published by the Faculty of Sharia and Islamic Economics at the Institut Islam Mambaul Ulum Surakarta and is published every March and August.

Arjuna Subject : Seni dan Humaniora - Studi Agama

Articles 53 Documents

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PENGARUH BRAND IMAGE, LITERASI KEUANGAN SYARIAH, DAN SHARIAH GOVERNANCE, TERHADAP KEPUTUSAN MENGGUNAKAN JASA PERBANKAN SYARIAH Niswatun, N; Susilo, Edi
AL HUKMU: Journal of Islamic Law and Economics Vol. 01, No. 1 Agustus 2022
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

This study aims to analyze the effect of brand image, sharia financial literacy, and shariah governance, on the decision to use sharia banking services in Jepara Regency. This study is a quantitative study, with multiple linear regression analysis method, using SPSS version 16. The results showed that the brand image variable (X1) and Islamic financial literacy variable (X2), significantly influenced the decision to use Islamic banking services in Jepara Regency ( Y). While the shariah governance variable (X3) has no significant effect on the decision to use sharia banking services in Jepara Regency (Y). Simultaneously, the brand image variable (X1), the Islamic financial literacy variable (X2), and the sharia governance variable (X3), have a significant effect on the decision to use Islamic banking services in Jepara Regency.

APAKAH BANK ISLAM MALAYSIA MENGELOLA PENGHASILAN DENGAN PROFIT EQUALIZATION RESERVE? Nissa, Izzun Khoirun
AL HUKMU: Journal of Islamic Law and Economics Vol. 01, No. 1 Agustus 2022
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

Income management is not an important factor for PER, because the EBTZP variable is not significant. Future studies need to examine how PER affects capital regulation. The findings of this study indicate that Islamic Banks use PER and IRR to stabilize profits. Although there is empirical evidence on PER behavior and IRR allowance by Islamic Bank institutions, evidence from other financial institutions is still scarce. Based on this research, in the case of Malaysia, there are other institutions that offer Islamic financial products and services, namely developing financial institutions such as Agro Bank, SME Bank, National Savings Bank. These results indicate that Bank Malaysia does not equalize income over time using PER, and in this study it is shown that income management is not an important factor in PER.

IMPLEMENTASI DISPENSASI NIKAH BERDASARKAN UU NO. 16 TAHUN 2019 DI KECAMATAN WARA TIMUR KOTA PALOPO Wibowo, Muhammad Kurniawan Budi; Octasari, Astrie; Julia, J; Abubakar, Kirana
AL HUKMU: Journal of Islamic Law and Economics Vol. 01, No. 1 Agustus 2022
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

Tujuan dari penelitian ini adalah untuk mengetahui tingkat persentase dispensasi nikah di Kecamatan Wara Timur dan mendeskripsikan secara mendalam optimalisasi implementasi dispensasi nikah berdasarkan UU No. 16 Tahun 2019 serta mengetahui dan mendeskripsikan faktor penghambat atau kendala dalam implementasi dispensasi nikah tersebut. Metode penelitian yang digunakan adalah pendekatan kualitatif. Dalam penelitian ini peneliti menggunakan teknik pengumpulan data berupa wawancara disertai literatur pendukung yang diperoleh dari beberapa sumber kepustakaan yang relevan dengan kajian ini. Hasil penelitian menunjukkan bahwa tingkat persentase yang melakukan pengajuan dispensasi nikah di Kecamatan Wara Timur hanya sekitar 20% yang sebagian besar alasannya dikarenakan hamil di luar nikah. Adapun implementasi dispensasi nikah di Kecamatan Wara Timur telah sesuai dengan aturan yang telah ditetapkan dalam UU No. 16 Tahun 2019. Dimana pengajuan dispensasi nikah disini diajukan oleh orang tua pihak pria dan/ atau orang tua pihak wanita yang dilakukan karena alasan sangat mendesak dan disertai bukti-bukti pendukung yang cukup. Faktor penghambat atau kendala dalam implementasi dispensasi nikah ini ialah terkait masalah waktu. Maksudnya, waktu penetapan pernikahan dimana jarak antara sidang di pengadilan dengan tanggal pernikahan sangat berdekatan yang mengakibatkan proses pengadilan belum selesai namun waktu pernikahan telah tiba sehingga saling berbenturan waktu.

