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Azka Amalia Jihad
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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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IMPLEMENTATION OF SHARIA PRINCIPLES IN THE SETTLEMENT OF MURABAHAH FINANCING DEFAULT AT PT BPRS TAMAN INDAH DARUSSALAM Riski, M. Romi; Badri, Khairul; Husnul, Muhammad
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 6 No. 1 (2025): 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.v6i1.8260

Abstract

Financing is a core activity in Islamic banking that plays a crucial role in supporting economic growth. In practice, some customers have defaulted on murabahah financing for motorcycle purchases at PT BPRS Taman Indah Darussalam from 2019 to 2021. These defaults took the form of continuous late payments and payment arrears, resulting in the temporary suspension of the repayment process. This study focuses on the concept and implementation of the murabahah agreement applied by PT BPRS Taman Indah Darussalam, the forms and causes of customer default, and its impact on bank stability. The method used is qualitative with a legal-empirical approach, through direct interviews and documentation as data collection techniques. The study results indicate that customer default is characterized by late payments caused by a decline in income and negligence, which disrupts cash flow and increases financing risks. PT BPRS Taman Indah Darussalam implements resolution through a phased approach, starting from consultation, formal notice, imposition of penalties, to restructuring. Under Islamic law, default in a murabahah agreement is considered a breach of trust that must be resolved fairly. In contrast, under civil law, negligent customers may be subject to penalties such as compensation or enforcement of collateral. Implementing murabahah agreements generally aligns with Sharia principles, but further strengthening is needed in customer selection and risk management. It is recommended that banks tighten their initial assessment processes, enhance Islamic financial literacy for customers, and strengthen monitoring systems and educational approaches to reduce the default rate.
PRODUCT SALES USING AN AFFILIATE SYSTEM AMONG STUDENTS IN BANDA ACEH VIA THE TIKTOK APP: A PERSPECTIVE FROM FIQH MUAMALAH Muhammad Farhan Afdhal; Anggie Yolanda Ritonga
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 6 No. 1 (2025): 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.v6i1.8267

Abstract

This study focuses on the affiliate system mechanism on TikTok, potential deviations from Sharia principles in its implementation, and an analysis of its compatibility with fiqh muamalah based on the concepts of ju’alah and wakalah bil ujrah contracts. The method used is qualitative research. Primary data was obtained through interviews with five students from various universities in Banda Aceh who are active as TikTok affiliates and observations of the promotional content they created. Meanwhile, secondary data was obtained through a literature review of Islamic jurisprudence, economics, and contract law. The study results indicate that the TikTok affiliate system is fundamentally acceptable under Islamic law, provided it meets the valid contract requirements, such as clarity of the subject matter, compensation, and mutual consent between the parties. However, it was found that most affiliates lack an understanding of the contract concept, there is ambiguity in commission distribution, and promotional practices often mislead consumers.
COPYRIGHT PROTECTION SYSTEM AMONG CAPCUT CREATORS IN BANDA ACEH FROM THE PERSPECTIVE OF HAQ AL-IBTIKÂR AND LAW NUMBER 28 OF 2014 ON HAK CIPTA Muchlas Rivaldi Mulka; Rahmat Efendy Al-Amin Siregar
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 6 No. 1 (2025): 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.v6i1.8275

Abstract

This article examines the copyright protection system among CapCut creators in Banda Aceh from the perspective of Haq al-Ibtikâr Law no. 28 of 2014 concerning copyright. Using qualitative research methods and a normative legal approach, the data were obtained through interviews and direct review of the accounts @raisyalmd, @ulfanabila, @mellyyusma, and @rayyaacantik. The results of the study show that there is a rise in the theft of photos which are used for personal gain, without considering in more depth the losses suffered by the photo owners themselves. Personal interests in achieving one's desires, even though the results of thoughts that have been manifested in written, printed, or other media, are considered property, is Haq Al-Ibtikâr. However, taking someone else's property is prohibited. Therefore, it is necessary to respect the work of others, who should ask for permission first before using it. This is because CapCut only provides reporting on its platform, as CapCut is not a distribution platform with automatic copyright protection for the images it uses. Unlike music, where the system automatically blocks or mutes the sound of the video. Therefore, protection depends on the photo owner. In this case, it is necessary to review the policy provided by CapCut regarding IPR regarding content uploaded to the CapCut application.
THE SYSTEM OF AGREEMENTS FOR DISTRIBUTION OF GOODS WITH MANUFACTURING COMPANIES AND ITS IMPLEMENTATION ACCORDING TO THE CONCEPT OF BAI ISTISNA’ Khalilur Rahman; Armiadi Musa
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 6 No. 1 (2025): 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.v6i1.8284

