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Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Published by Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember
ISSN : 29646464     EISSN : 29617294     DOI : 10.55606
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Subjek meliputi studi tekstual dan studi lapangan dengan berbagai perspektif ekonomi Islam, keuangan publik Islam, keuangan Islam, akuntansi Islam, etika bisnis Islam, perbankan Islam, asuransi Islam, pemikiran ekonomi Islam, manajemen sumber daya manusia Islam, keuangan mikro Islam, ekonomi pembangunan Islam, Ekonomi moneter Islam, ekonomi fiskal Islam, pasar modal Islam, dan tema-tema lain yang relevan.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 45 Documents
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JUAL BELI DENGAN SISTEM DISKON PERSPEKTIF HUKUM EKONOMI SYARIAH DAN UNDANG-UNDANG NOMOR 5 TAHUN 1999 Dalilatul Baro’ah
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 6 No. 1 (2024): Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ai.v6i1.917

Abstract

Sharia also provides clear rules regarding the pillars and conditions of buying and selling. Both refer to the seller, buyer, or subject of a completed commercial and sales contract. The buying and selling marketing strategy is a price reduction system or what we usually call a discount system. It can be found that often the price of the item being discounted is not actually cut. However, the price of a product is raised before a discount is applied. This is called Mark Up. The purpose of this research is to find out the concept of buying and selling with a discount system in sharia economic law and law. The results of this study are to discuss buying and selling with a discount system from the perspective of Islamic economic law and law number 5 of 1999, where there are many discount systems found in society where the price discounts are very attractive. The discount according to sharia is basically permissible if the pillars and conditions in the sale and purchase agreement have been fulfilled. These conditions include that the seller and the buyer have bought and sold willingly and voluntarily, without any coercion and that both parties are competent in carrying out the practice of buying and selling, that is, he is a mulatto. Regarding the object of sale and purchase, it is a sacred and useful item, not unclean or illegitimate, is fully owned, the object of sale and purchase can be handed over, and the amount of payment is known clearly by both parties.
Aplikasi Akad Ijarah dalam Layanan Pembiayaan Gadai Perspektif Hukum Ekonomi Syariah Nur Indah Putri Liana
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 6 No. 1 (2024): Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ai.v6i1.918

Abstract

The background of writing this thesis selection is the situation where the rahn financing at the KSPP Syariah BMT NU Tenggarang branch uses two contracts simultaneously or multiple contracts, namely rahn and ijarah contracts. This study aims to determine the application of ijarah and rahn contracts in syariah pawn services at the KSPP Syariah BMT NU Tenggarang branch and to find out whether the two contracts applied at the KSPP syariah BMT NU Tenggarang branch are in accordance whit the provisions of Islamic Economic Law. The method used in the study is to use a type of field research and a qualitative approach, through data collection by observation. There are two sources of data in this study, namely primary data obtained from the staff of the KSPP Syariah BMT Nu Tenggarang branch and other references related to the research problem under study. Furthermore, the data ware analyzed through the descriptive analysis method, that is, after all the data has been collected, the researcher will explain in detail and systematically so that the final conclusions can be clearly described and understood, also by looking at the review of Syariah Economic Law and referring to the arguments and opinions the experts. The result of the study indicate that the implementation of Syariah pawn financing product services at KSPP Syariah BMT NU Tenggarang branch in determining the cost of deposit services (ijarah) on rahn transactions in practice at the KSPP Syariah BMT NU Tenggarang branch in general is in accordance with the Islamic Ekonomi Of Law.
PENYELESAIAN PEMBIAYAAN BERMASALAH AKAD MURABAHAH PERSPEKTIF HUKUM EKONOMI SYARIAH Fiyo Safira
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 6 No. 1 (2024): Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ai.v6i1.919

Abstract

Murabaha contract financing is a financing product that is quite attractive to customers because besides being easy, the process is also easy. However, even though it is easy and easy murabaha financing also has many problems. There are many factors that experience problematic financing, one of which is that the customer is bankrupt, the economy is declining, the capital does not return. So in this case the BMT must resolve problematic financing according to Islamic law. So the focus of research in this study is how is the practice of murabahah contract financing from the perspective of Sharia Economic Law at BMT NU Grujugan Branch, Bondowoso Regency? and how is the settlement of murabahah contract problem financing from the perspective of Sharia Economic Law at BMT NU Grujugan Branch, Bondowoso Regency?. The research method used in this research is a descriptive method with a qualitative approach with the type of field research (field reseach), the location of this research is located at BMT NU Grujugan Branch, Bondowoso Regency. The data sources used in this research are primary data and secondary data. Data obtained through interviews, observation and documentation. Then when the data has been collected then analyzed using descriptive analysis method. The results of this study indicate that the practice of murabahah contract financing at BMT NU Grujugan Branch, Bondowoso, seen from the pillars and conditions of the murabahah contract financing practice is in accordance with Islamic law. In terms of Sharia Economic Law, the settlement of murabahah contract financing can be said to be appropriate because in the practice of settlement using as-shulhu (peace) then routine billing, giving warnings, rescheduling in the DSN MUI fatwa NO.48/DSN-MUI/II/2005 is also explained, namely "Rescheduling Murabahah Bills" customers are given relief by the BMT and the final step is the sale of collateral.
Analisis Pengelolaan Keuangan Pada Kantor Dinas Perhubungan Kutacane (Dishub) Kutacane Sophia Kharisah
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 6 No. 2 (2024): Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ai.v6i2.991