MENYADARKAN PENTINGNYA MENJAGA PERSATUAN DAN TOLERANSI ANTARMASYARAKAT DI WONOSARI, KLATEN SEBAGAI UPAYA MEWUJUDKAN INTEGRASI NASIONAL Azizah, Annisa Nur; Rohadi, Muhammad; Ghifari, Mi'roju Abdul Rozaq Al; Rahmah, Nika Hidayatur
AL HUKMU: Journal of Islamic Law and Economics Vol. 01, No. 1 Agustus 2022
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

Abstract Indonesia is a heterogeneous country with a diversity of races, religions, ethnicities, tribes and cultures. Countries that have diversity have a great chance of division in society. This makes it a responsibility and challenge for the community in an effort to prevent division. The purpose of this community service activity is to provide information related to the heterogeneous condition of the Indonesian nation, raise awareness in maintaining unity and invite the community to continue to foster mutual tolerance in the community in order to realize national integration. The method of community service implementation is by Interview, music video presentation, and direct discussion. The active role of the community in realizing national integration is very necessary, especially in Wonosari, Klaten. The way to realize national integrase is to not discriminate diversity for example in ethnic, cultural, regional and so on, run the worship in accordance with the beliefs and religions adopted, build awareness of the importance of National Integration, do mutual cooperation in order to increase awareness of society, nation, and state, maintain the unity and unity of the nation, willing to maintain the Unitary State of the Republic of Indonesia, etc.

MENGENALKAN PERAN SERTA MASYARAKAT DALAM PENEGAKAN NEGARA HUKUM DAN HAK ASASI MANUSIA DI BANJARSARI, SURAKARTA Huda, Salahudin Khairul; Najah, Umi; Shalihah, Aisyah Mar'atus; Mustofa, Abid Abiyyu Nur
AL HUKMU: Journal of Islamic Law and Economics Vol. 01, No. 1 Agustus 2022
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

Indonesia is a constitutional state as stated in the 1945 Constitution. For Indonesia, the enforcement of human rights is a principle that is upheld. As a nation that has experienced colonialism, the founder of our Republic is aware of the meaning of human rights in state activities. The purpose of conducting this research is to introduce information related to the rule of law and human rights, to open public knowledge about human rights and to make people aware that the role of the community is very much needed in protecting the human rights of Indonesian citizens and the need to increase the sense of nationalism of local residents. The activity is centered on the introduction of human rights to the public through media exposure about the rule of law and human rights. The implementation method for this community service is by interviewing, media exposure, discussion, activity reports to the person in charge of the community. The active role of community members in maintaining and reducing pollution and moral damage in respecting the human rights of fellow citizens that occurs in Indonesia, especially in Banjarsari District, Surakarta.

ANALISA AKAD HUTANG PIUTANG YANG DITERAPKAN PADA BAITUL MAAL WA TAMWIL (BMT) MAKMUR MANDIRI PERIODE TAHUN 2019-2021 Anwar, Syaiful; Baehaqi, B; Sulistyowati, S
AL HUKMU: Journal of Islamic Law and Economics Vol. 02, No. 1 Maret 2023
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

Baitul Maal waa Tamwil (BMT) is indeed a different MFI because it has a business and social side. Regulations related to the existence of BMTs include Law Number 23 of 2011 concerning Zakat Management, Law Number 25 of 1992 concerning Cooperatives and Law Number 1 of 2013 concerning Microfinance Institutions (MFIs), as referred to in the Law concerning the Financial Services Authority, Article 1 paragraph (8) of Law no. 1 of 2013 concerning Microfinance Institutions (MFIs). That is an institution that is independent and free from interference from other parties, which has the functions, duties, regulatory authority, supervision, examination, and investigation as referred to in this Law. Article 1 Paragraph (1) of Law no. 11 of 2011 concerning the Financial Services Authority (OJK). One of these institutions is KSPPS-BMT Makmur Mandiri Sukoharjo. The purpose of this study was to determine the procedures for implementing accounts payable contracts on financing products at KSPPS-BMT Makmur Mandiri. The research method used is descriptive qualitative. Sources of data in the form of interviews, observations, and documentation. The results of the study stated that KSPPS-BMT Makmur Mandiri Sukoharjo already had a financing product, namely the Mudharabah Principle, which was divided into two namely mutlaqah and muqayyaddah. Musharaka Principle. The principle of Wadi'ah is divided into two, namely wadi'ah yad dhamanah and wadi'ah Amanah. The principle of buying and selling, consists of murabahah and ishtisna. Services include wakalah, kafalah and ijarah. The principle of loan or debt, consists of hawalah, rahn and qard.

