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Lina Kushidayati
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Tawazun: Journal of Sharia Economic Law
Published by Universitas Islam Negeri Sunan Kudus
ISSN : 26559021     EISSN : 26559579     DOI : http://dx.doi.org/10.21043/tawazun
Core Subject :
Tawazun: Journal of Sharia Economic Law is a double-blind peer-reviewed journal published by Sharia Economic Law Department, Sharia Faculty, State Islamic Institute of Kudus, Kudus, Indonesia Focus Tawazun: Journal of Sharia Economic Law emphasizes the study of Sharia Economic Law and Islamic law in Islamic countries in general and specifically in Indonesia by emphasizing the theory of Sharia Economic Law and Islamic law and its practice in the Islamic world that developed in attendance through publications of articles and book reviews. Scope Tawazun: Journal of Sharia Economic Law specializes in studying the theory and practice of Sharia Economic Law and Islamic law in Islamic countries and is intended to express original researches and current issues. This journal welcomes the contributions of scholars from related fields warmly that consider the following general topics; Sharia economic law Sharia business law Sharia management law Sharia banking law Law of sharia financial institutions Non-bank financial industry law Law Sharia economics Islamic law
Arjuna Subject : -
Articles 126 Documents
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Eksekusi Hak Tanggungan dalam Perjanjian Pembiayaan Sobirin, Sobirin; Abdullah, Junaidi
TAWAZUN: Journal of Sharia Economic Law Vol 2, No 1 (2019): TAWAZUN : Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v2i1.5288

Abstract

BMT both in the form of KJKS and KSPS in providing loans and financing can be in the form of Mudhorobah, Murobahah or Musyarokah, usually KJKS and KSPS parties make the conditions in the form of collateral. Goods that are used as collateral can be in the form of movable or immovable objects. When collateral is in the form of a moving object (usually in the form of a motorcycle or car), the KJKS and KSPS will make a fiduciary guarantee and when the collateral is in the form of immovable property (usually in the form of land or house), the KSPS and KJKS will dependents. When a member who carries out a broken promise, the KSPS Logam Mulia party can execute directly the Underwriting Right object. However, the KSPS Logam Mulia sub-district of Klambu, Grobogan, did not directly execute the object of collateral rights. The mortgages in the KSPS Logam Mulia sub-district in Klambu, Grobogan Regency were carried out to bind the collateralized object to guarantee the immovable property such as land or land along with the building on it. KSPS Logam Mulia does not execute directly on objects that are pledged as collateral rights, but through sales voluntarily or ask for help to sell.
Kajian Hukum Islam tentang Rekening Bersama (RekBer) pada E-Commerce Mursid, Fadillah; Nurhisam, Luqman
TAWAZUN: Journal of Sharia Economic Law Vol 5, No 1 (2022): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v5i1.13997

Abstract

In trading conducted online or better known as E-Commerce, there are many cases of fraud that occur. Until finally, a Joint account emerged as an alternative for safe online transactions. Based on the above background, this study aims to discuss the legal status of the use of joint account services and any contracts that can be used in Joint Account transactions (RekBer) in E-Commerce. This research is a normative legal research, while the specification of this research is analytical descriptive. The main approach taken is doctrinal. The results of this study are that in Islamic law the use of third party services in a legal transaction is permissible (permissible), while contracts in account transactions in E-Commerce can use a combination of salam contracts and wakalah bil ujrah or ijaroh a'mal contracts.
Multi Level Marketing dalam Tinjauan Hukum Islam (Studi Fatwa DSN-MUI NOMOR: 75/DSN-MUI/VII/2009 Tentang Pedoman Penjualan Langsung Berjenjang Syariah) nurhisam, luqman
TAWAZUN: Journal of Sharia Economic Law Vol 2, No 2 (2019): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v2i2.6281

