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INDONESIA
ASAS : Jurnal Hukum Ekonomi Syariah
Asas (ISSN 1979-1488 E-ISSN:2722-8681) is a biannual journal (June and December), published by Faculty of Sharia, State Islamic University of Raden Intan Lampung, INDONESIA. Asas emphasizes Scientific Journal of Syari’ah Economic Law studies and communicates researches related to Syari’ah Economic Law studies As an academic journal Asas by the State Islamic University of Raden Intan Lampung. The purpose of this journal publication is of disseminate the latest theories and research results from all aspects that have been achieved in the fields of Syari’ah Economic Law. This journal publishes useful works through a systematic process and can be accessed free of charge. Asas is indexed by: DOAJ; Crossref; Moraref; ROAD; Garuda; Google Scholar; CiteFactor; Academic Scientific Journals; Academia.edu; Mendeley; ISSUU; LIPI: Indonesian Publication Index; DRJI: Directory of Research Journals Indexing; ISSUU index; Cosmos Impact Factor; ISJD: Indonesian Scientific Journal Database, Grammarly.
Arjuna Subject : Umum - Umum
Articles 302 Documents
Management Analysis of Zakat, Infaq, Shodaqoh Fund Management in Improving Member Welfare at BMT Assyafi'iyah Berkah Nasional Rumbia Branch Hani, Ummi; Khotamin, Nur Alfi; Mukhlishin, Ahmad
ASAS Vol. 15 No. 02 (2023): Asas, Vol. 15, No. 02 Desember 2023
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v15i02.16483

Abstract

Management The management of zakat, infaq, and shodaqoh (ZIS) funds of BMT Assyafi'iyah Berkah Nasional (BN) Rumbia Branch continues to spur economic growth of the community. One of them is by giving infaq. The infaq fund managed by BMT Assyafi'iyah BN Rumbia Branch is a fund distributed by muzakki. ZIS is a potential source of funds that can be used as an effort to realize people's welfare. The implementation of zakat involves a number of activities related to the management of zakat fund management, including: planning, organizing, implementing, and supervising the collection and distribution. The purpose of this study is to determine the management of ZIS funds in Baitul Maal Assyafi'iyahRumbia Branch, as well as to determine the improvement of member welfare. This type of research uses a qualitative descriptive approach. Data sources consist of primary and secondary data. Data collection techniques in this study used interviews, observation, and documentation as well as data analysis using an inductive approach. The management of  ZIS fund management in Baitul Maal Assyafi'iyahRumbia Branch has been carried out according to the planned program, there are supporting and inhibiting factors in carrying out ZIS fund management management, but Baitul Maal Assyafi'iyah is able to overcome member difficulties that have an impact on member welfare.Keywords: Member Welfare, ZIS Fund Management Management
Optimization Of Bil Wakalah Murabahah Contracts Towards The Responsibility Of Sharia Banking Kur Finance Pratama, Muhamad Zundi; Noviarita, Heni Noviarita; Sanjaya, Frenky Sanjaya
ASAS Vol. 15 No. 02 (2023): Asas, Vol. 15, No. 02 Desember 2023
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v15i02.16539

Abstract

One of the banks that collects funds from the public and distributes it back to customers in the form of financing is Islamic Banks, one of the financing products channeled is People's Business Credit (KUR) financing. In implementing KUR financing, Islamic banks use a murabahah bil wakalah contract. Optimization of murabahah bil wakalah contracts will be discussed for the responsibility of Islamic banking credit financing using data analysis methods. People's Business Credit (KUR) which aims to support Indonesian Micro and Small Enterprises (UMK) licensing. Bank Indonesia's KUR, stated that in the implementation of credit there were several obstacles in the business of a community concept, this KUR was fully guaranteed by the government. The contract in KUR is a Murobahah contract, namely buying and selling where the investor provides the goods the customer wants, then the financier provides the goods the customer wants at a purchase price plus a certain profit price. order, Murabaha determines a certain rate of return can buy or not Murabaha is a contract to buy and profit is agreed between the seller and the buyer. The most important thing that distinguishes traditional banks from Islamic banks is the determination of the selling price and purchase price. Conventional banks always base their pricing on interest rates, while Islamic banks are based on Islamic concepts. The Islamic concept is cooperation in a profit-sharing system in times of wins and losses. Everything related to sharia banks and sharia business entities. This is the form of a Murabahah contract where Murabahah can be made on behalf of the Bank for the goods later. Orders received from subscribing customers. According to the type of product in Islamic banking, namely financing of products offered by Islamic banking, including mandatory savings, savings and investments. Akad used for Mudharabah financing. Financing, namely financing for products offered by Islamic Banking for commercial purposes. The contracts for financing products are Murabahah, Musyarokah and IMBT. Services, namely products offered by Islamic banks to meet business and personal needs, such as product services, operational services and investment services. including mandatory savings, savings and investments. Akad used for Mudharabah financing. Financing, namely financing for products offered by Islamic Banking for commercial purposes. The contracts for financing products are Murabahah, Musyarokah and IMBT. Services, namely products offered by Islamic banks to meet business and personal needs, such as product services, operational services and investment services. including mandatory savings, savings and investments. Akad used for Mudharabah financing. Financing, namely financing for products offered by Islamic Banking for commercial purposes. The contracts for financing products are Murabahah, Musyarokah and IMBT. Services, namely products offered by Islamic banks to meet business and personal needs, such as product services, operational services and investment services. 
The Practice of Transferring Land Ownership to a Pawn Agreement from the Perspective of Sharia Economic Law Faizal, Liky; Tamza, Fristia Berdian
ASAS Vol. 15 No. 02 (2023): Asas, Vol. 15, No. 02 Desember 2023
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v15i02.16583

