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JOURNAL SECRETARIAT: Building A, Sharia Economic Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry Banda Aceh, Indonesia. Jl. Syeikh Abul Rauf Kopelma Darussalam Banda Aceh, Indonesia, Postal Code 23111 E-mail: almudharabah@ar-raniry.ac.id | website: https://journal.ar-raniry.ac.id/index.php/mudharabah MAPS: https://maps.app.goo.gl/HE1rr2qDD8gdRMSY9
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Al-Mudharabah
Published by Universitas Islam Negeri Ar-Raniry Banda Aceh
ISSN : 26550547     EISSN : 28293665     DOI : http://doi.org/10.22373
Core Subject : Religion, Humanities, Social,
Religion Humanities Social Sciences
Mudharabah: Journal of Sharia Economics and Finance is professionally managed and published by the Sharia Economic Law Study Programme, Faculty of Sharia and Law, UIN Ar-Raniry in helping academics, researchers and practitioners to disseminate their research results. Al-Mudharabah: Journal of Islamic Economics and Finance is a blind peer-reviewed journal dedicated to the publication of quality research results related to the field of Islamic Economics and Finance. All publications in Al-Mudharabah journal are open access allowing articles to be freely available without any subscription. THE SCOPE OF AL-MUDHARABAH: Jurnal Ekonomi dan Keuangan Syariah includes all the areas of research activities in all fields of Economics as theoritical and practical, Islamic Business Economics, Business Law, Economic Management, Microeconomics, Macroeconomics, International economics, International Trade, Experimental economics, Fiscal policy, Health Economics, Economics of Innovation and Entrepreneurship, Industrial Economics, Labour Economics, Inflation and monetary policy, Information economics, Environmental economics, and Agricultural economics etc and Finance as Public Finance, Personal finance, Securities and Investment Analysis, Institutional Finance, International Finance, Financial Management, Managerial finance, Corporate finance, Financial planner, Behavioral finance, Financial mathematics, Financial economics, Monetory, etc.
Arjuna Subject : Ilmu Sosial - Hukum
Articles 227 Documents
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QARDHUL HASAN FINANCING AT ACEH SYARIAH BANK FOR SUPER MICRO PRODUCTS FROM THE PERSPECTIVE OF FIQH MUAMALAH Maisura, Qaulan; Yuhermansyah, Edi
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 5 No. 1 (2024): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v5i1.5419

Abstract

This research aims to examine the implementation of the qardhul hasan contract at Bank Aceh Syariah. To obtain data, the author used a qualitative research method, with an empirical juridical approach where the main source was obtained from interviews with stakeholders. Meanwhile, secondary data was obtained from reading sources such as books, journals, articles and other sources related to this research topic. The research results show that one of the financing schemes with a qardhul hasan agreement is intended for super micro businesses, where the maximum financing amount is IDR 10,000,000.00. Super micro financing is different from other financing schemes, where the creditor does not require collateral (collateral) for the debtor. Apart from that, Bank Aceh Syariah Banda Aceh Branch with a maximum financing agreement period of 3 years. In qardhul hasan financing, the administration fee charged to the customer is 1% of the financing amount. In general, the author can conclude that this financing scheme is in accordance with DSN-MUI Fatwa No.19/DSN-MUI/IX/2001, however based on Muamalah Fiqh it is permissible because the use of non-halal fund income is one of the sources of funds in its implementation.
THE APPLICATION OF PROFIT SHARING IN SEVEN BARBERSHOPS IN ACEH BESAR AND ITS RELEVANCE TO THE ISLAMIC ECONOMIC SYSTEM Maulizar, Rizki; Husni Mubarrak; Mustaqim, Riza
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 5 No. 1 (2024): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v5i1.5429

Abstract

Trust is crucial in a business like Seven Barbershop; the two sides work together as funders and managers. As a result, the Seven Barbershop business gained proportionally, 50:50. The purpose of this research is to identify the system for the outcomes in the Seven Barbershop business, which operates under the accreditation. The researchers used observation and interview methods to gather data; inductive data analysis techniques were used, and the researchers viewed the system for the outcome at Seven Barbersho as part of the overall scheme, so that researchers could draw conclusions as a whole. The results of the research show that the practice of bsgi results is already in line with the theory, as demonstrated by the fact that Taufik Agustia owns the business of Seven Barbershop, which is a shohibul mall. Where the owner of the capital gave the space and equipment to the researchers, Taufik Agustia. In a partnership at Seven Barbershop, capital owners and managers share profits proportionately. This means that the profits from monthly turnover are deducted from operating costs, such as the purchase of silets, strawberries, hair oil, electricity, and charges, then the net profit is divided between the capital owner and the managers.
CURTAIN PURCHASE AGREEMENT IN ACCORDANCE WITH THE BA'I ISTISHNA CONTRACT AT THE GORDEN REKA STORE, BANDA ACEH - INDONESIA Yuhasnibar; Munandar, Ari
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 5 No. 1 (2024): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v5i1.5526

