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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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ANALISIS PENGEMBANGAN POTENSI DESA WISATA DALAM UPAYA PEMBERDAYAAN EKONOMI MASYARAKAT DI GAMPONG NUSA, LHOKNGA ACEH BESAR Intan Qurratulaini
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol 4 No 1 (2023): Al-Mudharabah : Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

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Abstract

Desa Wisata gampong nusa memiliki berbagai potensi alam yang menarik untuk dijadikan sebagai sumber daya ekonomi masyarakat yang dapat mendatangkan kesejahteraan bagi penduduknya. Potensi wisata yang dapat menarik minat wisatawan adalah nuanasa alam pedesaan dengan berbagai kekhasannya seperti bercocok tanam, kuliner, tradisi dan budaya aceh serta fasilitas homestay yang menjadi kekhasannya. Penelitian ini bertujuan untuk mensinerjikan potensi wisata yang ada dengan sumber daya manusia yang ada sehingga dapat menjadi sumber ekonomi masyarakat. Penelitian ini menggunakan anailisis deskriptif kualitatif yang diformulasikan terkait strategi pengembangan potensi desa wisata dan pemberdayaan ekonomi masyarakat. Hasil penelitian ini adalah potensi wisata desa gampong nusa dapat mendatangkan minat wisatawan untuk menikmati alam pedesaan dan fasilitas yang ada dengan lebih baik. Sumber daya manusia masih rendah sehingga memerlukan sinergitas dengan pihak terkait agar dapat memberikan konstribusinya untuk meningkatkan kreatifitas masyarakat dalam pengembangan potensi wisata agar menjadi daya tarik tersendiri dan dapat meningkatkan ekonomi masyarakat sekitarnya.
ANALISIS PERSEPSI NASABAH TERHADAP PENGGUNAAN E BANKING PADA PT. BANK SYARIAH INDONESIA (BSI) PASCA DIBERLAKUKAN QANUN NO 11 TAHUN 2018 TENTANG LKS DI KOTA BANDA ACEH Ikhsan Fajri; Hamzah Zainuri
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol 4 No 1 (2023): Al-Mudharabah : Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

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Abstract

Layanan elektronik banking atau E-Banking merupakan suatu inovasi terbaru yang sangaja dihadirkan oleh Bank Syariah Indonesia (BSI) sebagai bentuk komitmen pelayanan berbasis teknologi digital yang bertujuan untuk mempermudah nasabah di sektor perbankan. Layanan E-Banking telah memungkinkan nasabah BSI untuk memperoleh informasi, melakukan komunikasi, dan melakukan transaksi perbankan melalui media elektronik antara lain ATM, phone banking, electronic fund transfer, internet banking maupun mobile, Instrumen ini tentu memberikan dampak yang sangat positif bagi pengguna jasa layanan BSI di Aceh pasca diberlakukan Qanun No 11 Tahun 2018 Tentang LKS. Penelitian ini bertujuan untuk mengetahui bagaimana persepsi nasabah terhadap kemudahan penggunaan E Banking dan mengetahui persepsi nasabah terhadap resiko-resiko yang dihadapi dalam penggunaan E-Banking pada PT. BSI pasca di berlakukan penerapan Qanun No 11 Tahun 2018 Tentang LKS di Aceh. Metode penelitian ini menggunakan desain kualitatif dengan teknik penelitian studi kasus. Jenis data yang dikumpulkan berupa data primer dan sekunder. Hasil penelitian ini sangat bermanfaat serta dapat menjadi masukan bagi pemerintah dan Lembaga Keuangan Syariah untuk melakukan mitigasi lebih cepat terkait dengan potensi risiko yang muncul baik pada tataran internal bank dan eksternal, hal ini mengingat masyarakat Aceh untuk saat ini sangat sensitive dengan bentuk layanan berbasis digital yang sering bermasalah diberikan oleh bank terhadap nasabah.
TINJAUAN HUKUM ISLAM TERHADAP PRAKTIK PENGELOLAAN SAWAH DENGAN CARA BELAH BATANG BERDASARKAN AKAD MUKHĀBARAH DI GAMPONG AIR SIALANG KABUPATEN ACEH SELATAN Saifuddin Sa’dan
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol 4 No 1 (2023): Al-Mudharabah : Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

