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Jurnal Syariah dan Ekonomi Islam (JSEI)
Published by IAI Almuslim Aceh
ISSN : 30469597     EISSN : 30469589     DOI : -
Core Subject : Economy, Science, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice
Jurnal Syariah dan Ekonomi Islam (JSEI) adalah jurnal double blind peer-reviewed yang diterbitkan oleh Fakultas Syariah dan Ekonomi Islam (FSEI) Institut Agama Islam (IAI) Almuslim Aceh, Indonesia. Jurnal ini merupakan media yang menyajikan penelitian dan pengembangan serta pemikiran-pemikiran yang fokus di bidang syariah dan ekonomi Islam baik dalam ruang lingkup studi kepustakaan terkait hukum keluarga, perbankan syariah dan ekonomi syariah dengan beberapa subjek seperti: Pembiayaan, investasi, dan asuransi syariah; Tabungan dan deposito syariah; Pengembangan perbankan syariah; Keuangan syariah; Manajemen, pemasaran, dan teknologi finansial; Muamalah dan ekonomi Islam; Perkawinan dan penceraian; Waris dan perwalian; Hak asuh anak dan adopsi; Perjanjian pranikah.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 55 Documents
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PRAKTIK GALA UMONG  DAN DAMPAKNYA TERHADAP PEREKONOMIAN MASYARAKAT PERSPEKTIF EKONOMI SYARIAH Makraja, Fahmi; Kefi Miftachul Ulum; Rangga Suganda; Rodhotun Nimah; Maulida Khairunnisa
Jurnal Syariah dan Ekonomi Islam Vol 3 No 1 (2025): Jurnal Syariah dan Ekonomi Islam
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/q82fp508

Abstract

Abstract: The practice of gala umong carried out in the community is an alternative option in solving the economic problems they face. The fundamental reason for implementing gala umong among the community is because the process of carrying out the contract is very short and does not require a long time. Gala umong is a term often heard in Acehnese society which means pawn of rice fields. Gala umong is almost practiced throughout the entire Aceh region, including Gampong Pusu Ingin Jaya, Manggeng District, Southwest Aceh Regency. The practice of gala umong is carried out as an alternative in order to solve the economic problems they face. Gala gatherings are held between neighbors or close relatives. This research uses a descriptive qualitative approach by further exploring the practice of gala umong among the community. The results of this research show that the gala umong held in Pusu Ingin Jaya Village had a very big impact on the community's economic sector. The positive impact is that rice field owners can earn money in the near future to finance their daily needs, start a business and pay educational costs. The negative impact felt by rahin and murtahin is increasing social inequality and reducing farmers' livelihoods due to their rice fields being used as collateral. When viewed from a sharia economic perspective, the implementation of the gala umong that occurred in Pusu Ingin Jaya Village was not in accordance with the binding elements in it. There are some pledge requirements that have not been fulfilled, namely there is no written evidence and no witnesses. Keywords: Pawn, Akad Rahn, Gala umong,   Abstrak Praktik gala umong yang dilakukan di tengah masyarkat merupakan salah satu pilihan alternatif dalam meneyelesaikan permasalahan ekonomi yang dihadapinya. Alasan fundamental dilaksanakannya gala umong dikalangan masyarakat adalah karena proses pelaksanaan akadnya yang sangat singkat dan tidak memerlukan waktu yang lama. Gala umong merupakan sebutan yang sering terdengar di masyarakat Aceh yang berarti gadai sawah. Gala umong hampir dipraktikkan diseluruh wilayah Aceh termasuk Gampong Pusu Ingin Jaya Kecamatan Manggeng Kabupaten Aceh Barat Daya. Praktik gala umong dilakukan sebagai alternatif dalam rangka menyelesaikan permasalah ekonomi yang dihadapinya. Gala umong dilakukan antar tetangga ataupun kerabat dekat. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan menelusuri lebih jauh praktik gala umong di kalangan masyarkat. Hasil penelitian ini menunjukkan bahwa, gala umong yang dilakukan di gampong Pusu Ingin Jaya sangat sangat berdampak pada sektor perekonomian masyarakat. Dampak positifnya adalah para pemilik sawah dapat memperoleh uang dalam waktu dekat untuk membiayai kebutuhan sehari-hari, mudal usaha dan membayar biaya pendidikan. Adapun dampak negatifnya yang dirasakan oleh rahin dan murtahin adalah meningkatnya kesenjangan sosial dan mengurangi mata pencaharian petani akibat sawahnya dijadikan barang jaminan. Apabila dilihat dari perspektif ekonomi syariah pelaksanaan gala umong yang terjadi di gampong Pusu Ingin Jaya belum sesuai dengan unsur yang mengikat didalamnya. Terdapat sebagian dari syarat-syarat gadai yang belum terpenuhi yaitu tidak ada bukti tertulis dan tidak ada saksi.   Kata Kunci: Gadai, Akad Rahn, Gala umong
MODEL TRANSAKSI BERBASIS FINTECH SYARIAH PERSPEKTIF FIKIH MUAMALAH Muhammad Sauqi; Alya Rohani; Mar’atun Solehah
Jurnal Syariah dan Ekonomi Islam Vol 3 No 1 (2025): Jurnal Syariah dan Ekonomi Islam
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/zj6he745

