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Jurnal Hukum Ekonomi Syariah
Published by Sekolah Tinggi Agama Islam Al-Musaddadiyah Garut
ISSN : -     EISSN : 29627648     DOI : -
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice
JHesy adalah sebuah Jurnal online Prodi Hukum Ekonomi Syariah (Muamalah) untuk menampung berbagai Artikel berupa laporan penelitian baik dosen maupun mahasiswa yang melaksanakan penelitian ilmiah berupa Tugas Akhir, Skripsi, Hibah Penelitian, serta Pengabdian Kepada Masyarakat yang berada baik di dalam maupun diluar lingkungan Sekolah Tinggi Agama Islam Al-Musaddadiyah Garut. Dengan diterbitkannya karya ilmiah online ini diharapkan mampu mendorong semangat pendidikan dan penelitian khususnya bagi civitas akademik serta bisa memberikan kontribusi yang bermanfaat bagi masyarakat.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 122 Documents
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Prinsip-Prinsip Ekonomi Syariah dalam Al-Qur’an: Telaah Sosial dalam Tafsir Al-Azhar Sa'adah, Nismah; Dasuki , Akhmad; Ahmad , Balya Nasim
Jurnal Hukum Ekonomi Syariah Vol 3 No 2 (2024): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v3i2.1227

Abstract

The growing severity of economic inequality caused by the dominance of global capitalism highlights the urgent need for an alternative economic system that is more just and socially oriented. In response to this condition, this study addresses the issue of how the principles of Islamic economics as outlined in the Qur'an can be interpreted to offer solutions to economic injustice. The aim of this research is to analyze the principles of Islamic economics through the social interpretation approach of Buya Hamka in his work Tafsir Al-Azhar. The method employed in this study is qualitative with a descriptive-analytical approach, using content analysis techniques on several Qur'anic verses, namely QS. Ar-Ra’d verse 11, QS. Al-A’raf verse 31, QS. Al-Isra’ verses 26–29, and QS. An-Nahl verse 90. The primary data are sourced from the text of Tafsir Al-Azhar, supported by literature review and empirical data on economic inequality in Indonesia. The results indicate that Buya Hamka interprets these verses contextually with a grounded approach, emphasizing the importance of hard work, moderation in consumption, responsible wealth management, and the application of justice and ihsan principles in wealth distribution. The conclusion of this study affirms that Buya Hamka’s interpretation of Islamic economic principles is highly relevant and offers practical solutions to contemporary economic challenges, particularly in building a fair, balanced, and welfare-oriented economic system.  Keywords: Ekonomi Syariah, Tafsir Al-Azhar, Buya Hamka, Keadilan sosial;
Telaah Manajemen Sumber Daya Manusia Berbasis Al-Qur’an Surah Al-Baqarah Ayat 267 dalam Penguatan Ekonomi Umat Berbasis Syariah Komarudin, Udin; Maulin , Mery; Fathonih, Ah.; Dea, Dea
Jurnal Hukum Ekonomi Syariah Vol 4 No 1 (2025): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al-Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v4i1.1267

Abstract

This study aims to explore the role of Islamic Economic Law in providing solutions to the problem of unemployment in Mekarsari Village, Cilawu District, Garut. Unemployment is a significant challenge that hinders economic growth and community welfare in the area. Through a practical approach, this research identifies the implementation of Islamic economic principles in local economic activities, such as zakat, waqf, and sharia-based financing, which can create job opportunities. A theoretical approach is used to analyze relevant sharia concepts in the context of addressing unemployment. The research method employed is qualitative, with data collected through in-depth interviews, observation, and document analysis. The results show that the application of Islamic Economic Law, through community empowerment programs and sharia-based business development, can significantly reduce unemployment rates, strengthen MSMEs, and improve the welfare of the people in Mekarsari Village. This study is expected to contribute to the development of more effective sharia economic policies at the local level.  Keywords: Law, Islamic Economics, Unemployment, Community Empowerment;
Implementasi Khiyar ‘Aib Pada Transkasi Jual Beli Produk Fashion Muslim di Butik Inayah Menurut Hukum Islam Safera, Nurul
Jurnal Hukum Ekonomi Syariah Vol 4 No 1 (2025): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al-Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v4i1.1280

Abstract

Khiyar 'aib is the buyer's right to cancel a transaction if a defect is found in the purchased product. This study investigates the practice of khiyar 'aib in the sale and purchase of Muslim fashion products at Butik Inayah, located in Serang City. The study is motivated by findings that the seller does not take responsibility for defective products returned by consumers, arguing that the product's condition no longer meets store standards, despite the hangtag remaining attached. The objective of this research is to examine the implementation, legal conditions, and Islamic legal review of khiyar 'aib in transactions involving Muslim fashion products at Butik Inayah. A qualitative approach was employed using a case study method. Data were collected through observation, interviews, and documentation, and analyzed using the Miles and Huberman model, which involves data reduction, data display, and conclusion drawing. The results show that the implementation of khiyar 'aib at Butik Inayah does not fully align with the principles of Islamic law. The seller does not offer a refund or replacement for defective goods, based on reasons that do not meet the valid conditions of khiyar 'aib. From the perspective of Islamic law, such practices do not reflect proper consumer protection as mandated by the sharia.  Keywords: Implementation, Khiyar ‘Aib, Sales Transactions, Butik Inayah, Islamic Law.
Peran Dewan Pengawas Syariah dalam Penetapan Biaya Tagih dan Denda Murabahah di BMT Bina Insan Mandiri Karanganyar Putra, Ressa Ananda; Rosidah, Zaidah Nur
Jurnal Hukum Ekonomi Syariah Vol 4 No 1 (2025): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al-Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v4i1.1287