Abstract

This study aims to determine how the financial management at the Kutacane Transportation Department office. Financial Management in question is Financial Management in accordance with public accounting standards. Data analysis was carried out using descriptive analysis techniques. The results of this study indicate that Financial Management has been assessed by the North Sumatra Provincial Transportation Office very much. Based on the percentage obtained from the calculation of the explanation above, 96.3% of the answers stated "Yes". While 3.7% of the interview answers stated "No", the authors concluded that the Financial Management at the North Sumatra Provincial Transportation Service Office (Dishub) Kutacane was very good.
Analisis Hukum Ekonomi Syari’ah dan Hukum Positif terhadap Kerusakan dalam Sewa-Menyewa Kost : Studi di Wisma Karnetta Putri Sukarame Bandar Lampung Dina Agustin; Yufi Wiyos Rini Masykuroh; Olivia Rizka Vinanda
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 6 No. 2 (2024): Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ai.v6i2.997

Abstract

The practice of mu'amalah activities has renting (ijarah). So in this study about the rent of the Wisma Karnetta Putri boarding house located at Gg. Nuja 1, Way Dadi Village, Sukarame District, Bandar Lampung. The main problem in this study is that there is an agreement that is not in accordance with the agreement at the beginning of the ijarah contract or rent, namely the action of the boarding house owner who coerces The tenant reimburses the damage to the facilities or items of the boarding house even though the damage is not to the tenant's fault. The formulation of the problem in this study is what are the damages incurred by tenants at Wisma Karnetta Putri Sukarame Bandar Lampung and how is . The purpose of this study is to find out What are the damages incurred by tenants at Wisma Karnetta Putri Sukarame Bandar Lampung and to find out how the Analysis of Sharia Economic Law and Positive Law on Damage in Renting a Boarding House (Study at Wisma Karnetta Putri Sukarame Bandar Lampung). The method used by the researcher in the study is a qualitative method that includes which is borne by tenants at Wisma Karnetta Putri Sukarame Bandar Lampung and to find out how the Analysis of Sharia Economic Law and Positive Law on Damage in Renting a Boarding House (Study at Wisma Karnetta Putri Sukarame Bandar Lampung). The methods used by the researcher in the research are qualitative methods that are included in field research and data collection techniques through interviews and documentation. The results of the research on the practice of renting a boarding house on the damage to renting a boarding room borne by the tenant at Wisma Karnetta Putri Sukarame Bandar Lampung are in the form of damage to the well water pump machine, lights that go off caused by lightning, and damaged water faucets, and in the lease contract (ijarah}) there are boarding house rental activities that are detrimental to other parties, namely the tenant, Because the tenant of the boarding house must replace the damage to the boarding facility even if the damage This is not due to the tenant's fault.
Kajian Maslahah Pada Pemanfaatan Sumber Daya Air Pada Usaha Air Minum Dalam Kemasan Milik Pesantren Bustanul Ulum Pragaan Di Sumenep Al-Anshori, Faekarotul Mufidah; Muttaqin Choiri
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 6 No. 2 (2024): Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ai.v6i2.1084

Abstract

This research analyzes the application of maslahah in the utilization of Water Resources (SDA) in the packaged drinking water (AMDK) business owned by Bustanul Ulum Pragaan Islamic Boarding School, Sumenep. This business contributes economically to the Islamic boarding schools and the community by creating job opportunities and playing a role in providing clean and quality drinking water. The type of research is field research using a qualitative approach. The data sources used are primary and secondary data sources. Data collection techniques include interviews, observations, and documentation. The research results show that the benefits obtained from the utilization of natural resources by the AMDK Chellep business are considered maslahah al-hajjiyah, because although it is not a basic necessity, this product facilitates the community's access to clean water. This business also considers sustainability aspects, such as waste management used by residents for daily needs and irrigation. The management of natural resources is carried out with official permission so as not to disrupt residents' access to water sources. In conclusion, the utilization of natural resources in this bottled water business not only has a positive economic impact on the Islamic boarding schools but also provides significant social contributions that align with Islamic principles. Keywords: Maslahah, Utilization of Water Resouces, Bottled Dringking Water, Islamic Boarding School
STRATEGI PEMASARAN DAN SOSIALISASI PRODUK BANK WAQAF MIKRO KEPADA MASYARAKAT PESANTREN Fikri Ali Zen; Ricky Efendy; Abdillah Ubaidi; Romli Muar
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 6 No. 2 (2024): Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ai.v6i2.1192