Abstract

The development of information and communication technology, the financial industry has undergone changes for the digital revolution, triggered by the presence of fintech (financial technology). Sharia fintech, as a special variant in the digital financial ecosystem, presents a breakthrough in financial services that are in line with Islamic ethical values. The discovery of sharia-based fintech businesses not only offers transaction solutions that are in accordance with sharia principles, but also plays a strategic role in opening wider financial access for the community. Fiqh muamalah is a branch of science that regulates social relations and economic transactions in the Muslim community. Using the development of technology, especially in the financial sector, the emergence of sharia fintech as an interesting phenomenon to study. The rapid development of technology forms processes in the financial sector that are also developing. This incident makes it easier for residents to get financing, especially for business capital or to maintain the continuity of the business they are running. The purpose of this study is to study how to apply the principles of fiqh muamalah in the sharia fintech business model. The research used uses a qualitative research method with a literature study method and a case study.
QIYAS DALAM SUMBER HUKUM ISLAM Airin Aprillia
Jurnal Syariah dan Ekonomi Islam Vol 3 No 1 (2025): Jurnal Syariah dan Ekonomi Islam
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/ag2m0b03

Abstract

Sumber hukum Islam yang disepakati jumhur ulama adalah Al-Qur‟an, Hadits, Ijma’ dan Qiyas. Sedangkan sumber hukumIslam yang masih diperselisihkan di kalangan para ulama selainsumber hukum yang empat di atas adalah istihsan, maslahahmursalah, istishab, huruf, madzhab asShahabi, syar’u man qablana. Sebagian ulama menyebutkan enam sumber hukumyang masih diperselisihkan itu sebagai dalil hukum bukansumber hukum, namun yang lainnya menyebutkan sebagaimetode ijtihad. Qiyas sebagai salah satu sumber hukum dalamIslam maka kedudukan qiyas sebagai berikut: Pertama, Qiyastermasuk dapat dijadikan hujjah atau dalil atas hukum-hukummengenai perbuatan manusia dan menduduki martabat atauposisi keempat diantara hujjah-hujjah syar’iyah, denganpengertian apabila tidak didapati dalam suatu kejadian ituhukum menurut nash atau ijma’. Kedua, Qiyas merupakan suatucara penggunaan ra’yu untuk menggali hukum syara’ dalam hal-hal yang nash al-Qur’an dan sunnah tidak menetapkanhukumnya secara jelas. dan Ketiga, Tidak ada dalil ataupetunjuk pasti yang menyatakan bahwa qiyas dapat dijadikandalil syara’ untuk menetapkan hukum. Juga tidak ada petunjukyang membolehkan mujtahid menetapkan hukum syara’ di luaryang ditetapkan oleh nash. Oleh karena itu terdapat perbedaan pendapat tentang kedudukan qiyas sebagai dalil hukum syara’
AL-IJÂRAH AL-MUMTAHIYAH BI AL-TAMLÎK: TELAAH SOSIOLOGIS, FILOSOFIS DAN YURIDIS Noor Salim, Muhammad Firliadi
Jurnal Syariah dan Ekonomi Islam Vol 3 No 1 (2025): Jurnal Syariah dan Ekonomi Islam
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/kghmx735

