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Et-Tijarie: Jurnal Hukum dan Bisnis Syariah
Published by Universitas Trunojoyo Madura
ISSN : 24422932     EISSN : 25496794     DOI : -
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other
Et-Tijarie merupakan salah satu jurnal ilmiah yang diterbitkan oleh Program Studi Hukum Bisnis Syariah, Fakultas Keislaman, Universitas Trunojoyo Madura. Jurnal ini terbit dua kali dalam setahun, yaitu; bulan Januari-Juni dan bulan Juli-Desember. Terdaftar dengan Nomor ISSN: 2442-2932 dan E-ISSN: 2549-6794.
Arjuna Subject : -
Articles 71 Documents
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Implementation of Maslahah in the LPDB-KUMKM Revolving Fund Loan or Financing Program Fahamsyah, Mohammad Hatta; Kusumaningtyas, Menur; Fatih, Sultan
Et-Tijarie Vol 8, No 1: Juni 2023
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ete.v8i1.24229

Abstract

This research aims to explore the implementation of maslahah in the loan or revolving fund financing program managed by the Cooperative, Micro, Small, and Medium Enterprises Revolving Fund Management Institution (LPDB-KUMKM).The research method used is a literature study with a descriptive qualitative approach. Secondary data was obtained from a variety of sources, including journals, related research, and books relevant to the context of the discussion.The results of the study show that LPDB-KUMKM as a whole has applied the concept of maslahah in its program. This finding is reflected in several aspects. First, LPDB-KUMKM has succeeded in creating economic independence for cooperatives and partner MSMEs through the provision of funds, training, and mentoring. Second, this institution ensures that all programs implemented meet the characteristics of sharia compliance by avoiding elements of riba, gharar, and maisir. Third, this institution also conducts a comprehensive risk evaluation including credit risk, operational risk, and compliance risk. Fourth, LPDB-KUMKM actively empowers the community through training programs, mentoring, and providing access to other resources. Fifth, LPDB-KUMKM applies the principles of accountability and transparency in every stage of its management. Sixth, this institution is actively involved in the process of continuous evaluation and improvement to ensure the efficiency and effectiveness of all programs implemented. The results of this research can be implemented into the economic life of the community by utilizing Maslahah in loan program activities and revolving funds.
Determination of Mu'nah Pawn from The Perspective of Fatwa DSN MUI (Comparative Study on Pegadaian Syariah and Bank Syariah Indonesia) Anam, Khoiril; Musadad, Ahmad; Kumala DS, Agustina
Et-Tijarie Vol 9, No 1: Juni 2024
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ete.v9i1.26338

Abstract

The determination of mu'nah on Pegadaian Syariah and Bank Syariah Indonesia must be in accordance with the provisions of the DSN MUI Fatwa related to rahn. However, in practice, there are often problems because in the process of determining mu'nah it does not refer to the estimated amount of goods mortgaged (marhûn bih) but based on the estimated value of gold. This provision has a risk that harms consumers in financing contracts through pawns because there is a potential error in the assessment of the value of gold or because the accuracy of the assessment is low. This paper examines the mechanism and suitability of the determination of mu'nah at Pegadaian Syariah and Bank Syariah Indonesia in Bangkalan from the perspective of DSN-MUI fatwa.The research method used is a qualitative method with descriptive-analytical analysis techniques. The source of data was obtained through observation and interviews with informants, namely employees of Pegadaian Syariah and BSI in Bangkalan as well as documentation of the source of documents related to the determination of mu'nah.The results of the study show that the determination of mu'nah (maintenance costs) of pawns at Pegadaian Syariah and Bank Syariah Indonesia is determined based on the estimated value, not the amount of the loan. The determination of mu'nah is in accordance with the conditions and pillars of pawn, namely âqid, where râhin and murtahin have the legal skills to carry out pawn practice, then there is clarity and agreement from the râhin and murtahin, collateral can be sold and has a value equivalent to the amount of debt. The agreement/contract used does not contain an element of usury, as evidenced in gold pawn financing activities, does not apply an interest system in obtaining profits, but from the cost of maintaining pawn goods and does not contain an element of gharar, as evidenced in this gold pawn financing, the object of financing is clear both in terms of quantity, quality, and price of goods. 
Review of Fiqh Muamalah and Fatwa DSN MUI Murabahah Financing at BMT on MSME Mualifah, Leni; Hermawan, Rudi
Et-Tijarie Vol 7, No 2: Desember 2022
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ete.v7i2.15566

Abstract

This study discusses the review of Islamic law on murabahah financing by BMT Artha Sejahtera on MSME actors. Departing from the phenomenon of financing that is mostly done by various sharia-based financial institutions, the author then formulates it into two forms of questions 1.) What is the form of murabahah financing by BMT Artha Sejahtera for MSME. 2) What is the Review of Islamic Law on MSME Murabahah Financing at BMT Artha Sejahtera. The aim is to find out the MSME Murabahah Financing at BMT Artha Sejahtera and to find out the Islamic Law Review regarding MSME murabahah financing at BMT Artha.Qualitative research method is a research method in which the author as the key instrument examines the condition of a natural object and expresses it systematically, logically, rationally, and directed. This research is also a type of field research, in which the author directly reviews the social conditions of a society.The results of this study indicate that murabahah financing by BMT Artha Sejahtera for MSME actors is carried out by providing goods or services that can support the business of members as MSME actors based on the provisions and agreements of the murabahah contract between the two parties and according to Islamic law the contract applied by BMT Artha Sejahtera in murabahah financing to MSMEs has complied with the existing terms and pillars.
INDONESIAN FIQH IN RESOLVING CONTEMPORARY PROBLEMS “Menggagas Kembali Fiqh Indonesia Dalam Bingkai Masyarakat Multikultural di Era Globalisasi” Muniri, Akhmad Syamsul
Et-Tijarie Vol 2, No 1: Juni 2015
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ete.v2i1.27263