Abstract

The rapid growth of Sharia-based financial institutions in Indonesia shows a significant trend, where BMT or Sharia cooperatives have become one of the most favored Sharia financial institutions by the community. In Murabahah financing at KSPPS BMT Bina Insan Mandiri Karanganyar, there is an application of collection fees for visits to the homes of customers who experience delayed payments, as well as penalties for late installments. According to Sharia principles, the practice of charging penalties for late installment payments is not permitted. This raises questions about the compliance of financing practices with Sharia principles and the implementation guidelines of Murabahah based on the Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) Number 04/DSN-MUI/IV/2000, which requires the contract to be free from usury (riba). This study aims to analyze the determination of collection fees and penalty charges for late installment payments by customers, as well as to examine the role of the Sharia Supervisory Board in overseeing these two aspects in Murabahah financing. The method used in this study is field research with a qualitative approach. The results show that collection fees are a form of operational costs, such as fuel expenses, incurred to conduct visits to customers’ homes. Meanwhile, penalty charges are imposed due to customers' late installment payments. According to the Sharia Supervisory Board, collection fees can be categorized as ta’widh (compensation), while penalty charges fall under ta’zir (sanction). Keyword: Sharia Supervisory Board, Ta’widh, Ta’zir
Studi Komparatif Antara Jual Beli ‘Īnah Dan Murābaḥah Li Al-Āmir Bi Al-Shirā’ Dalam Perspektif Hukum Ekonomi Syariah Kholistyah, Uswatun; Fuadi, Rial
Jurnal Hukum Ekonomi Syariah Vol 4 No 1 (2025): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al-Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v4i1.1346

Abstract

Murābaḥah is one of the key instruments in Islamic financing, yet it is often perceived as indistinguishable from conventional credit systems. Issues such as the use of wakālah contracts and the unclear ownership status of goods by the bank have led to assumptions that this practice resembles ‘īnah transactions, which are widely criticized as a disguised form of riba (usury). This study investigates the legal status and substantive differences between the contracts of ‘īnah sale and murābaḥah li al-āmir bi al-shirā’ from the perspective of Islamic economic law. Using a qualitative method with a normative-conceptual approach, the research is based on classical and contemporary literature. The findings reveal that although the two contracts share structural similarities, they differ significantly in terms of concept, legal implications, and underlying rationale (‘illah). Murābaḥah li al-āmir bi al-shirā’ is considered more consistent with Islamic legal principles, emphasizing justice, transparency, and the avoidance of riba. These findings contribute to the development of Islamic financing models that better align with the fundamental objectives of Sharia.  Keywords: Bay‘ al-‘Īnah, Murābaḥah li al-Āmir bi al-Shirā’, Islamic Economic Law.
Penggunaan Fitur Shopee PayLater Dalam Perspektif Ekonomi Islam Dikalangan Mahasiswa Universitas Halim Sanusi Prodi Ekonomi Islam Miptahudin, Iip; Nurrahman, Ahmad Gemma
Jurnal Hukum Ekonomi Syariah Vol 4 No 1 (2025): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v4i1.1434

Abstract

This study aims to analyze the use of the Shopee PayLater feature in the perspective of Islamic economics among students of the Islamic Economics Study Program at Halim Sanusi University. The research method used is a qualitative approach with data collection techniques through observation, interviews, and documentation. The results of the study show that the majority of students use Shopee PayLater for consumptive needs, such as purchasing non-priority goods. From an Islamic economic perspective, this practice contains several elements that need to be reviewed, such as the potential for usury, gharar and consumerism that are not in accordance with the principles of maqashid sharia. In conclusion, more intensive sharia financial education is needed for students so that they are able to assess digital financial products wisely and in accordance with sharia principles.  Keywords: Shopee PayLater, Islamic Economics, Students
Analisis Implementasi Akad Murabahah di KSPPS BMT Amanah Ummah Berdasarkan Fatwa DSN dan KHES Istiana, Muflihah; Yahya, Ismail
Jurnal Hukum Ekonomi Syariah Vol 4 No 1 (2025): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al-Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v4i1.1290