Abstract

Contracts are fundamental in commercial activities, including cooperation between businesses and manufacturers in ordering goods. This study aims to examine the system of agreements for ordering goods between Distro Mens Surfing Banda Aceh and garment manufacturers, analyze the implementation of these agreements, and assess their compatibility with the concept of Bai Istisna’ contracts according to commercial fiqh. This study uses a qualitative method with a normative empirical approach, through interviews and documentation as data collection techniques. The results show that goods ordering agreements are made verbally and digitally. Still, the production of goods often does not meet the agreed specifications regarding color, material, and stitching quality. Other findings indicate that this condition causes losses for the purchaser of the goods due to the absence of a return mechanism, which shows that the principle of khiyar' aibi, namely the buyer's right to cancel the contract or request compensation if the goods received are defective or do not meet the specifications, is not applied. The absence of the application of khiyar' aibi places the purchaser of the goods in a disadvantaged position and causes injustice in the transaction. Conceptually, this transaction has fulfilled the Bai Istisna’ elements in ordering based on specifications and installment payments. Still, it does not fully reflect the principle of balance between rights and responsibilities in Islamic muamalah.
ANALYSIS OF POWER OF ATTORNEY TO SELL AS A REQUIREMENT FOR MURABAHAH BIL WAKALAH FINANCING AT BANK SYARIAH INDONESIA Delia Sariyulis; Muhammad Iqbal
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 6 No. 1 (2025): 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.v6i1.8286

Abstract

This article analyzes the power of attorney to sell as a condition for murabahah bil wakalah financing at Bank Syariah Indonesia. A power of attorney to sell is a legal document that authorizes a particular party to sell assets or goods on behalf of another party. This power of attorney is regulated in Article 1792 of the Civil Code. In this financing, the intended party is a Sharia Financial Institution. In murabahah bil wakalah financing, a power of attorney to sell is crucial because it guarantees the Sharia financial institution in the transaction process. With this power of attorney, financial institutions can ensure they have the right to sell the financed goods if the customer fails to fulfill their obligations. The use of this SKM raises several problems in Islamic jurisprudence, because it concerns the status of ownership of goods, the principle of justice, and the validity of the transfer of rights through a power of attorney in the context of a Sharia sale and purchase agreement, as this SKM is irrevocable or cannot be revoked. The type of legal research used is an empirical juridical approach. Legal materials were collected through literature studies, document studies, and through interviews and observations. The research concludes that the use of a power of attorney for murabahah bil wakalah financing at Bank Syariah Indonesia is valid because the SKM does not conflict with sharia principles, especially in the wakalah contract, as long as the granting of power of attorney is carried out voluntarily by the customer, with a complete understanding of its contents and consequences. This is expected to provide recommendations for financial institutions and customers in understanding and good practices related to using a power of attorney for selling.
ANALYSIS OF THE MECHANISM FOR SETTING THE PRICE OF LOCAL SALT IN THE BAITUSSALAM DISTRICT OF ACEH BESAR REGENCY ACCORDING TO THE ṠAMAN CONCEPT Firdaus, Mirja; Sulfanwandi; T.Surya Reza
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 6 No. 1 (2025): 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.v6i1.8344

Abstract

This article analyses the mechanism of local salt pricing based on the concept of ṡaman. Local salt pricing in Baitussalam Subdistrict, Aceh Besar Regency, is currently unstable because local salt prices are determined by a combination of supply and demand, as well as other factors, resulting in prices received by farmers being unbalanced and failing to meet the aspects of price stability. From the perspective of the ṡaman concept, the government has the authority to intervene and create standard pricing policies to create price stability. This type of research is qualitative, employing an empirical juridical approach. The data sources were obtained from primary and secondary sources. The primary sources were obtained from interviews with informants. Secondary sources were obtained from studies related to this research. The findings indicate that the price of local salt in Baitussalam Subdistrict does not align with that of farmers and collectors. This is influenced by the abundance of supply and the power of collectors in the bargaining process. In this case, the absence of price standards has resulted in the price of salt for local salt farmers not reflecting the balance between production costs and selling prices. This is not in line with the perspective of ṡaman in fiqh muamalah because of the emergence of value inequality and price instability in salt sales transactions. The local government, through the Trade Office and the Marine and Fisheries Office, needs to reformulate a pricing mechanism that is more equitable and also favours local producers.
JURIDICAL REVIEW OF GOLD INSTALLMENT FINANCING AT INDONESIAN ISLAMIC BANKS IN THE CONTEXT OF MURABAHAH M.Khairuzzadi; Nevi Hasnita
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 6 No. 1 (2025): 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.v6i1.8359

Abstract

The development of gold installment products in sharia banking has become a popular investment alternative among the public, as it is considered safe, stable, and in accordance with sharia principles. This research aims to determine the mechanism for financing gold installments based on murabahah contracts, analyze the legal basis used, and identify the obstacles faced by both banks and customers. The research method employs an empirical juridical approach, utilizing descriptive qualitative analysis. Primary data was obtained through interviews with the bank (gold installment financing section and tellers) and eight customers, while secondary data came from literature, journals, and related regulations. The research results indicate that the gold installment financing mechanism at BSI is implemented through a murabahah contract, where the bank purchases gold from an authorized supplier and then resells it to customers, earning a profit margin agreed upon at the outset. This process is transparent and easy to understand. From a legal perspective, this financing is guided by DSN-MUI fatwa no. 21/DSN-MUI/IV/2001, OJK regulations, as well as internal bank regulations, so that they are free from elements of usury, gharar, and maisir. Obstacles that arise include delays in installments due to customers' financial conditions and a lack of understanding among some customers regarding the differences between sharia and conventional products. The bank handles this with education, reminder services, and restructuring options without fines. Thus, gold installment financing at BSI is proven to be in accordance with Sharia principles, provides a sense of security, and is beneficial for customers

Page 23 of 23 | Total Record : 227

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