Al-Arfa: Journal of Sharia, Islamic Economics and Law
FOCUS Al-Arfa: Journal of Sharia, Islamic Economics and Law provides scientific articles developed in attending through the article publications, original research report, reviews, and scientific commentaries in economics. SCOPE Al-Arfa: Journal of Sharia, Islamic Economics and Law encompasses research papers from researcher, academics, and practitioners. In particular, papers which consider the following general topics are invited: Shariah Islamiyah Fiqh and Ushul al-Fiqh Maqasid al-Sharia Islamic Banking Islamic Microfinance Islamic Marketing Islamic Finance Zakat and Waqf Islamic Capital Markets Insurance and Takaful Corporate Social Responsibility in Islam Fatwa and Islamic Jurisprudence Islamic Family Law Islamic Economic Law Islamic Criminal Law Islamic Constitutional Law Islamic Philanthropy
Articles
45 Documents
<![CDATA[Buying And Selling Gold In A Non-Cash Perspective On Sharia (Analytic Study On Fatwa Of The National Sharia Council Number 77 Of 2010) ]]>
<![CDATA[Muhammad Faqih Abdillah]]>
<![CDATA[ Al-Arfa: Journal of Sharia, Islamic Economics and Law Vol. 1 No. 1 (2023) ]]>
Publisher : <![CDATA[Penerbit Hellow Pustaka ]]>
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DOI: 10.61166/arfa.v1i1.1
<![CDATA[Buying and selling gold in cash is a form of gold sale and purchase agreement where payment is terminated and paid in installments within a predetermined timeframe. The current rapid economic growth has made so many Islamic banking institutions or other Islamic financial institutions offer gold installment products. Seeing the development of gold which always rises from year to year makes this business very tempting. At first glance there is no problem with buying and selling gold in cash, but in existing hadiths such as the hadith from Abu Sa'id al-Khudriy ra., and Ubadah bin Shamit ra., it is explained that it is not permissible to sell ribawi items with others. other ribawi items, except cash. It is also not permissible to sell it on credit, even though the two are of different types and sizes. But in the DSN-MUI fatwa No. 77/DSN-MUI/V/2010 concerning buying and selling gold in cash which was issued on June 3 2010, DSN-MUI states that buying and selling in cash is permissible (mubah), as long as gold does not become the official medium of exchange (money). ), either through ordinary buying and selling or buying and selling murabaha. It is interesting to study the reason for this fatwa being issued and the suitability of the legal advice of the DSN-MUI with the legal advice of the MUI in issuing this fatwa. In this study it can be concluded that: the reasons for the permissibility of buying and selling gold in cashless manner in the DSN-MUI fatwa No. 77/DSN-MUI/V/2010, DSN-MUI interprets the hadith of the Prophet SAW regarding buying and selling gold in a contemporary (contextual) way. This can be seen from the opinion of the DSN-MUI which states that gold and silver are goods (sil'ah) that are sold and bought like ordinary goods, and no longer saman (price, money). So that the result of the DSN-MUI's legal advice on buying and selling gold in cash is considered permissible (mubah).]]>
<![CDATA[Gold Pawn Analysis On Islamic Banking Gold Partner Products Maslahah In Bank Jabar Banten Sharia Indramayu Branch Office ]]>
<![CDATA[Khoirul Izzah]]>
<![CDATA[ Al-Arfa: Journal of Sharia, Islamic Economics and Law Vol. 1 No. 1 (2023) ]]>
Publisher : <![CDATA[Penerbit Hellow Pustaka ]]>
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DOI: 10.61166/arfa.v1i1.2
<![CDATA[The contract used for gold pawning on gold partner products IB maslahah at Bank Jabar Banten Syariah Indramayu Sub-Branch Office uses a multi-contract which is structured in qard contracts, rahn contracts and ijarah contracts. Adhering to the DSN fatwa No.26/DSN-MUI/III/2002 and the Civil Code (KUHPerdata) articles 1150-1160 and to the ijarah contract which functions as an ujrah (fee), where the customer agrees to the DSN fatwa No. 09/DSN-MUI/IV/2000 giving ujrah to banks for bank services in storing and maintaining customer gold . The view of muamalah fiqh in the implementation of gold pawning on gold partner products IB maslahah at Bank Jabar Banten Syariah Indramayu Sub-Branch Office regarding the contract is the gold pawning contract used in Islamic banking, especially at Bank Jabar Banten Syariah has 3 (three) contracts, namely, qard contract (cooperation contract), rahn (pawn) contract and ijarah contract (leasing), the three contracts are used in one transactions or what we call multi-contracts ( hybrit contracts). Multi-contract activities in the Islamic economy itself have opinion Which different with activity multi-contract Alone. In classical muamalah fiqh pawning gold which has an element of merging contracts between buying and selling and leasing is strictly prohibited, due to fear of elements of usury. However, contemporary muamalah fiqh expert Erwandi Tarmizi allows the existence of multiple rahn and qard contracts. in which there is an ijarah contract with conditions, Islamic banks must provide two choices to customers.]]>