ANALISIS PENERAPAN SHARIA COMPLIANCE DALAM PRODUK PEMBIAYAAN AKAD MURABAHAH Octasari, Astrie; Julia, J; Abubakar, Kirana
AL HUKMU: Journal of Islamic Law and Economics Vol. 02, No. 1 Maret 2023
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

This study aims to describe the role of the Sharia Supervisory Board (DPS) towards sharia compliance and to analyze the application of sharia compliance in murabaha contract financing products. The research method used is normative legal research with a qualitative approach. In this study, researchers examined concrete legal regulations and substantial regulations accompanied by supporting literature in the form of literary sources that were relevant to the research object being discussed. The results of the study show that the existence of the Sharia Supervisory Board (DPS) is to guarantee and supervise Islamic banks so that they remain in the corridors of Islamic law. The role of the Sharia Supervisory Board (DPS) is very crucial in the implementation of sharia compliance in Islamic banks in Indonesia. The role of the Sharia Supervisory Board (DPS) at the technical level of banking operations is very important considering the duties, responsibilities and authorities they have. The Sharia Supervisory Board (DPS) in carrying out their duties can be active or responsive. The Sharia Supervisory Board (DPS) must actively supervise, collect data, analyze and correct various findings of sharia non-compliance in an Islamic bank. Financing with a murabaha contract that has been practiced by Islamic banking has deviated from several provisions in the DSN MUI Fatwa and there is a conflict with the legal terms of a sale and purchase agreement with a murabaha contract, namely the bank fully represents the customer to buy and receive goods from suppliers and gives the right to carry out deed of sale and purchase for and on behalf of the customer himself directly with the supplier. Islamic banks should first buy the object before the object is sold to the customer and also in this practice only one sale and purchase transaction, namely between the supplier and the customer. Based on DSN MUI Fatwa No. 04/DSN-MUI/IV/2000 concerning Murabahah, murabahah financing must occur in two sale and purchase agreements.

IMPLEMENTATION OF HIWALAH AGREEMENT AGAINST TAKERS – TRANSFER OF SUBSIDIZED FERTILIZER DEBT AT PUSRI RETAILERS KPL. SURYA USAHA TANI Fatchurrohman, M; Syihabudin, Ahmad
AL HUKMU: Journal of Islamic Law and Economics Vol. 02, No. 1 Maret 2023
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54090/hukmu.136

Hiwalah is the transfer of the right to claim debts to other (third) parties on the basis of the consent of the party who gives the debt. The basis of the hiwalah contract is that ta'awun is a help- helping activity in the good among fellow Muslims. Reseller Pusri KPL. Surya Usaha Tani sells fertilizer with a tempo system with a gradual payment after the rice harvest, the results of which cannot be ascertained. The debt of the fertilizer slasher in Pusri is paid by farmers after getting money from the sale of their paddy harvest. However, in the payment, there is an additional cost of fertilizing rice fields for which there is no record of costs as a statement. The additional payments are not clearly known to farmers which is a common occurrence in the local community. However, in Islamic law the transaction of Hiwalah with Ujroh must have special records and particulars so that it can be proved and known together and not become gharar (Unclear). Implementation of hiwalah agreements for takers – transfer of subsidized fertilizer debt at pusri retailers KPL. Surya Usaha Tani needs research to be able to positively influence the surrounding community who do not understand hiwalah transactions clearly. It is also in the case of unilateral pricing of retailers and the system of expropriating fertilizer debts with the lack of clarity on the exact costs to these farmers needs to be analyzed under Islamic law against the Subsidized Fertilizer Debt Takers. The research method used in this study uses qualitative methods with the type of library research and also uses field research. Primary data sources are obtained from interviews with respondents while secondary data sources are obtained through books, literature studies, and various other sources. The data collection techniques used are observation, interview and documentation directly. The results of the analysis showed that the practice of transferring the debt of the farmers with KPL. Surya Usaha Tani told The Rice Slasher that there was no agreement at the beginning on all additional services in finding workers who were willing to work on seeding fertilizer and also transportation services in the transportation of fertilizer which was measured from the distance traveled and the constraints of transporting fertilizer to several different rice fields. Then Hiwalah was shari'a by Islam and allowed because there was a maslahat to help and facilitate in muamalah activities because it included evidence of mutual help to others. Hiwalah KPL. Surya Usaha Tani is allowed under Islam if in the implementation of the hiwalah contract which coincides with wages (ujroh) on the transfer of farmers' debts by KPL. Surya Usaha Tani to the rice slasher has a clearly written agreement along with the witness so that in the agreement in cutting the crop for fertilizer debt and other costs so that both parties feel willing in the existence of the transaction.