Abstract

This study discusses the implementation of the Murabahah contract in the financing process and the resolution of issues such as non-performing financing and defaults at KSPPS BMT Amanah Ummah. This research employs a qualitative method with a descriptive approach. Data were obtained from primary sources such as observations and interviews, as well as secondary sources including BMT AUM archives, literature studies, and information from social media. Data analysis was conducted using observation and documentation techniques. The research findings indicate that the implementation of the Murabahah contract at BMT Amanah Ummah complies with the provisions of the Sharia Economic Law Compilation (KHES) articles 116–133 and DSN MUI Fatwa No.04/DSN-MUI/IV/2000 on Murabahah, particularly in aspects of financing, installment payments, the resolution of non-performing loans, and the provision of collateral goods. This implementation reflects BMT Amanah Ummah’s commitment to upholding sharia principles in an orderly and professional manner. Furthermore, the resolution mechanism for problematic financing is carried out through deliberative approaches and refers to Islamic economic law provisions. This study also emphasizes the importance of DSN MUI fatwas and KHES as operational guidelines for Islamic financial institutions. The findings are expected to serve as a practical reference for other Islamic cooperatives in managing Murabahah contracts. Thus, the integration of sharia regulations in financial practices can be increasingly optimal and sustainable. Keywords: Murabahah Contract, KSPPS, BMT Amanah Ummah, DSN MUI Fatwa, KHES (Compilation of Sharia Economic Law)
Tinjauan Hukum Ekonomi Islam Tentang Jual Beli Pasir Dari Hasil Penambangan Gaussian, Gini; Maulid, Ecep Imam
Jurnal Hukum Ekonomi Syariah Vol 4 No 2 (2025): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v4i2.1097

Abstract

This study aims to analyze the practice of buying and selling sand from mining activities in the perspective of Islamic Economic Law. In this context, sand is a commodity widely used in various development sectors but requires legal attention, particularly in relation to sharia principles. The research problems are formulated as follows: (1) how the sand mining practices are carried out in Ciojar River, Banyuresmi District, and (2) how Islamic Economic Law views the sand mining business practices in Ciojar River, Banyuresmi District. The objectives of this study are: (1) to examine the practices of sand mining in Ciojar River, Banyuresmi District, and (2) to analyze the perspective of Islamic Economic Law on sand mining practices in Ciojar River, Banyuresmi District. This study employs a qualitative approach with a descriptive-analytical method, examining various practices of sand trading from the perspective of Islamic Economic Law and its impacts on miners, society, and the environment. The findings reveal that although sand trading transactions are generally permissible, several elements need improvement to better comply with Islamic sharia principles and local government regulations, especially concerning licensing, management rights in mining sustainability, and fair profit distribution. This study recommends that sand mining and trading practices be more properly regulated in accordance with Islamic legal principles to achieve social justice and environmental sustainability. Keywords: Islamic Economic Law, Sand Trade, Mining, Sharia Principles.
Efektivitas Penyaluran Dana Zakat Produktif Untuk Pengembangan Usaha Mikro Mustahik di BAZNAS Kabupaten Garut Sulthonuddin, Bung Hijaj; Safitri, Hafsah
Jurnal Hukum Ekonomi Syariah Vol 4 No 2 (2025): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v4i2.1134

Abstract

The National Amil Zakat Agency (BAZNAS) of Garut Regency has a program for the productive distribution of zakat funds with the hope of long-term benefits. However, in Garut Regency, the community is still unfamiliar with this program. The problem formulation includes a description of the productive zakat distribution, its distribution, and the effectiveness of productive zakat distribution. This research is a qualitative descriptive study aimed at determining the effectiveness of productive zakat fund distribution for micro-business mustahik. Data collection techniques used interviews and documentation. The results of this study can be concluded that the distribution of productive zakat funds to develop micro-business mustahik is 100% included in the Garut Makmur program, with business assistance funds distributed through two methods: potential mapping and proposal submission. Meanwhile, the effectiveness indicators use the theory from Ni Wayan Budiani, namely: program target accuracy, program socialization, program objectives, and program monitoring. The results show that the indicator of program target accuracy is already effective, while the indicators of program socialization, program monitoring, and program objectives are considered not yet effective. Keywords: Effectiveness; Productive Zakat; Mustahik Micro Business;
Analisis Perspektif Hukum Ekonomi Syariah Terhadap Praktik Pengalihan Uang Kembalian Menjadi Barang Sulthonuddin, Bung Hijaj; Yani, Neng Lilis
Jurnal Hukum Ekonomi Syariah Vol 4 No 2 (2025): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v4i2.1151

Abstract

In buying and selling transactions, change plays an important role. However, in this modern era, coins are increasingly difficult to find, so many traders, including Toko Nuri in Cisurupan District, Garut Regency, replace change with candy. . Formulation of the problem: what is the transaction mechanism for transferring change for payments at Toko Nuri, what is the sharia economic law analysis regarding the form of transferring change for transactions at Toko Nuri. This research aims to understand the mechanism for transferring change and analyze sharia economic laws related to this practice. The method used is field research with a qualitative approach. The research results show that the transaction mechanism at Toko Nuri includes selecting goods, calculating, paying and transferring change. The practice of converting change into goods triggers mixed opinions from consumers; some feel uncomfortable and prefer change in cash, while others don't mind. From the perspective of sharia economic law, this practice can cause problems if it is not approved by consumers, considering the importance of consent and fairness in transactions. Keywords: Sharia Economic Law; transfer of change; other goods

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