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Abstract

Pengelolaan sawah berdasarkan akad mukhābarah dapat ditemukan di berbagai wilayah di Aceh, seperti dilakukan oleh masyarakat Air Sialang Kab. Aceh Selatan. Hanya saja, dalam pengelolaannya, masih ditemukan beberapa hal yang belum sesuai dengan konsep hukum Islam. Persoalan yang berdasarkan penglihatan saya dalam penelitian yang dilakukan ini yaitu bagaimana praktik pengelolaan sawah yang dilakukan oleh masyarakat Air Sialang melalui akad mukhābarah, bagaimanakah tinjauan hukum Islam terhadap praktik pengelolaan sawah tersebut. Metode yang digunakan dalam penelitian ini ialah metode kualitatif dengan jenis studi lapangan (fieald research). Data penelitian dianalisis dengan cara deskriptif analisis. Hasil penelitian menunjukkan praktik pengelolaan sawah berdasarkan akad mukhābarah pada masyarakat Air Sialang Kebupaten Aceh Selatan dilakukan dengan pemilik sawah menyewakan lahan ke pihak pengelola untuk digarap. Bentuk perjanjian sewa menyewa yaitu dengan cara “Belah Batang”. Yang dimaksud dengan belah batang yaitu biaya dan bibit tanaman padi menjadi tanggungan pengelola sawah, penetapan pemberitahuan jenis benih padi yang ditanam, kesepakatan bagi hasil di awal perjanjian, langkah penyelesaian permasalahan ketika terjadi pelanggaran akad.Praktik pengelolaan lahan sawah melalui akad mukhābarah tersebut cenderung belum sesuai dengan prinsip dan nilai-nilai hukum Islam. Hal ini berlaku bukan pada ketidakjelasan akad mukhābarah-nya, tetapi lebih kepada adanya praktik tadlis atau penipuan dan kezaliman dari penggarap sawah dengan pemilik sawah, yaitu si penggarap umumnya tidak memberitahukan secara jujur jumlah hasil panen padi, sehingga bagian pemilik sawah tidak sesuai dengan kontrak di awal perjanjian.
SETTLEMENT OF PROBLEM FINANCING AFTER THE COVID-19 PANDEMIC AT BANK SYARIAH INDONESIA, BANDA ACEH Astriyanthi Rangkuti
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol 4 No 1 (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.v5i1.3379

Abstract

This research examines the Analysis of Troubled Financing Restructuring and the Urgency of Post-Covid-19 Agreement Renewal at BSI Aceh. The purpose of this research is to find out the implementation of post-covid-19 problem financing restructuring at Bank Syariah Indonesia (BSI) Aceh Branch, and to find out the urgency of renewing the post-covid-19 financing contract at BSI Aceh, to find out the Handling of Post-Covid-19 Financing Restructuring at BSI Aceh. This research uses a qualitative method with a descriptive approach. The research took place at BSI Aceh branch. The data sources used in this research are primary data sources and secondary data sources. The data collection methods used are observation, interviews, and documentation. The data analysis technique used in this research is descriptive analytical technique. The results showed that BSI in Aceh in providing financing restructuring to customers due to the Covid-19 Pandemic is based on Financial Services Authority Regulation Number 16/POJK.03/2014, which can only be given to customers who have difficulty fulfilling their obligations to the bank due to their business being affected by Covid-19. The stages of restructuring are rescheduling, re-conditioning and re-structuring. All these stages are carried out in order to fulfil the purpose of the initial contract of a customer with the bank, namely to give birth to a legal effect or mutual intention that is intended and which the parties want to realise through making a contract.
UNDERSTANDING INTELLECTUAL PROPERTY RIGHTS IN THE INDONESIAN TRADING BUSINESS Nurul Maghfirah; Siti Zaviera; Daffa Alghazy; Chairul Fahmi
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol 3 No 2 (2022): 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.v4i2.3384

Abstract

This article aims to find out the concept of Intellectual Property Rights (IPR) in Indonesia and its application in business ventures. In general, Indonesia has recognised IPR and has passed a number of laws related to IPR protection. This research uses a literature approach method, where data is obtained from secondary sources, both from books, articles and various references related to this research. The results show that the application of IPR in Indonesia is still experiencing various problems, where many IPR results are violated. Conversely, law enforcement against IPR violations is still very weak. This is inseparable from the scope of IPR which is categorised as part of civil law. This means that if no one reports and feels harmed by the IPR violation, then the violation is not followed up or handled by the authorities.
THE PIECEWORK AGREEMENT ON THE CONSTRUCTION OF MOSQUE INTERIORS IN THE PERSPECTIVE OF AL-IJĀRAH ALA AL- 'AMĀL CONTRACT Ahmad Najimi; Saifullah Saifullah
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.v5i2.3388

Abstract

This study examines how the work agreement between the management of the BKM Mosque and the contractor in making the interior of the mosque and the review of the al-ijārah ala al-amāl contract on the agreement and implementation of mosque interior design work in Southwest Aceh Regency. This research is a descriptive qualitative research analysis with a normative sociological approach, where the data obtained comes from observations and interviews. Based on the results of the research, it is found that: First, the work agreement between the BKM and the contractor is carried out in the form of an oral agreement, in the agreement a three-month warranty is given to complete the work with the provision that if damage occurs, then all damage is not the responsibility of CV Seba Na Plafon. Second, the review of the al-ijārah ala al-amāl contract on the agreement and implementation of the mosque interior design work is not in accordance with the terms and conditions of the al-ijārah ala al-amāl contract. In its implementation, the BKM of the mosque asks for responsibility for damage to the interior of the mosque carried out by CV Serba Na Plafon, which should be according to the al- ijārah ala al-"amāl contract, the BKM of the mosque has no right to do so because the parties must adhere to the terms agreed upon at the beginning of the agreement. In Islamic law, the parties to the collaboration must comply with the agreements in the contract.
THE CONCEPT OF FRANCHISING IN THE INDONESIAN’S CIVIL LAW AND ISLAM Iwandi Iwandi; Rustam Efendi; Chairul Fahmi
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.v5i2.3409