Abstract

With the increasing demands of modern life and limited financial resources, rent-to-own transactions have become a popular option for individuals to acquire goods without upfront full payment. While widely adopted by conventional financial institutions, these systems often lead to high-interest burdens, creating financial strain for consumers. In response, Islamic Financial Institutions (IFIs) have sought to develop equitable and Sharia-compliant financing products, such as the al-Ijârah al-Mumtahiyah bi al-Tamlîk (IMBT) contract. This innovative contract combines a lease (ijârah) with a promise of ownership at the end of the lease term, offering a more transparent and just alternative. This study employs a qualitative research methodology with juridical-normative and descriptive-analytical approaches. Data was gathered through literature and document studies, encompassing sources like the Qur'an, Hadith, DSN-MUI fatwas, relevant Indonesian laws and regulations, and Islamic legal and economic literature. The primary focus is to analyze the concept, legal basis, and philosophy of both ijârah and IMBT contracts within the practical context of Islamic financial institutions in Indonesia. This approach facilitates a deep understanding of IMBT's implementation, ensuring it is transparent and free from elements of usury (riba), excessive uncertainty (gharar), and speculation (maysir). The findings demonstrate that the IMBT contract offers a fair and flexible Sharia-compliant financing solution, meeting the modern community's need for asset acquisition. Philosophically, ijârah and IMBT are grounded in principles of justice, mutual consent (ridha), and reciprocal benefit (consensualism), reflecting the interdependent nature of human social and economic interactions. Furthermore, IMBT holds a strong legal foundation within Indonesia's positive legal system, being regulated by various laws and DSN-MUI fatwas. This robust regulatory framework affirms IMBT's status as a legitimate and binding contract that fully adheres to Sharia principles.
TINJAUAN MAFSADAH MASLAHAH TERHADAP PERNIKAHAN USIA DINI KARENA PAKSAAN ORANG TUA DI KECAMATAN PEUSANGAN KABUPATEN BIREUEN Azhari
Jurnal Syariah dan Ekonomi Islam Vol 3 No 1 (2025): Jurnal Syariah dan Ekonomi Islam
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/c04kdy44

Abstract

Islam as a guideline for human life to achieve true happiness, both worldly andhereafter happiness. In the Qur'an it is stated that, marriage is happiness (sakinah).From marriage it is expected to get offspring, tranquility and peace. Early marriagethat has occurred lately because it usually leads to disobedience and adulterywhose victims are mostly young people. Pros and cons have emerged against earlymarriage, some support it and some reject it. This study aims: 1) to find out theimplementation of early marriage in Peusangan District, Bireuen Regency, (2) tofind out the Islamic legal review of early marriage in Peusangan District, BireuenRegency. This study is a field study using a qualitative approach, implemented inPeusangan District, Bireuen Regency. Data collection techniques throughinterviews, observation and documentation. Data analysis techniques are carriedout through data reduction, data presentation and data verification. The results ofthe study indicate that early marriage in Peusangan District is due to economicfactors, dating factors, mutual liking factors, and family customs factors that havebecome habits. However, households that marry at an early age are lessharmonious and happy, because there are often household disputes and quarrels.A review of Islamic law on early marriage in Peusangan District, Regency,according to Islamic law, the opinion of religious leaders is valid, the mostimportant thing is that the marriage meets the requirements and pillars of marriage.However, on the other hand, we must also look at the benefit side.
RESIKO PEMBIAYAAN MURABAHAH PADA NASABAH MENINGGAL DUNIA DI Bank Aceh Syariah Capem MalikulsalehBank Aceh Syariah Capem Malikulsaleh Maysarah
Jurnal Syariah dan Ekonomi Islam Vol 1 No 1 (2023): Jurnal Syariah dan Ekonomi Islam
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/qxjrmw32

Abstract

In financing that is channeled of course there are various kinds of risks that may be faced one of which is financing risk. Financing risk is the risk that occurs due to the failure of members to fulfill their obligations namely in the form of installment payments both the principal of the financing and the margin/financing profit sharing. One of the risks that causes the return of financing is hampered and even becomes jammed, one of which is a disaster such as the death of a customer. In this case the author is interested in researching the Risks of Murabahah Financing on Customers Diing (Case Study of Bank Aceh Shariah Capem Malikulsaleh). To solve the existing problems the author uses a type of field research using a qualitative descriptive approach. The method of data collection that the authors use is the method of interviews, observation, and documentation. In analyzing the data, the researcher summarizes the results of the research by focusing on important things or looking for themes from the research, then the researcher presents the results of his research in the form of a short description that is easy to understand. Research Results Settlements made at the risk of murabahah financing for customers who have died with collateral, this collateral can be in the form of goods or insurance, collateral for objects in the form of collateral in the form of assets if the customer is unable to pay off the debt then the guarantee will be confiscated. The second guarantee is an insurance guarantee that if something unexpected happens such as the death of the customer, the heirs can submit an insurance claim to pay off the customer's debt
pengaruh kualitas layanan mobile banking terhadap kepuasan nasabah pada pt. bank aceh syariah cabang bireuen NURUL ULFA
Jurnal Syariah dan Ekonomi Islam Vol 1 No 1 (2023): Jurnal Syariah dan Ekonomi Islam
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/xfjgt736

