cover
Contact Name
Mu'adil Faizin
Contact Email
muadilfaizin27@gmail.com
Phone
+6285783356289
Journal Mail Official
muamalah@metrouniv.ac.id
Editorial Address
St. Ki Hajar Dewantara 15A Iring Mulyo, East Metro, Metro City, Lampung Province, Indonesia, Postcode 34111. Phone : 0725-41507, Fax: 0725-47296
Location
Kota metro,
Lampung
INDONESIA
Mu'amalah : Jurnal Hukum Ekonomi Syariah
ISSN : -     EISSN : 29864712     DOI : https://doi.org/10.32332/muamalah
Mu`amalah specializes in the study of sharia economic law, as well as conducting scientific publications containing research articles on sharia economic law to support the development of Islamic jurisprudence. This journal is published twice a year in the January-June period and the July-December period by the Metro State Islamic Institute.
Arjuna Subject : Ilmu Sosial - Hukum
Articles 10 Documents
Search results for , issue "Vol. 2 No. 2 (2023)" : 10 Documents clear
Implementasi Multi Akad (Hybrid Contract) pada Pembiayaan Murabahah Bank Syariah Ono, Inyoman Budi
Mu’amalah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/muamalah.v2i2.6658

Abstract

This study aims to explore the types of transactions in Islamic banks that utilize Multi Akad (Hybrid Contracts) within the framework of Islamic Economic Law (fiqh mu'amalah). Hybrid Contracts, or Multi Contracts, are combinations of several contracts in a single transaction (mujtami') or multiple reciprocal contracts (mutaqabil). These contracts represent an Ijtihad (juridical effort) designed to support the products of Islamic banks and other Islamic financial institutions, enabling them to conduct transactions in compliance with Islamic law. A qualitative descriptive method was employed in this research, with data collected from leaders and employees of Islamic bank branches in Parepare, Makassar, and Jakarta via mobile communication. Secondary data was gathered through literature review. The findings indicate that the use of Multi Akad (Hybrid Contracts) is most prevalent in Islamic bank murabaha financing transactions. In these transactions, the Murabahah contract is typically combined with a wakalah contract, resulting in a Murabahah bil Wakalah (Hybrid Contract).
Konsep Kebikan Moneter dalam Perspektif Hukum Ekonomi Syariah Abdianti, Dini; Restu, Anisa; Al ayyubi, Sholahuddin
Mu’amalah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/muamalah.v2i2.7042

Abstract

Monetary policy in Islamic economic law is a key branch of economic studies that focuses on understanding the nature, functions, and impacts of monetary actions on the economic activities of a nation. In Islamic economics, monetary policy is not solely concerned with the supply and demand of money but also integrates principles of justice, equity, and brotherhood, aiming for equality and the fair distribution of wealth and income. This article adopts a qualitative research approach, with data analysis conducted through descriptive analysis. Descriptive analysis is used to present the research findings clearly, based on the evidence gathered. The findings indicate that monetary policy plays a vital role in maintaining economic stability by ensuring a balanced distribution of money within the economy. When the circulating money supply is not proportional to the amount of goods and services available, it can disrupt economic stability. This study highlights that in Islamic economic law, the balance between money supply and the production of goods and services is crucial for preventing economic instability and ensuring equitable wealth distribution.
Multi Akad pada Praktek Arisan Online untuk Pembelian Jam Tangan (Studi Kasus Akun Instagram Safa.Watch12) Nopiyana, Dina
Mu’amalah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/muamalah.v2i2.7417

Abstract

This study aims to analyze the Islamic law perspective on online gatherings for purchasing watches, using a case study of the Instagram account @safa.watch12. The research is field-based (Field Research). The findings reveal that, under Islamic law, the validity of the arisan (community-based savings group) is upheld if the goods received are in accordance with the stipulated provisions, such as the Alexandre Christie watches. However, the arisan law becomes invalid if the watches are replaced with another brand, especially when participants are unwilling, as the terms of the arisan prohibit resignation. Participants must receive the watches agreed upon at the time of the social gathering, and any discrepancy between the received goods and the original deposit violates the conditions, as the funds collected are specifically designated to purchase only Alexandre Christie brand watches.
Pelaksanaan Transaksi Jual Beli Tanah dengan Sistem Perantara (Makelar) Berdasarkan Peraturan Menteri Perdagangan Nomor 51 Tahun 2017 tentang Perusahaan Perantara Perdagangan Properti Karim, Asma
Mu’amalah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/muamalah.v2i2.7418