Abstract

Receivable debt agreement, the rahin party binds the pledge guarantee in the form of a Notarial Deed of PPAT which is authorized to make a pledge agreement contract. The lien agreement is usually only carried out by binding collateral to ensure that rahin does not default on receivables given by the murtahin. However, in this agreement, the rahin party immediately promised to transfer land ownership to the murtahin party if the rahin party was unable to pay off the debt. This transfer provision, in substance, is not found in the concept of fiqh muamalah, but the rahin party only guarantees land (marhun) as collateral for debt. The focus of the problem in this study is what is the view of Islamic law on the agreement to transfer land guarantees for receivables? Meanwhile, the purpose of this study is the contract of transferring land ownership to a pawn contract from the perspective of shari'ah economic law. This research uses descriptive research method analysis with qualitative approach and literature for secondary and other data. The result of this study is that the land ownership transfer agreement that takes place in the Rahn contract is invalid, because basically the rahin only guarantees land as debt security and the transfer of land ownership has an element of imbalance between the value of debt and the value of land (marhun). In order for the Rahn transaction to be in accordance with the provisions of the Shari'a, the agreement in the repayment of the debt can be made provided that the rahin party may give the land (marhun) to the murtahin party as debt repayment, and but the murtahin party must increase the money from the remaining debt in the amount of the land priceKeywords: Pawn, Ownership, Transfer
Regulation Of Sharia Microfinance Institutions Toward Credit Cooperations Based On Sharia Principles Martania, Mira; Islahudin, Ahmad Noor; Kurniati, Herlina
ASAS Vol. 15 No. 02 (2023): Asas, Vol. 15, No. 02 Desember 2023
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v15i02.17412

Abstract

In empowering the people's economy through providing inclusive and sharia-based financial access. Islamic microfinance institutions, namely credit cooperatives, which aim to provide financial services in accordance with sharia principles to their members. One of the theories underlying the regulation of Islamic microfinance institutions towards credit cooperatives based on Islamic principles is that Islamic finance must follow Islamic principles in every aspect of its operations, including the prohibition of usury, gharar, and maysir, as well as an emphasis on fairness, sustainability, and economic empowerment. The problem of different understanding and interpretation of sharia principles is a challenge in the implementation of this law. In addition, compliance with and supervision of sharia principles is also a problem because it requires deep understanding and effective oversight mechanisms. The purpose of the regulation of Islamic microfinance institutions for credit cooperatives based on sharia principles is to create financial institutions that can provide financial services in accordance with sharia principles to their members. This includes empowering the people's economy, creating a fair and sustainable financial system, and providing more inclusive financial alternatives for the community.Keywords: Economic empowerment, sharia principles, compliance, supervision, regulation
Ojk And Dps Supervision From Sharia Economic Law Perspective Hidayat, Taufik; Majdidin, Rijah Muhammad; Nur, Efa Rodiah
ASAS Vol. 15 No. 02 (2023): Asas, Vol. 15, No. 02 Desember 2023
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v15i02.17683