Abstract

Bisnis Multi Level Marketing (MLM) kian hari makin berkembang, bahkan muncul MLM yang berbasis syari’ah. Perusahaan yang berbasis syari’ah diwajibkan memenuhi janji atau komitmennya. Hal ini sesuai dengan ajaran Islam, secara realitas, kini perusahan MLM sudah banyak tumbuh di dalam maupun luar negeri. Contohnya adalah Ahad Net, UFO BKB Syariah, Exer, Mitra Permata Haji, dan K-Link Indonesia yang menjalankan prinsip syari’ah dan memperoleh sertifikat halal dari DSN-MUI, sebagaimana yang difatwakan dalam Nomor: 75/DSN-MUI/VII/2009.Tujuan dari penelitian ini adalah untuk menganalisa kebolehan dari mekanisme Multi Level Marketing dengan menggunakan kerangka hukum Islam merujuk pada Fatwa DSN-MUI Nomor: 75/DSN-MUI/VII/2009. Metode penelitian yang digunakan adalah library research, dengan analisa deskriptif-kualitatif. Hasil dalam penelitian menunjukkan bahwa Multi Level Marketing yang mana telah dipraktekkan oleh masyarakat sebagaimana yang difatwakan oleh DSN-MUI Nomor: 75/DSN-MUI/VII/2009 tentang Pedoman Penjualan Langsung Berjenjang Syariah hukumnya adalah boleh, dengan merujuk kepada hadis-hadis yang diuraikan sebelumnya bahwasanya dapat dijadikan sebagai hujjah atau pedoman hukum dan segala kegiatan bisnis yang menggunakan pedoman penjualan berjenjang diharuskan memenuhi berbagai ketentuan-ketentuan sebagaimana yang terdapat dalam fatwa DSN-MUI Nomor: 75/DSN-MUI/VII/2009. DSN-MUI menggunakan dalil-dalil tersebut adalah sebagai  landasan secara umum, karena tidak ada dalil yang spesifik terkait dengan Multi Level Marketing. Kata kunci: Multi Level Marketing, MLM, fatwa DSN-MUI
Tinjauan Hukum Islam terhadap Pinjaman Shopeepaylater Dewi Ulfa, Retno; Kushidayati, Lina
TAWAZUN: Journal of Sharia Economic Law Vol 5, No 2 (2022): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v5i2.14485

Abstract

With the rapid development of technology, an application for online shopping (marketplace) was born. One of the largest in Indonesia is the Shopee marketplace. In the Shopee application there is a payment feature that can be made in stages, known as Spaylater. In this study, the theory used is the sale and purchase contract, loan contract, hiwalah contract and usury. This research uses the type of field research or field studies using a qualitative approach. This research was conducted on the Shopee application, where in the Shopee application there is an online loan feature called Spaylater. This feature makes it easy for users to make transactions, because Spaylater itself offers bailouts for users who want to transact but do not have cash. Then the researchers used primary data obtained from interviews with informants in accordance with the research problem. While secondary data, researchers obtained from books, journals, articles from the internet, DSN-MUI Fatwa and theories related to Islamic law. Then for the data collection method using observation, interviews and documentation. The results of this study indicate that if the activation of the Spaylater user is successful, the user can use the limit that has been given. Then regarding the view of Islamic law, looking at Spaylater, namely in the Spaylater mechanism there are conditions for contracts that are not fulfilled in Spaylater. Because in it there is a late fee given by the Spaylater, this late penalty is included in usury jahiliyah. Therefore the practice of Spaylater is not allowed in Islam because it contains elements of usury.
Kesadaran Hukum Masyarakat Tentang Urgensi Sertifikasi Tanah Wakaf di Demak Kushidayati, Lina
TAWAZUN: Journal of Sharia Economic Law Vol 7, No 2 (2024): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v7i2.30779

Abstract

Harta wakaf secara normatif adalah hak milik umat Islam yang pemanfaatannya harus semata-mata untuk kepentingan umat. Akan tetapi lemahnya pengelolaan tanah wakaf menjadikan banyak tanah wakaf yang terbengkalai. Selain itu banyak tanah wakaf yang belum bersertifikat sehingga menimbulkan konflik di kemudian hari.  Artikel ini membahas tentang pemahaman tentang pentingnya sertifikasi tanah wakaf kepada masyarakat, khususnya para pemangku kepentingan, sangat penting untuk dilakukan guna menjamin kepastian hukum obyek wakaf serta legalitasnya serta untuk menghindari sengketa dan penyimpangan atas obyek wakaf.
Legalitas Transaksi Jual Beli Sepeda Motor Tanpa Bukti Kepemilikan dalam Perspektif Sadd Al-Żarī‘Ah Eriyanti, Nahara; Sarami, Ayu
TAWAZUN: Journal of Sharia Economic Law Vol 3, No 2 (2020): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v3i2.8270

Abstract

This study is aimed to find out how the legal status of buying and selling motorbikes without vehicle registration STNK and BPKB, where many of the people of the District of Kebharga, especially Kala Lengkio Village and Mendale Village, conduct transactions of buying and selling motorbikes without STNK and BPKB. In general, buying and selling carried out by the public has fulfilled the legal requirements of buying and selling in Islam, which does not explain in detail that buying and selling motorbikes without the STNK of BPKB is a sale and purchase which is canceled. Unlike the case with the police which states that buying and selling motorbikes without a STNK and BPKB is a canceled sale. Based on the description above that is the focus of research on the formulation of the problem namely: how to buy and sell motorbikes without proof of ownership in the community of the District of Kebayakan and how is its legality from the perspective of sadd al-‘arī‘ah ?. In this study the author uses the case study research method then analyzed using the theory of sadd al-‘arī‘ah, then in the technique of collecting data the author uses interviews / interviews. The results of the study that the authors get about buying and selling motorbike transactions without proof of ownership and analyzed using the theory of sadd al-īarī'ah that looks at the benefits and mafsadat arising, then the motorcycle sale and purchase transactions without proof of ownership there is a level of understanding that is superior to with benefit, the sale and purchase of the people of the district is a sale that must be prevented and must also be avoided by the community because the sale can cause a lot of damage even though the sale of a motorcycle is a sale that is in accordance with the terms and conditions of the legal sale.
Penetapan Metode Anuitas pada Pembiayaan Murabahah Bank Aceh Syariah Perspektif Asas Keadilan Putri, Raihan; Mujib, Abdul; Eriyanti, Nahara
TAWAZUN: Journal of Sharia Economic Law Vol 6, No 1 (2023): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v6i1.18277