Abstract

This study aims to know and analyze the process of implementing land sale and purchase using a broker based on the regulation of the minister of trade number 51 of 2017 concerning property trading companies and to find out and analyze the legal responsibilities of the parties if there are legal problems in the future land sale and purchase transaction in Wates sub-district, Kulon Progo Regency. His research methods are empirical juridical based on primary data as well as secondary data. The results showed that based on primary data from interviews with individual brokers in Kulonprogo, it is known that in principle in the process of buying and selling property with the intermediary of brokers, which are individuals or individuals, most of the procedures are almost the same as the processes applied to companies incorporated in the Regulation of the Minister of Trade Number 51 of 2017. It can be seen that the procedure is that the broker generally makes an oral agreement, followed by a written agreement which is generally underhand, providing the choice of location needed by the buyer, verifying data from the landowner to check the authenticity of land ownership; assist the process of transactions with sellers when buyers are interested in buying the desired location; then the broker and seller bring land data to be transacted at the PPAT Notary; Further about the legal responsibility of the parties in the event of legal problems in the land sale and purchase transaction in the future, namely, brokers, and service users should make contracts that affirm the rights and obligations of the parties, in addition to affirming the legal responsibilities that must be borne by the parties in the event of adverse defaults in the future.
Pengaruh Efektivitas Dana Pihak Ketiga, Resiko Pembiayaan, Rasio Efisiensi, dan Kecukupan Modal Terhadap Profit Distribution Management Bank Umum Syariah di Indonesia Periode (2017-2020) Carisa, Mela
Mu’amalah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/muamalah.v2i2.7500

Abstract

This research is a quantitative study with a correlational approach, focusing on Islamic commercial banks in Indonesia registered with the Financial Services Authority (OJK). The sampling method used was purposive sampling, selecting 11 Islamic commercial banks in Indonesia as the sample. The study employs secondary data obtained from quarterly financial reports covering the period from the first quarter of 2017 to the third quarter of 2020. Data analysis is conducted using panel data regression with EViews 10 software. The findings reveal that capital adequacy, the effectiveness of third-party funds, financing risk, and efficiency ratios collectively influence the profit distribution management of Islamic commercial banks in Indonesia for the 2017-2020 period. Specifically, capital adequacy and efficiency ratios have a positive effect on profit distribution management, while the effectiveness of third-party funds and financing risk have a negative effect. The coefficient of determination test shows that these variables collectively explain 99.9% of the variation in profit distribution management.
Exploration of Maqasid Al-Shariah Concepts in The Development of Islamic Economic Policies Karimullah, Suud Sarim
Mu’amalah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/muamalah.v2i2.7747

Abstract

This study examines the concept of maqasid al-shariah in the context of Islamic economic policy development, emphasizing its understanding, implementation in policy, and evaluation of its impact on society and welfare. The research employs a literature review method, conducting a comprehensive analysis of relevant sources across various disciplines. The findings indicate that maqasid al-shariah serves as a moral compass within Islamic economics, providing a foundation for a just, sustainable, and ethical economy. Its implementation requires the establishment of robust Islamic financial institutions, the regulation of economic activities in accordance with Islamic law, and the preservation of moral values in business practices. The evaluation of its impact underscores the significant role of Islamic economics in safeguarding the core objectives of protecting religion, property, life, intellect, and lineage. This study highlights the ongoing relevance of maqasid al-shariah as a guiding framework for Islamic economic policies, offering a bridge between theoretical principles and practical applications to foster a more just and ethical society.
Penafsiran Konsep Konten Youtube sebagai Bentuk Aset yang Bisa Diikat oleh Fidusia Dalam Tinjauan Hukum Ekonomi Syariah Nurcahyo, Febry Wahyu
Mu’amalah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/muamalah.v2i2.7832