Abstract

The OJK supervision system for Sharia banking can be implemented in three ways, namely providing permits, integrating all provisions, and integrating one-stop licensing. In the context of Islamic law, the OJK supervision system in Sharia banking consists of two aspects, namely providing rules and regulations related to banking management and licensing through OJK regulations, as well as direct and indirect supervision in collaboration between the OJK and the National Sharia Council (DSN) to form a Board. Sharia Supervisor (DPS) who will supervise banking compliance with the Sharia principles used.In supervising Sharia banking, OJK acts as the Al-Hisbah Institution, which is a supervisory institution that oversees market operations. The DPS formed by OJK and DSN acts as Muhtasib, which is assigned to carry out direct supervision of each Sharia bank. However, OJK only gives authority to DPS to control and assess the implementation of Sharia concepts in the Sharia banking sector and does not have the authority to provide provisions, policies, or penalties in supervising the implementation of activities in Sharia banks.To support the development of the Sharia economy in Indonesia, DPS, which acts as Muhtasib in supervising Sharia banking, needs to be given special authority apart from controlling and assessing, namely also providing policies and provisions related to licensing before and during activities in the sharia banking sector.Keywords: Sharia Economic Law, OJK, DPS, and Sharia Banking
Freight Courier Payroll System in Islamic Law Review (Study on Id Express Way Halim Bandar Lampung) Marwin, Marwin; Maraliza, Helma; Nugraha S, Muhammad Akbar
ASAS Vol. 15 No. 02 (2023): Asas, Vol. 15, No. 02 Desember 2023
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v15i02.17926

Abstract

The more advanced about freight forwarding services in the modern era, many people now like to send goods through freight forwarding services such as one of Id Express to facilitate people in carrying out goods delivery activities, where consumers only pay service wages to the Id Express after a transaction where the determination of service wages is carried out by the Id Express. The focus of this research is how the practice of paying couriers for goods in Id Express and seen from the perspective of shari'ah economic law? The purpose of this study is to know and analyze the practice of paying couriers for goods in Id Express and seen from the perspective of shari'ah economic law. This research is a field research. The power collection methods used are; interviews and documentation. The collected data is then analyzed qualitatively with a descriptive approach to explain the entire wage system at Id Express Way Halim, Bandar Lampung. The results of this study found that the freight courier wage system on Id Express Way Halim is a wage system seen from the delivery of goods, where the courier must send goods according to the target given from the Id Express and if the couriers do not send packages according to the target, their salaries will be deducted by 50% from the Id Express, while the wage system is not explained at the beginning of the agreement between the courier and the company, so in Islamic Law it is not allowed because it is not in accordance with the print of the Qur'an surah Hud verse 85, then does not meet the requirements of ijarah which is the willingness of both parties. And not in accordance with Consumer Protection Law No. 8 of 1999 Article 8 Point c.Keywords: Goods Courier Wages System, Id Express Way Halim
Dispute Resolution of Akad Mudharabah Muqayyadah (Analysis of Decision No. 1695/Pdt.G/2012/PA. Js, Number 5/Pdt.G/2014/PTA. Jk and Number 272 K/Ag/2015) Fauzi, Muhammad Yasir; Pane, Erina; Hasan, Muhamad
ASAS Vol. 15 No. 02 (2023): Asas, Vol. 15, No. 02 Desember 2023
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v15i02.18521

Abstract

Sharia economic dispute resolution in Indonesia can be resolved through litigation and non-litigation. Through litigation becomes the absolute authority of religious courts, while non-litigation can be through deliberation, mediation or sharia arbitration bodies. The problem in this study is about the disparity in the decision of religious court judges in deciding disputes over mudharabah muqayyadah contracts submitted in religious courts, namely Decision Number 1695 / Pdt.G / 2012 / PA. Js, Number 5/Pdt.G/2014/PTA. Jk and Number 272 K / Ag / 2015, which in its contract mentions the sharia arbitration body as a dispute resolution institution. The purpose of this study is to analyze the judge's consideration of the disparity of the three rulings. This type of research is literature research and the nature of analytical descriptive research. The data obtained was sourced from the document of the South Jakarta Religious Court Decision Number 1695 / Pdt.G / 2012 / PA. Js, Jakarta High Religious Court Decision Number 5/Pdt.G/2014/PTA. Jk and Supreme Court Decision Number 272 K / Ag / 2015. Data collection techniques by means of library and documentation methods. Data analysis using qualitative analysis research methods. The results of this study showed that the South Jakarta Court Decision granted the Plaintiff's lawsuit by not considering the authority of the religious court in resolving the dispute despite the difference in contract clauses, the Jakarta High Religious Court stated that the religious court was not authorized to adjudicate the dispute because there was an arbitration clause in the contract, while the Supreme Court ruled that the religious court was authorized to resolve the dispute with consideration under Article 1343 and Article 1344 of the Civil Code, that is, the will of the parties takes precedence.Keywords: contract mudharabah muqayyadah, sharia economics, dispute resolution
Application Of Modern Monetary Theory In Efforts For Country Economic Recovery From Islamic Economic Perspective Putri, Mega Aulia; Pane, Erina; Irwantoni, Irwantoni
ASAS Vol. 16 No. 1 (2024): Asas, Vol. 16, No. 01 Juni 2024
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v16i1.18778