Abstract

The franchise concept is an agreement between the franchisor and the franchisee. This means that the franchisor, as the patent owner of the trademark, has the right to receive a certain amount of royalties or fees to be paid by the franchisee based on legal provisions. Franchise agreements are regulated in Indonesian civil law with regard to special rights to trademarks. While in Islamic law, the franchise agreement is actually a development of a form of cooperation (syirkah). This research uses the library research method, where data sources come from laws and other secondary data. The results of this study indicate that a franchise agreement under civil law, which refers to Article 4 of Government Regulation No. 42 of 2007 on Franchising, states that every franchise agreement of any kind must be made in writing by the parties. The existence of a franchise agreement is an innominaat contract. Innominaat contracts are contracts that arise, grow and develop in practice. From the perspective of Shari'ah economic law, franchise agreements belong to the group of shirkah (partnership) and the law is permissible. In addition, the franchise agreement involves the cooperating parties, namely the franchisor and the franchisee. Meanwhile, the franchisor's capital consists of intellectual rights in the form of company names, logos, systems and methods, which are owned and developed by the franchisor.
THE LEGALITY OF BUYING AND SELLING WITHOUT KHIYAR RIGHTS UNDER ISLAMIC COMMERCIAL LAW khairunnisak
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol 3 No 2 (2022): 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.v3i2.3418

Abstract

Buying and selling is an activity that often occurs such as in markets, supermarkets and other places to fulfil everyone's needs. One of the elements in buying and selling transactions is the right of khiyär. Khiyar is a permissibility in Islamic Shari'ah to find a good between two, namely to continue or to cancel the sale with the aim of avoiding disputes between the seller and the buyer in the future. However, not all buying and selling places impose khiyar rights for buyers, therefore this research aims to find out how Islamic law reviews buying and selling without khiyar rights. Buying and selling without khiyar rights is still considered valid because khiyar is not a valid condition in buying and selling. Khiyar is an option or choice that can be an alternative to achieving benefits for both parties, namely the seller and the buyer so that no party feels disadvantaged in the future. Suggestions from the author that business actors are expected to apply business ethics in accordance with Islamic law and applicable legislation in Indonesia and for buyers to be more careful before buying goods so as not to be harmed.
THE CONCEPT OF COPYRIGHT IN CIVIL LAW AND ISLAM Cut Vera Shilvia; Azkiya S Sabrina; shabarullah shabarullah
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol 3 No 2 (2022): 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.v3i2.3424

Abstract

Copyright is one of the rights that has been given legal protection in Indonesia as a result of extraordinary creativity, works that are used by both the individual concerned and the general public. The purpose of this study is to gain an understanding of copyright infringement in both Islamic and civil law. This desk research aims to answer questions about Islamic and civil law perspectives on copyright. In addition, this research discusses how civil law and Islamic principles protect copyright. The study shows that copyright in Islamic law is called haq al-ibtikar - the right to the first creation. Only that which is in accordance with the values and norms of the Islamic religion is accepted and protected. If the work contradicts Islamic principles, it is not recognised as a copyrightable work and no protection is given to the work.
PERTANGGUNG JAWABAN RISIKO KERJA PADA KARYAWAN PEMADAM KEBAKARAN DALAM PERSPEKTIFAKAD IJARAH ‘ALA AL-AMAL Ida Friatna; Jalilah; Tajul Muna Raya Guna
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.v4i2.4248

Abstract

The profession of a firefighter carries very high safety risks. Legal review in firefighting work using the Ijārah 'Ala al-A'mal agreement. The problems studied in this research are to find out, first, how to minimize work risks among Banda Aceh City Fire Department employees, second, what is the level of awareness of Banda Aceh City Fire Department employees regarding work risks, third, what forms of party responsibility exist? Banda Aceh City firefighters in the perspective of the Ijārah 'Ala al-A'mal Agreement. The research method used in this research is descriptive qualitative, and data collection was carried out using field research and library research. The data collection techniques used were interviews, observation and documentation. The research results show that efforts are made to minimize work risks with available facilities and infrastructure. Awareness of work risks among fire department employees is still lacking. The form of responsibility of the Banda Aceh City fire brigade in the perspective of the Ijarah 'Ala Al-Amal agreement based on the regulations used in work risk responsibility is in accordance with the Ijarah 'Ala Al-Amal agreement, however it is very unfortunate that there are differences in the social security obtained, which employees Civil servants get BPJS employment while contract employees do not get BPJS guarantees and any benefits so officers cannot submit claims for work accident insurance because officers are not insured by the government.

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