Abstract

The government currently supports creative business actors by providing facilities for designing intellectual property rights financing, with the aim of enabling creative entrepreneurs, especially YouTubers, to use their YouTube channel copyrights as collateral through financial institutions such as banks and non-banking institutions. This research discusses the legal regulations related to copyright that apply to YouTube channels as objects of fiduciary guarantees and identifies the obstacles in making YouTube channels eligible for such guarantees. The study uses a normative legal research approach, supported by a literature study. The research methodologies include the statutory approach, conceptual approach, and Sharia economic law analysis. Secondary data was obtained through library research. The findings from the literature review conclude that YouTube channel copyrights have the potential to be used as objects of fiduciary guarantees in accordance with the provisions set forth in Article 16 of Law Number 28 of 2014 on Copyright, Law Number 42 of 1999 on Fiduciary Guarantee, and Government Regulation Number 24 of 2022 on the Provisions for the Implementation of the Creative Economy.
Community Economic Empowerment Through Infaq and Shadaqah in LAZISMU Cirebon Regency Sharia Economic Law Perspective Rohmah, Umdah Aulia
Mu’amalah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/muamalah.v2i2.7844

Abstract

This study examines the role of infaq and sadaqah in community economic empowerment, specifically focusing on how these practices contribute to the economic welfare of individuals, particularly those with disabilities. Infaq refers to the management or distribution of assets to fulfill needs that are pleasing to Allah SWT, while sadaqah involves the voluntary donation of assets or non-assets, beyond zakat, for the benefit of society. The research employs a qualitative approach utilizing a phenomenological method, with data collection through observation, interviews, and documentation. The findings indicate that the economic empowerment of communities through infaq and sadaqah is achieved by supporting Micro, Small, and Medium Enterprises (MSMEs) owned by individuals with disabilities, whether these businesses are established or non-existent. The economic impact of this initiative is significant, as it provides financial assistance to vulnerable groups. A review of Shariah economic law confirms that community economic empowerment through infaq and sadaqah aligns with Islamic principles, including the principles of monotheism, justice, honesty, truth, public interest (al-maslahah), and goodness, all of which are in harmony with the tenets of Shariah economic law.
Implementation of Musharakah Contract in Financing Products Working Capital at Bank Panin Dubai Syariah Branch Makassar Auliah, Alya; Saharuddin, Saharuddin; Trimulato, Trimulato
Mu’amalah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/muamalah.v2i2.7846

Abstract

The development of the Islamic finance industry continues to experience good the choice of Islamic financial products is increasingly diverse. Sharia bank financing products consist of buying and selling, leasing, and profit-sharing schemes. Financing in Islamic banks is still dominated by consumptive financing with Murabaha contracts. Islamic banks have financing products with profit-sharing schemes that can be used for productive financing. This study aims to describe the application of musyarakah contracts in working capital financing at Bank Panin Dubai Syariah Branch Makassar. As well as outlining the application of the musyarakah contract in conformity with sharia principles. The research method used is qualitative research with field research, related to musyarakah contract financing for working capital at Bank Panin Dubai Syariah Makassar. The data sources used are primary data, data obtained directly by interviews, and secondary data from data previously presented. Data collection techniques by direct interviews with parties related to musyarakah financing and through documentation from several relevant sources. The data analysis technique used is descriptive qualitative which describes the application of musyarakah contracts in working capital financing at Bank Panin Dubai Syariah. The study results show that applying a musyarakah contract for working capital is adjusted to the type of business owned by the customer. Financing intended for a project provided that both the bank and the customer contribute capital to run a business project with profits divided according to the capital contribution portion (nisbah). The application of the musyarakah contract for working capital financing at Bank Panin Dubai Syariah branch Makassar is by Sharia principles.
Normalisasi Pembajakan Buku di Era Teknologi Digital Uyun, Qurrotul
Mu’amalah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/muamalah.v2i2.7881

Abstract

Piracy facilitated by digital technology has become increasingly prevalent due to the lack of awareness among perpetrators regarding the responsible use of digital tools. The rapid advancement of technology has made it easier for individuals to engage in piracy, particularly through digital media. This type of piracy often involves websites or platforms that provide plagiarized works. One of the most common forms of piracy in the digital era is the piracy of electronic books (e-books). In Indonesia, book piracy is a widespread issue, with pirated content ranging from partial to full copies of books. The growing perception that using pirated books is acceptable, particularly when they are offered at lower prices, has contributed to the proliferation of this practice. The findings of this study highlight the significant role of digital platforms in the distribution of pirated e-books, revealing that the ease of access and the economic motivations behind using pirated books are major factors driving this phenomenon. The study also identifies a lack of awareness about the legal and ethical implications of piracy, as well as the challenges in enforcing copyright laws in the digital age.

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