<![CDATA[The Influence of Knowledge of Madrasah Teachers About Wadiah Savings Products and Interests Becoming a Customer at a Sharia Bank in Indramayu ]]>
<![CDATA[Leli Kurniati]]>
<![CDATA[ Al-Arfa: Journal of Sharia, Islamic Economics and Law Vol. 1 No. 1 (2023) ]]>
Publisher : <![CDATA[Penerbit Hellow Pustaka ]]>
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DOI: 10.61166/arfa.v1i1.3
<![CDATA[The presence of Islamic banks in the midst of society is a solution or answer to the anxiety of prospective customers who want to obtain banking services without having to be familiar with usury, especially the Muslim community knows that usury is not permitted in Islamic law, therefore Islamic banking is here to answer that problem. However, the community's response was very diverse with the presence of Islamic banking, there were those who fully supported the presence of Islamic banking, there were those who refused and there were those who did not know that Islamic banking was present in their midst. community role model. One of the influential figures in society is that there are still many who have not used sharia banking services. This type of research uses a qualitative approach with the method used frequency distribution which aims to find out how much knowledge Madrasah Diniyah Takmiliyah Awaliyah Teachers have about Wadiah Savings Products and their interest in becoming customers at Islamic Banks, while data collection uses questionnaires or questionnaires which are distributed to all Village MDTA Teachers Jatisawit, Indramayu Regency. The conclusions that can be obtained are as follows: For a long time, Knowledge of Madrasah Diniyah Takmiliyah Awaliyah Teachers about Wadiah Savings is very knowledgeable at a percentage of 51.25%. Second , the interest of Madrasah Diniyah Takmiliyah Awaliyah teachers regarding wadiah savings products for their interest in becoming customers is very high because the percentage is 60%.]]>
<![CDATA[Understanding of Religious Figures on Mudharabah Contracts in Sharia Financing Products in Rembatan Wetan Village ]]>
<![CDATA[Siti Milha Faujiah]]>
<![CDATA[ Al-Arfa: Journal of Sharia, Islamic Economics and Law Vol. 1 No. 1 (2023) ]]>
Publisher : <![CDATA[Penerbit Hellow Pustaka ]]>
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DOI: 10.61166/arfa.v1i1.4
<![CDATA[Over time, the development of Islamic banks in Indramayu will be very rapid but in the development of this Islamic bank there is a problem Which arise from villages in Indramayu where the people don't really understand about products Which There is sharia banking. Type study This use approach qualitative with method Which used frequency distribution _that is aim For know how much big understanding figure religion to contract mudharabah on product financing sharia in the village Expedition Wetan district Sindang Regency. indramayu, whereas collection data use questionnaire or questionnaire Which shared to whole religious leaders in the village of Rambatan Wetan. Conclusion Which can obtained as following : First, understanding the characters religion towards Sharia Banking understand or know by presentation 50% . Second, with the percentage of 35% of religious figures not understand challenge contract mudharabah.]]>
<![CDATA[Strategy Marketing In Increase Amount Customer Financing Bank Sharia In Indramayu ]]>
<![CDATA[Sharifah]]>
<![CDATA[ Al-Arfa: Journal of Sharia, Islamic Economics and Law Vol. 1 No. 1 (2023) ]]>
Publisher : <![CDATA[Penerbit Hellow Pustaka ]]>
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DOI: 10.61166/arfa.v1i1.5
<![CDATA[This article aims to explore how marketing strategies are used to increase the number of financing customers at Bank Jabar Banten Syariah KCP Indramayu, and what are the obstacles faced by marketing lending in increasing the number of financing customers at Bank Jabar Banten Syariah KCP Indramayu. The research method used in this study is a type of field research using qualitative research methods. The research method used to examine the condition of natural objects that describe a data in the form of writing, pictures, and numbers that have been obtained in the form of a narrative. From the research results obtained, the marketing strategy used by Bank Jabar Banten Syariah KCP Indramayu is a strategy that is used in general such as the marketing mix which includes product, price, distribution, promotion by advertising, personal selling, sales promotion and also publicity. Apart from using this strategy, there are several more specific strategies, namely by conducting a Memorendum of Understanding (MoU), Top Up and outreach. And the obstacles faced by marketing lending are rate competition for third party funds with other banks, obstacles in the process of disbursing funds which can be considered quite long compared to other banks. And another obstacle is the lack of understanding from the public about Islamic Banks.]]>