Abstract

The very diverse needs of the community have given rise to various innovations in products, product design and quality. Some people tend to need and are interested in unique products that do not have an equivalent in the market, so they need certain parties who are able to meet the products that consumers need. One of the products that consumers need is curtains. This product is widely ordered during Eid and in the office, one of the stores that provides this service is the Reka Curtain Shop located in Pasar Aceh. The purpose of this study is to find out how the practice in the procurement of curtains is carried out by the Reka Curtain Shop, and how the responsibility of the Reka Curtain store management to the provisions of the time for the delivery of curtain products. The method of this research uses a type of empirical juridical research, namely problem solving by collecting, processing, analyzing data and drawing conclusions systematically and objectively. The result of this study is that all consumer orders can be submitted on time and in accordance with consumer wishes, except for certain conditions caused by force majeure factors and also other natural factors that hinder the process of manufacturing even though in a small degree of professionalism is lacking.
MANAGEMENT OF THE REX BIREUEN BUSINESS AREA ACCORDING TO THE CONCEPT OF ISLAMIC ECONOMIC LAW Riza, Nauval; Hasan, Badri; Adnan, Boihaqi
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 5 No. 1 (2024): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v5i1.5527

Abstract

This research aims to analyze the management of Bireuen Rex Area and its results based on Bireuen Regency Qanun No. 1 of 2019 concerning the Management of Regional Property (BMD) by applying the concept of Milk Al-Daulah. This Qanun regulates various aspects related to BMD management, including planning, procurement, utilization, supervision, and control of regional property assets. This research is a field research, which is conducted by collecting data at the location of the object of research, which is the primary data source in the research. Data is obtained through document review, interviews with relevant government officials, and direct observation in the field. The results show that the management of Rex Bireuen Area has been carried out in accordance with the provisions stipulated in Qanun No. 1 of 2019, including systematic planning, transparent procurement, and effective utilization to increase regional income. The implementation of the Milk Al-Daulah concept can be seen in the management that emphasizes public interest, transparency, accountability, efficiency, and justice. The land and assets in the Rex Area are managed by the local government to ensure maximum benefits for the community, with strict supervision to prevent misuse of assets. This research concludes that the management of the Bireuen Rex Estate has fulfilled the principles of Milk Al-Daulah, which underlines the importance of state ownership of public assets for the welfare of the community.
THE EFFECT OF THE PRICE SETTING OF RICE BY BULOG BANDA ACEH ON THE RICE MARKET MECHANISM IN THE CONCEPT OF TAS'IR AL-JABARI Alif, Muhammad; Iqbal, Muhammad
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 5 No. 1 (2024): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v5i1.5535

Abstract

Price, as a determinant of the value of a good or service, reflects the interaction between supply and demand. Changes in commodity prices significantly impact business actors, making market equilibrium crucial to maintain. The level of competition in the market also affects market conditions. From a fiqhiyah perspective, the government can restructure the market through tas’ir al-jabari, which involves price setting based on various market studies and evaluations. This study aims to assess the appropriateness of the theory and concept of tas’ir al-jabari in the price setting of rice by Bulog in Banda Aceh. This research employs a juridical-sociological approach with descriptive-analytical research methods to clarify the research object, focusing on the impact of Bulog Banda Aceh's rice price setting on market mechanisms to establish standard prices in the Banda Aceh market. The data used in this study consist of primary and secondary data, collected through observation, interviews, and documentation. The results show that price setting (tas’ir) in trade and business is permissible if there is a possibility of manipulation leading to price increases. Price setting methods are not prohibited in Islam under the following conditions: the prices set by entrepreneurs or traders should not exploit buyers, meaning they should not take profits above reasonable levels. Price setting should not be coercive towards entrepreneurs or traders as long as they set fair prices and take reasonable profits (not above normal levels). If market equilibrium is disrupted, the government or relevant authorities must intervene in the market while upholding principles of justice for both traders and consumers.
ISLAMIC LAW IMPLEMENTATION IN ACEH AND CHALLENGES IN THE ERA OF LIBERAL ECONOMICS AND POLITICS Azahar Kasim; Yusran Hadi, Muhammad
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 5 No. 1 (2024): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v5i1.5622