Abstract

The global economic crisis is when all sectors of the world market economy experience a collapse (a state of emergency) and affect other sectors worldwide. To reduce the deficit, the DPR proposed money printing by observing the policies of several countries that carry out economic stimulus through printing money, as has been implemented by America and China, but the proposal from the DPR was rejected by the Ministry of Finance and BI because it was thought to cause inflation, but several countries in the eurozone have implemented MMT to be a solution to the economic crisis. Proponents of MMT argue that governments can print money to fund spending without causing inflation, as long as they manage the money supply and keep inflation rates low. This research aims to explain explicitly the application of MMT to improve the country's economy and how the concept of MMT is from an Islamic economic perspective. The method used in this article is qualitative library research. The study concludes that several countries, especially in Europe, have used the MMT concept to be applied to a country's economic development. Several pro-MMT experts explained that printing money will not result in inflation in the country as long as it manages the money supply and the inflation rate remains low, from an Islamic Economics perspective. Also, MMT is not contradictory because the MMT concept is something that humans use as a price standard, a means of exchange transactions, and a means of storage.Keywords: Economy; Inflation; Money;
The Implementation of Law Number 21 of 2008 Concerning Sharia Banking on Sharia Financial Institutions is Underway Sharia Economic Law Perspective Rahma, Fuji Alia; Noviarita, Heni; Zaharah, Rita
ASAS Vol. 16 No. 1 (2024): Asas, Vol. 16, No. 01 Juni 2024
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v16i1.18779

Abstract

The role of Law Number 21 of 2008 concerning Sharia Banking for Islamic financial institutions is very large, because currently Islamic financial institutions (LKS) have legal certainty to be able to carry out Islamic economic activities in Indonesia. The existence of the Sharia Banking Law provides an answer to the sustainability of the Islamic economy in Indonesia as a whole, both those that include the activities of Islamic financial institutions in the form of banks and non-banks. In this context, what is studied is the basis of sharia economic law and the implementation of Law Number 21 of 2008 in society. The purpose of this research is also to find out the legal position of sharia economics in Indonesia in accordance with the law being studied. This study uses library research with a qualitative research method, also known as a qualitative method of literature study. The results of this study are in accordance with the rules stated in its implementation, strengthened by a normative juridical point of view, which is the legal umbrella in the settlement of sharia economic disputes in Indonesia, namely Law Number 3 of 2006 concerning Religious Courts and Law Number 4 of 2004 about the Judicial Power as a form of upholding legal justice for the community in carrying out sharia economist activities in Indonesia, which is a reflection for the State of Indonesia in providing social justice for all Indonesian people. Keywords: Financial Institutions; Banking; Sharia;
Legal Protection for Financial Technology Services from a Maqashid Syariah Perspective Sari, Livia Trijunita; Khoiruddin, Khoiruddin
ASAS Vol. 16 No. 1 (2024): Asas, Vol. 16, No. 01 Juni 2024
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v16i1.18780

Abstract

Fintech currently developing in Indonesia is fintech peer-to-peer lending or what is usually called fintech lending. This fintech company uses data as one of the conditions for becoming a user of this fintech service to carry out transactions on the Fintech application. However, there are no statutory regulations governing information technology-based financial services business activities. The focus of this research problem is how to protect Fintech law in Indonesian legislation and legal protection from the perspective of Maqashid Syariah . The purpose of this research is to find out how fintech legal protection is and to find out fintech legal protection from the Maqashid Syariah Perspective. This research method uses literature study from various literature . The results of this research are that legal protection is provided by OJK Number 77/POJk.01/2016, namely regarding Information Technology-Based Money Lending and Borrowing Services, here in after referred to as POJK LPMUBTI and is contained in the Financial Services Authority Circular Letter Number 2/SEOJK.07/2014. From the perspective of Maqashid Syariah Legal Protection to protect Ad-Din, An-Nafs, An-Nash, Al-Aql, Al-Mal .Keywords: Financial Technology; Supervision; Regulations 

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