<![CDATA[Buying And Selling Gold In A Non-Cash Perspective On Sharia (Analytic Study On Fatwa Of The National Sharia Council Number 77 Of 2010) ]]>
<![CDATA[Muhammad Faqih Abdillah]]>
<![CDATA[ Al-Arfa: Journal of Sharia, Islamic Economics and Law Vol. 1 No. 1 (2023): Transformative Islamic Economics and Law ]]>
Publisher : <![CDATA[Penerbit Hellow Pustaka ]]>
Show Abstract
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Download Original
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Original Source
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Check in Google Scholar
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DOI: 10.61166/arfa.v1i1.1
<![CDATA[Buying and selling gold in cash is a form of gold sale and purchase agreement where payment is terminated and paid in installments within a predetermined timeframe. The current rapid economic growth has made so many Islamic banking institutions or other Islamic financial institutions offer gold installment products. Seeing the development of gold which always rises from year to year makes this business very tempting. At first glance there is no problem with buying and selling gold in cash, but in existing hadiths such as the hadith from Abu Sa'id al-Khudriy ra., and Ubadah bin Shamit ra., it is explained that it is not permissible to sell ribawi items with others. other ribawi items, except cash. It is also not permissible to sell it on credit, even though the two are of different types and sizes. But in the DSN-MUI fatwa No. 77/DSN-MUI/V/2010 concerning buying and selling gold in cash which was issued on June 3 2010, DSN-MUI states that buying and selling in cash is permissible (mubah), as long as gold does not become the official medium of exchange (money). ), either through ordinary buying and selling or buying and selling murabaha. It is interesting to study the reason for this fatwa being issued and the suitability of the legal advice of the DSN-MUI with the legal advice of the MUI in issuing this fatwa. In this study it can be concluded that: the reasons for the permissibility of buying and selling gold in cashless manner in the DSN-MUI fatwa No. 77/DSN-MUI/V/2010, DSN-MUI interprets the hadith of the Prophet SAW regarding buying and selling gold in a contemporary (contextual) way. This can be seen from the opinion of the DSN-MUI which states that gold and silver are goods (sil'ah) that are sold and bought like ordinary goods, and no longer saman (price, money). So that the result of the DSN-MUI's legal advice on buying and selling gold in cash is considered permissible (mubah).]]>
<![CDATA[Gold Pawn Analysis On Islamic Banking Gold Partner Products Maslahah In Bank Jabar Banten Sharia Indramayu Branch Office ]]>
<![CDATA[Khoirul Izzah]]>
<![CDATA[ Al-Arfa: Journal of Sharia, Islamic Economics and Law Vol. 1 No. 1 (2023): Transformative Islamic Economics and Law ]]>
Publisher : <![CDATA[Penerbit Hellow Pustaka ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.61166/arfa.v1i1.2
<![CDATA[The contract used for gold pawning on gold partner products IB maslahah at Bank Jabar Banten Syariah Indramayu Sub-Branch Office uses a multi-contract which is structured in qard contracts, rahn contracts and ijarah contracts. Adhering to the DSN fatwa No.26/DSN-MUI/III/2002 and the Civil Code (KUHPerdata) articles 1150-1160 and to the ijarah contract which functions as an ujrah (fee), where the customer agrees to the DSN fatwa No. 09/DSN-MUI/IV/2000 giving ujrah to banks for bank services in storing and maintaining customer gold . The view of muamalah fiqh in the implementation of gold pawning on gold partner products IB maslahah at Bank Jabar Banten Syariah Indramayu Sub-Branch Office regarding the contract is the gold pawning contract used in Islamic banking, especially at Bank Jabar Banten Syariah has 3 (three) contracts, namely, qard contract (cooperation contract), rahn (pawn) contract and ijarah contract (leasing), the three contracts are used in one transactions or what we call multi-contracts ( hybrit contracts). Multi-contract activities in the Islamic economy itself have opinion Which different with activity multi-contract Alone. In classical muamalah fiqh pawning gold which has an element of merging contracts between buying and selling and leasing is strictly prohibited, due to fear of elements of usury. However, contemporary muamalah fiqh expert Erwandi Tarmizi allows the existence of multiple rahn and qard contracts. in which there is an ijarah contract with conditions, Islamic banks must provide two choices to customers.]]>
<![CDATA[The Influence of Knowledge of Madrasah Teachers About Wadiah Savings Products and Interests Becoming a Customer at a Sharia Bank in Indramayu ]]>