Abstract

Since its declaration on 1 Muharram 1423 H or coinciding with 15 March 2002, Islamic law in Aceh has been under the spotlight. Islamic Sharia, which was revealed by Allah Swt, should be understood as a perfect rule and become rahmatan lil'alamin, instead it gets opposition from some Muslims who are secular and anti-sharia. Some Muslims today, especially leaders and intellectuals in Aceh who claim to be critical but do not have adequate knowledge about Islamic law, dare to reject God's law (sharia). Various negative issues and shubhat are put forward. Among other things, Islamic sharia in Aceh is not in accordance with human nature. In addition, the implementation of sharia in Aceh is said to have been hasty, without careful thought and preparation. This paper attempts to refute these allegations. Whether we realise it or not, negative accusations against the implementation of Islamic sharia in Aceh not only destroy Islamic sharia itself, but also go against the law of God (Allah Swt) and human nature. The accusation that Islamic law in Aceh is incompatible with human nature is a fallacy. Islamic Sharia in Aceh, wherever and whenever, is in accordance with human nature. With Islamic law, human beings discover their nature as servants of Allah and caliphs on earth. Therefore, Islamic law was revealed to guide and protect this human nature so that it does not deviate and is not tyrannised. In addition, this paper also refutes the accusation that Islamic sharia in Aceh was implemented in a hurry. In fact, Islamic sharia in Aceh has been implemented since ancient times, the time of the kingdom of Aceh. However, the implementation of sharia at this time was carried out in stages. That is why, in the beginning, its scope was only limited to certain areas. For example, in criminal law only applies to jarimah khamar, gambling and khalwat / adultery with ta'zir punishment. The next stage is the application of hudud punishment in the case of jarimah hudud. This is the concept of tadarruj that characterises Islamic law itself.
PRACTICE OF MONEY LOAN AGREEMENT IN LHOK KEUTAPANG VILLAGE PIDIE DISTRICT UNDER ISLAMIC ECONOMIC LAW Husna, Asmaul; Yusriana
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2023): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v4i2.5632

Abstract

In Islam, when murtahin gives debt to rahin, it is not justified to take benefits or additions to the debt. This is because al-rahn is a tabarru' contract which is a mutual assistance contract without any reward and solely to expect the pleasure and reward of Allah, not to seek personal gain or additional income. In reality, the practice of a money loan agreement with motorcycle collateral in Lhok Keutapang Village, Pidie Subdistrict, Pidie Regency, where the murtahin provides debt with motorcycle collateral with the intention of seeking profit, and requires additional debt. The formulation of this research problem is how the practice of money loan agreements with motorcycle collateral in Lhok Keutapang Village, Pidie Subdistrict, Pidie Regency, and how the analysis of late fees in this practice. This research uses the type of field research with descriptive analysis, through data collection techniques, namely observation, interviews and documentation. The results showed that debt and credit in this village is done verbally on the basis of mutual trust. In practice where rahin owes money in the amount of Rp.2,000,000 which will be paid in three months, and within this period rahin submits his motorcycle as collateral. And murtahin gives conditions to rahin if the debt is not paid within the agreed time period, there will be a fine for the delay of Rp.300,000. Also according to the concept of rahn, the practice of money loan agreements with motorcycle collateral that occurs in Lhok Keutapang village is contrary to Islamic law because it is included in the practice of loan sharks. Therefore, this kind of debt and credit practice must be stopped or there must be a policy from the village apparatus.
MANAGEMENT OF AMANAH PRODUCT’S FINE FUNDS AT PT PEGADAIAN SYARIAH KCP KEUTAPANG, ACEH BESAR DISTRICT, INDONESIA Azmul Atia; Abu Bakar, Ali; Husni bin Abdul Jalil
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2023): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v4i2.5633