ANALISA TINGKAT KESEJAHTERAAN KELUARGA PASANGAN MENIKAH USIA DINI KANTOR URUSAN AGAMA (KUA) KECAMATAN BAKI Nurjianti, N; Baehaqi, B; Sarjono, Joko
AL HUKMU: Journal of Islamic Law and Economics Vol. 02, No. 1 Maret 2023
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

Marriage is a phenomenon that is always interesting to discuss in society. Marriage is an important thing for human life, especially in social life in society and survival for the next generation of humans. The phenomenon of early marriage in Baki District has recently been increasing over the last three years. This study aims to analyze what factors influence the occurrence of early marriage and analyze the level of household welfare in couples rising at an early age Religious AffairsOffice in the Baki District.This research is a qualitative descriptive study aimed at getting an overview of the factors that lead to early marriage and the level of family welfare of couples who marry at an early age in the Baki District area. Data collection techniques in this study used direct surveys, interviews and documentation studies. The data analysis technique used in this study uses interactive descriptive analysis.The results of this study draw the conclusion that the main cause of underage marriages in the Baki District area is due to pregnancy out of wedlock which is influenced by the presence of promiscuity factors, educational factors, economic factors and parental encouragement factors. The welfare level of early age couples in the Baki District is included in the pre-prosperous level.

THE STRATEGY OF THE ISLAMIC ECONOMIC SYSTEM IN INDONESIA’S DEVELOPMENT Nissa, Izzun Khoirun
AL HUKMU: Journal of Islamic Law and Economics Vol. 02, No. 1 Maret 2023
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

The strategy in the Islamic economic system is not an alternative economic system or an economic system middle class, but is a solutive economic system for various problems that while it appears. Research Methods used by researchers in compiling this writing is with use method descriptive . Method descriptive is method in researching something object, a system of thought or at present (Nazir, 1988:63). With this descriptive researcher try make One description, description or painting in a manner systematic , accurate about facts , attributes as well as connection between phenomena that occur in the economic system that is run. The Islamic economic system and its development in society, then For can reach balance development And well-being people, needed exists a harmonious (civilized) society, where this can be realized when there is something paradigm. The paradigm of civil society can be said to be Islamic when it is realized through principles And values Islam addressed For get fail.

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YAYASAN PERGURUAN TINGGI ISLAM SURAKARTA INSTITUT ISLAM MAMBA’UL ‘ULUM SURAKARTA Unit Pelaksana Teknis Jurnal Jl. Sadewa No. 14 Serengan, Surakarta 57155

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Meti Fatimah

Contact Email metifatimah@dosen.iimsurakarta.ac.id

Phone -

Journal Mail Official jurnal@iimsurakarta.ac.id

Editorial Address YAYASAN PERGURUAN TINGGI ISLAM SURAKARTA INSTITUT ISLAM MAMBA’UL ‘ULUM SURAKARTA Unit Pelaksana Teknis Jurnal Jl. Sadewa No. 14 Serengan, Surakarta 57155

Location Kota surakarta, Jawa tengah INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
Meti Fatimah

Contact Email
metifatimah@dosen.iimsurakarta.ac.id

Phone
-

Journal Mail Official
jurnal@iimsurakarta.ac.id

Editorial Address
YAYASAN PERGURUAN TINGGI ISLAM SURAKARTA INSTITUT ISLAM MAMBA’UL ‘ULUM SURAKARTA Unit Pelaksana Teknis Jurnal Jl. Sadewa No. 14 Serengan, Surakarta 57155

Location
Kota surakarta,

Jawa tengah

INDONESIA