<![CDATA[Leli Kurniati]]>
<![CDATA[ Al-Arfa: Journal of Sharia, Islamic Economics and Law Vol. 1 No. 1 (2023): Transformative Islamic Economics and Law ]]>
Publisher : <![CDATA[Penerbit Hellow Pustaka ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
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DOI: 10.61166/arfa.v1i1.3
<![CDATA[The presence of Islamic banks in the midst of society is a solution or answer to the anxiety of prospective customers who want to obtain banking services without having to be familiar with usury, especially the Muslim community knows that usury is not permitted in Islamic law, therefore Islamic banking is here to answer that problem. However, the community's response was very diverse with the presence of Islamic banking, there were those who fully supported the presence of Islamic banking, there were those who refused and there were those who did not know that Islamic banking was present in their midst. community role model. One of the influential figures in society is that there are still many who have not used sharia banking services. This type of research uses a qualitative approach with the method used frequency distribution which aims to find out how much knowledge Madrasah Diniyah Takmiliyah Awaliyah Teachers have about Wadiah Savings Products and their interest in becoming customers at Islamic Banks, while data collection uses questionnaires or questionnaires which are distributed to all Village MDTA Teachers Jatisawit, Indramayu Regency. The conclusions that can be obtained are as follows: For a long time, Knowledge of Madrasah Diniyah Takmiliyah Awaliyah Teachers about Wadiah Savings is very knowledgeable at a percentage of 51.25%. Second , the interest of Madrasah Diniyah Takmiliyah Awaliyah teachers regarding wadiah savings products for their interest in becoming customers is very high because the percentage is 60%.]]>
<![CDATA[Understanding of Religious Figures on Mudharabah Contracts in Sharia Financing Products in Rembatan Wetan Village ]]>
<![CDATA[Siti Milha Faujiah]]>
<![CDATA[ Al-Arfa: Journal of Sharia, Islamic Economics and Law Vol. 1 No. 1 (2023): Transformative Islamic Economics and Law ]]>
Publisher : <![CDATA[Penerbit Hellow Pustaka ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.61166/arfa.v1i1.4
<![CDATA[Over time, the development of Islamic banks in Indramayu will be very rapid but in the development of this Islamic bank there is a problem Which arise from villages in Indramayu where the people don't really understand about products Which There is sharia banking. Type study This use approach qualitative with method Which used frequency distribution _that is aim For know how much big understanding figure religion to contract mudharabah on product financing sharia in the village Expedition Wetan district Sindang Regency. indramayu, whereas collection data use questionnaire or questionnaire Which shared to whole religious leaders in the village of Rambatan Wetan. Conclusion Which can obtained as following : First, understanding the characters religion towards Sharia Banking understand or know by presentation 50% . Second, with the percentage of 35% of religious figures not understand challenge contract mudharabah.]]>
<![CDATA[Strategy Marketing In Increase Amount Customer Financing Bank Sharia In Indramayu ]]>
<![CDATA[Sharifah]]>
<![CDATA[ Al-Arfa: Journal of Sharia, Islamic Economics and Law Vol. 1 No. 1 (2023): Transformative Islamic Economics and Law ]]>
Publisher : <![CDATA[Penerbit Hellow Pustaka ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.61166/arfa.v1i1.5
<![CDATA[This article aims to explore how marketing strategies are used to increase the number of financing customers at Bank Jabar Banten Syariah KCP Indramayu, and what are the obstacles faced by marketing lending in increasing the number of financing customers at Bank Jabar Banten Syariah KCP Indramayu. The research method used in this study is a type of field research using qualitative research methods. The research method used to examine the condition of natural objects that describe a data in the form of writing, pictures, and numbers that have been obtained in the form of a narrative. From the research results obtained, the marketing strategy used by Bank Jabar Banten Syariah KCP Indramayu is a strategy that is used in general such as the marketing mix which includes product, price, distribution, promotion by advertising, personal selling, sales promotion and also publicity. Apart from using this strategy, there are several more specific strategies, namely by conducting a Memorendum of Understanding (MoU), Top Up and outreach. And the obstacles faced by marketing lending are rate competition for third party funds with other banks, obstacles in the process of disbursing funds which can be considered quite long compared to other banks. And another obstacle is the lack of understanding from the public about Islamic Banks.]]>