Abstract

One of the methods used to calculate margins on murabahah financing is using an annuity calculation system. There is a problem of taking large profits at the beginning of payment causing customers to complain, setting annuity margins is considered not to provide justice for customers. In this case the author wants to examine and analyze the determination of the annuity method in the financing of Bank Aceh Syariah in terms of the principle of justice. In this research, the type of research used is library research. Based on this research, it was concluded that the determination of the annuity method used by Bank Aceh Syariah in the category of fulfilling the principle of justice for the customer is injured because the application of the annuity method at Bank Aceh Syariah contains a pattern of principal installment payments that changes to be higher and determination of profits whose value changes to be small. In the concept of Islamic justice or contained in Law Number 21 of 2008 regarding the concept of justice explains that transactions between customers and banks must obtain a form of justice. In practice the application of the annuity method tends to be manipulative so that the disbursement procedure seems burdensome to the customer. The application of the customer annuity method will incur a loss when the customer wants to pay off at the beginning but does not get an installment discount. The sense of injustice in an annuity can be eliminated and then realized, namely by making a deduction on the installments for each customer who pays off obligations at the beginning of the transaction.
Studi Implementasi Akad Rahn (Gadai Syariah) Pada Lembaga Keuangan Syariah Surepno, Surepno
TAWAZUN: Journal of Sharia Economic Law Vol 1, No 2 (2018): TAWAZUN : Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v1i2.5090

Abstract

The development of sharia-based products is increasingly prevalent in Indonesia, including pawnshops. Perum pawnshops issued sharia-based products called sharia pawnshops. Basically, sharia-based products have such characteristics, do not collect interest in various forms due to usury, determine money as a medium of exchange not as a commodity traded, and do business to obtain compensation for services and or profit sharing.This research includes the type of literature study by looking for theoretical references that are relevant to cases or problems found. Theoretical references obtained by means of literature study research and then used as the basic foundation and main tools for analyzing data. The type of data used by the authors in this study is secondary data obtained from journals, books, documentation and the internet. The data that has been obtained is then analyzed using descriptive analysis methodIslamic Pawnshop or known by the term rahn, in its operation using the Fee Based Income (FBI) or Mudharabah (profit sharing) method. Because customers in using UP (UP) have different objectives, for example for consumption, paying school fees or additional working capital, the use of the Mudharabah method has not been properly used. Therefore, pawnshops use the Fee Based Income (FBI) method.
Pemotongan Dana Arisan sebagai Kompensasi Petugas dalam Perspektif Hukum Ekonomi Syariah Afriliani, Nur
TAWAZUN: Journal of Sharia Economic Law Vol 8, No 2 (2025): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v8i2.31887

Abstract

Arisan is a form of community-based social activity that functions as an informal saving and lending mechanism, particularly in rural areas. In practice, deductions from arisan funds are often allocated as compensation for the arisan coordinator. The novelty of this study lies in its analysis of the determination and separation of contracts operating within arisan practices, specifically between the fund-collection mechanism that substantively resembles a qardh contract and the provision of compensation to the coordinator, which may constitute an ujrah contract for management services. This study aims to examine the compatibility of such contractual structures with the principles of Islamic economic law in order to prevent the mixing of contracts that may lead to legal ambiguity. The research employs a qualitative descriptive method using a literature-based approach. The findings indicate that the deduction of arisan funds can be considered permissible under Islamic law, provided that the contractual structure is clearly defined, there is a clear separation between loan funds and service fees, and the arrangement is transparently agreed upon by all participants from the outset.
Peran Arbitrase di Bank Syariah dalam penyelesaian Sengketa hasanah, Ulfa
TAWAZUN: Journal of Sharia Economic Law Vol 4, No 2 (2021): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v4i2.10697

Abstract

The Indonesian muamalah arbitration board was officially established on October 21 1993. Based on the decision letter of the Indonesian Ulama Council no. Kep/09/MUI/XXI/2003 dated December 24, 2003, in the name BAMUI was changed to the National Sharia arbitration body (BASYARNAS). The application of arbitration as a dispute resolution in Islamic banks through the national Sharia arbitration board is a research called normative juridical. Every sharia bank activity must comply with the fatwa of the National Sharia Council of the Indonesian Ulema Council, as well as the resolution of disputes in sharia banks. The National Sharia Arbitration Board has procedural regulations in accordance with the provisions of law number 30 of 1999 concerning arbitration and alternative dispute resolution.

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