Abstract

This study aims to analyze effective marketing and outreach strategies to raise awareness and interest in micro waqf bank products among small communities. The research utilized a qualitative approach with a case study at An-Nur II Sharia Micro Waqf Bank. Data was gathered through in-depth interviews, field observations, and document analysis. The findings of the study indicate that successful marketing strategies involve personalized approaches, collaboration with local communities, and the use of digital media. In addition, outreach activities that provide education on the concept of waqf and sharia finance have been shown to improve understanding and interest in micro waqf bank products among small communities. This research provides practical insights for micro waqf banks to develop marketing and outreach strategies tailored to the needs of small communities, which are their primary target market.
PENERAPAN SISTEM MOBILE UGT DALAM MENINGKATKAN FREKUENSI TRANSAKSI DI BMT UGT CABANG GADANG KOTA MALANG Cita Astri Agustin; Adira Nur Fatikasari; Sherly Eky Pratiwi; Abdillah Ubaidi
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 6 No. 2 (2024): Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ai.v6i2.1193

Abstract

This research was conducted using a descriptive qualitative approach. Data was collected through observation and interviews. The data sources for this research are BMT employees in the AOSP and AOAP divisions and BMT UGT Nusantara Capem Gadang customers. The results of this research show that implementing the Mobile UGT system increases the number of transactions carried out at BMT UGT Nusantara Capem Gadang. This method is based on theories about service quality indicators, such as accountability, transaction efficiency, customer assistance, service security, ease of use, and performance. However, there is an obstacle that customers often face, namely the Mobile UGT system which requires a connection to the internet network, if the network is not available then transactions can suddenly fail. The Mobile UGT system also helps institutions synchronize field data with that in the system. The number of customers and transaction frequency increases every year showing customer interest in Mobile UGT.
Ta'widh Fee at BSI: A Review of the Shafi'i Mazhab and DSN-MUI Fatwa No. 43 of 2004 Hidayat, Hidayat
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 7 No. 1 (2025): Juni: Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ai.v7i1.1305

Abstract

Abstract: This study discusses the application of the ta'widh fee on the Hasanah Card product owned by Bank Syariah Indonesia (BSI), which is imposed on customers who are late in paying bills. In practice, this ta'widh fee resembles late fees in conventional banks, which are based on the concept of time value of money. This concept in the Islamic view includes usury, which is strictly prohibited. This research uses a library research method with a focus on the perspective of the Syafi'iyah Mazhab and the National Sharia Council Fatwa No. 43/DSN-MUI/VIII/2004. The results showed that according to the Shafi'i Mazhab, the imposition of late fines in the form of nominal money is haram, because it is a form of taking other people's property illegally. During the time of the Prophet, sanctions for lateness were more social or moral, not financial. This finding shows the difference in approach between contemporary fatwas and classical views in the application of sanctions for late payment.
Optimalisasi Pengelolaan Zakat Produktif dalam Perspektif Hukum Ekonomi Syariah dan Peraturan Perundang-undangan di Indonesia Hamidah Azzahra
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 7 No. 1 (2025): Juni: Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ai.v7i1.1472

Abstract

Productive zakat is a form of zakat distribution that is aimed at increasing the independence of mustahik through sustainable business development. In the context of sharia economic law, productive zakat is considered capable of encouraging the achievement of social justice and economic empowerment of the community if managed in accordance with sharia principles and laws and regulations. This article aims to analyze the implementation of productive zakat in Indonesia from the perspective of sharia economic law and to evaluate the suitability of its implementation with applicable regulations. The study uses a normative juridical method with a conceptual approach and a comparison between the theory of zakat fiqh and the practice of zakat institutions. Data were collected through literature reviews, documentation studies, and analysis of DSN-MUI Fatwa No. 190/2023 and Law No. 23 of 2011 concerning Zakat Management. The results of the study show that the implementation of productive zakat still faces challenges, especially in the aspects of accountability, selection of targeted mustahik, and business sustainability after capital provision. From the perspective of sharia economic law, zakat management must uphold the principles of maslahat, justice, and amanah. Therefore, an integrated productive zakat governance model is needed between sharia principles, modern management, and a transparent reporting system. In conclusion, optimizing productive zakat requires synergy between zakat institutions, regulators, academics, and the community in order to realize the function of zakat as an instrument for the development of the people's economy.

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