Abstract

The rapid development of technology is directly utilized by the banking industry, especially Islamic banking by bringing up digital product innovations. Mobile banking is one of a series of technological advances that aim to facilitate customer transactions and provide information to customers through the features provided. In the development of digital products, service quality is the most important thing because it is directly felt by customers, so that it will form customer satisfaction in using a product. The method used in this study is quantitative research method. The variables of his research are service quality (X) and satisfaction (Y). The data collection technique was carried out through a questionnaire, the sample taken amounted to 82 respondents using incidental sampling techniques. The analysis tool uses IBM SPSS Statistic 22 which includes validity tests, reliability tests, classical assumption tests, simple linear regression analysis, determination coefficients, T hypothesis tests. The results showed that the quality of mobile banking services affects customer satisfaction at PT. Bank Aceh Syariah Bireuen Branch, this is seen from the results of the t count value of mobile banking service quality on customer satisfaction of 2,054 with a significance of 0,043 < 0,05 while the t table value is 1,663 < 2,054 t count. So the value of t count is greater than t table, this shows that Ho is rejected and Ha is accepted which states that the quality of mobile banking services has a significant effect on customer satisfaction.
PENGARUH AKAD PENDANAAN (FUNDING) TERHADAP KEPUASAN NASABAH PADA BANK ACEH SYARIAH CAPEM KOTA JUANG Syifa Ul Husna
Jurnal Syariah dan Ekonomi Islam Vol 1 No 2 (2023): Jurnal Syariah dan Ekonomi Islam
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/vygcb785

Abstract

Syariah institutions currently have sharia-based products and are in great demand by the public, because people gradually begin to know and realize that syariah funding products have characteristics and concepts that are different from other institutions. With the good quality of a funding product, this will also have a positive impact on customer satisfaction. So in this case the author wants to examine the relationship between good funding and customer satisfaction at Bank Aceh Syariah Capem Kota Juang. The hypotheses in this study are funding contracts and customer satisfaction. Based on the results of research conducted through the data collection stage by distributing questionnaires to 65 customers with various statements and questions and tested using the SPSS version 25 application. It can be concluded that in the t-Test Coefficient table (partial) it can be seen that the value of t counts the funding agreement variable (funding) is 9.673 > 1.998, and the significance value is 0.000 <0.05. then it can be decided that the funding contract variable (X) has a positive effect on customer satisfaction.
ANALISIS ETIKA BISNIS ISLAM TERHADAP USAHA KULINER DI KABUPATEN BIREUEN Zahari
Jurnal Syariah dan Ekonomi Islam Vol 1 No 1 (2023): Jurnal Syariah dan Ekonomi Islam
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/vtva5217

Abstract

This research investigates culinary business practices in Bireuen, emphasizing the concepts of halal, food safety, and the formalities hindering Micro, Small, and Medium Enterprises (MSMEs). The findings reveal a high awareness among business owners regarding Islamic business ethics and food safety. However, formalities such as obtaining permits from the National Agency of Drug and Food Control (BPOM) and halal certification from the Indonesian Ulema Council (MUI) pose challenges, particularly for MSMEs with limited capital. Respondents express a strong intention to enhance the quality and halal status of their food products. The research results underscore the need for government involvement in providing financial support and guidance to foster sustainable growth in the culinary industry while adhering to Islamic business ethics standards.
IMPLEMENTASI MANAJEMEN RISIKO PEMBIAYAAN TERHADAP NASABAH MACET PADA BANK SYARIAH INDONESIA KCP SYIAH UTAMA 2 ACEH Nisa; Junaidi; Muslim; Nurazizah, Nisa
Jurnal Syariah dan Ekonomi Islam Vol 1 No 1 (2023): Jurnal Syariah dan Ekonomi Islam
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/8ysdw236

Abstract

This research was conducted to determine the factors of the occurrence of problem financing and the application of risk management in an effort to prevent the occurrence of problem financing at PT. Bank Syariah Indonesia KCP Syiah Utama 2. This study uses a qualitative research method with a descriptive approach. Data collection techniques used are interviews and documentation. The results of the research show that the factors of problematic financing consist of internal factors and external factors. The application of risk management used is risk identification, risk measurement, risk monitoring and risk control. The four risk management processes above include 5C analysis, document completion, and routine monitoring by conducting daily visits. In solving problem financing PT. Bank Syariah Indonesia KCP Syiah Utama 2 uses a persuasive approach by holding deliberations which are then applied to rescheduling, reconditioning, restructuring, and execution of guarantees. The application of risk management used has been running effectively in minimizing the risk of non-performing financing. This is evidenced by an increase in Non Performing Financing (NPF).

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