Abstract

A fine is a penalty in the form of having to pay in the form of money for violating applicable rules, laws and norms or for failing to comply with an agreement that was agreed upon at the outset. Amanah product is one of the products at Pegadaian Syari'ah which purchases and procures two-wheeled or four-wheeled motorized vehicles for personal use and company needs. In this product, the contract used initially was a mudharabah contract, but currently the contract used is a rahn tasjily contract. This thesis is focused on answering three important things, 1) How is the determination and amount determined for customers who make arrears at PT Pegadaian Syariah KCP Keutapang, 2) How is the management of trust fund fines at PT Pegadaian Syari'ah KCP Keutapang, 3) What is the legal perspective Islam regarding the management of trust fund fines at PT Pegadaian Syari'ah KCP Keutapang. This type of research is qualitative and uses a descriptive analysis method. Sources of data used include primary and secondary data. The results showed that the amount of fines in this product is a minimum of 0.4% and a maximum of 4% of the wine value. For example, the installment is Rp. 100,000 if 4% of the fine is four thousand out of one hundred thousand. If the loan is four million, Rp. 4% is taken. 400,000 per month. However, if the installment payment is only a matter of days late, the fine is only 0.4% per week. The imposition of this fine is carried out when the customer is due when the contract is initiated, then the management of fine funds is allowed even though there are some scholars who forbid it, but if you look at the DSN MUI fatwa, fine funds are allowed to be taken if they are used in accordance with Islamic sharia provisions. From the point of view of management and distribution of fines, the funds obtained were indeed used in accordance with Islamic principles, such as the repair and construction of houses of worship, both mosques and prayer rooms, for the benefit of education.
NAZHIR'S PERFORMANCE IN THE UTILIZATION AND MANAGEMENT OF WAQF FOR DAYAH OPERATIONS IN PIDIE DISTRICT Nazhifa Adila; Shabarullah
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2023): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v4i2.5636

Abstract

Waqf plays an important role in the religious, educational, economic and social development of the population. Waqf is an asset donated to humanity for a relatively long period of time. The purpose of this study was to determine the utilization and allocation of the results of waqf management, the contribution of the results of waqf management and the performance of nazhir in waqf management in Pidie sub-district for dayah operations. This study used a qualitative research method with a descriptive approach. The type of data in this study is primary data through the interview method. Data analysis techniques using descriptive analysis. The research results show that the use of waqf proceeds has been put to good use for the needs of the Islamic boarding school and the surrounding community for religious activities. Contributions from the results of waqf management can improve development facilities and infrastructure at dayah. Nazhir's performance in the productive waqf land management system for the operational needs of the dayah is carried out in an agribusiness manner, the waqf land in which there are dayah in Pidie District is mostly used for religious and educational activities. The use of waqf land chosen by Nazhir is by means of an agribusiness approach, namely by cultivating rice planting. The suggestion in this matter is that Nazhir must try to further maximize management by improving the management and financial aspects so that the results from the utilization of waqf land can also be seen to be even better and the role of the government and related agencies must be even greater to encourage the strategies carried out by Nazirs.
IMPLEMENTING OF FINES IN DEFAULT OF ONLINE SALES ENTRUSTMENT CONTRACT BASED ON TA'WIDH IN THE SAMSARAH CONTRACT Arif Hidayat
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2023): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v4i2.5637

Abstract

Consigngaming and Unbranded_Store are online shops that are engaged in selling electronic goods from entrusted sellers. The operational principle of the two online shops is to mediate sellers and buyers in sales transactions of electronic and informatics products with standard agreements and conditions set by the online shop, one of the dictums of which contains provisions for fines for defaults on the seller's part. This fine is the focus of the study with the problem of how to determine the amount of the fine to the seller who violates the dictum of the Consigngaming and Unbranded_Store sales agreement, the effectiveness of applying fines to reduce the level of default on the part of the seller and review of the samsarah contract on the determination of fines for seller defaults. To meet scientific standards, the authors designed a research procedure with stages, namely a normative sociological research approach, a descriptive analytical research type with data collection techniques through interviews and documentation. The results of his research are that the determination of fines in Consigngaming is based on the percentage of the price of goods set by the seller, and the Unbranded_Store fine value is fixed which is stated in the general provisions of the transaction that the seller must comply with. The fines imposed by these two consignments, although the procedures are different, have been able to reduce the potential for sellers to commit defaults which could harm Consigngamig and Unbranded_Store management in terms of performance and branding as online stores that have credible business qualifications and can significantly reduce the level of seller defaults. Determination and imposition of fines for seller's default on both consignments as a business based on a samsarah contract is in accordance with the concept of ta'widh and the scholars allow the application of the ta'widh which is implemented based on the agreement of the parties in the consigmnet agreement (samsarah) as long as the dictum does not conflict with the provisions syara'.

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