Abstract

Departing from the view Hasbi ash-Shiddiqy who want to form Fiqh Indonesia by using all existing legal schools (muqaranah al-madzahib) as the base material as well as a major source of material and Hazarin for the creation of national schools of fiqh (Indonesia) departing only from development Shafi'i fiqh schools, then in this paper in this globalization era author wants to initiate re-Fiqh Indonesia by using all existing schools of law globally, or more broadly in this paper multicultural society menghasilakn conclusion that Indonesian fiqh initiated back in the frame in the multicultural society the era of globalization is a long discourse dealt with by the experts of Islamic law so it needs no development using global law schools. Generally they argue, Shari'ah contained in the Quran and al-Sunnah should be understood as an ethical and moral norms are universal and applicable to all societies, across ethnicity, race, culture, customs and even religion though.
The Practice of Wages for Student Ojek Community in Trunojoyo University Madura (A Study of Fikih Muamalah) Ridwan, Ridwan
Et-Tijarie Vol 7, No 2: Desember 2022
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ete.v7i2.21763

Abstract

Jasa titip merupakan suatu usaha dibidang sewa jasa, dimana seseorang memberikan sebuah layanan jasa berupa pembelian barang sesuai dengan permintaan dari konsumen. Seperti baju, makanan, minuman dan produk-produk lain. Kemudian barang tersebut dibelikan oleh pihak jasa titip dengan ketentuan setiap barang yang dititip dikenakan biaya upah. Adapun untuk proses pembayarannya tergantung oleh pihak jasa titip. Penentuan biaya upah dalam transaksi jasa titip beraneka prakteknya. Oleh sebab itu, penelitian ini mengkaji mengenai praktek upah jasa titip komunitas ojek Mahasiswa di lingkungan Universitas Trunojoyo Madura dalam kajian Fikih Muamalah perspektif ijarah dan gharar.Penelitian ini menggunakan jenis penelitian lapangan yang menggunakan metode kualitatif. Pendekatan penelitian yang telah digunakan adalah pendekatan deskriptif kualitatif. Sumber data yang digunakan adalah sumber data primer, sumber data sekunder, dan sumber data tersier. Metode pengumpulan data dengan cara observasi, wawancara, dan dokumentasi. Metode analisa data kualitatif dilakukan secara induktif. Obyek penelitian pada jasa titip komunitas ojek Mahasiswa di lingkungan Universitas Trunojoyo Madura.Hasil dari penelitian ini menunjukan bahwa praktek upah jasa titip komunitas ojek Mahasiswa di lingkungan Universitas Trunojoyo Madura terdapat dua macam praktek yaitu praktek upah jasa titip yang membedakan antara harga barang dengan upahya atau disebut upah per-item dan praktek upah jasa titip yang memasukan upah pada harga barang atau disebut harga sudah termasuk jasa titip (include). yang pertama pada praktek upah menggunakan metode per-item adalah transaksi ijarah, upahnya diketahui dengan jelas sebab dibedakan dengan harga barangnya, sehingga praktek upah ini adalah transaksi yang sah. Yang kedua pada praktek upah menggunakan metode include juga merupakan akad ijarah, namun karena upahnya tidak diketahui dengan jelas diseababkan upah digabung dengan harga barangnya. Maka didalam Islam transaksi bisnis tersebut mengandung ketidak-jelasan (gharar), gharar dapat menyebabkan akad atau transaksi tersebut tidak sah.
Islamic Business Ethics on The Using Bots in The Completion of Daily Quests in The Game Growtopia Syifa, Muhammad Khoirus; Huda, Nurul; Mukarromah, Lisa Aminatul
Et-Tijarie Vol 9, No 2: Desember 2024
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ete.v9i2.27239

Abstract

The mechanism of using bots in the game Growtopia is indicated to violate the principles of Islamic business ethics according to Naqvi's theory. This is because the use of bots can create an imbalance within the game's ecosystem and cause losses to other players. The imbalance refers to the lack of sportsmanship among players. The losses suffered by other players include falling behind in virtual item productivity, and developers also experience losses as this can reduce the integrity of the game developers, who are perceived as unable to provide a healthy ecosystem for players. This research uses a descriptive-qualitative method with data collected through observation, interviews, and documentation. After conducting the research, it was found that the use of bots in Growtopia violates Islamic business ethics principles of balance, free will, and responsibility. While bots can provide efficiency in completing daily tasks, this ultimately undermines the integrity of the game and creates unfairness among players. The use of bots makes the game unfair because players using bots gain unreasonable advantages compared to those who play honestly. Growtopia imposes penalties in the form of bans on accounts detected using bots in the game.
Food Sale Pricing and Purchase with a Buffet System in The Perspective of Ibnu Taimiyyah Nur Fauzan, Muhammad Aqil
Et-Tijarie Vol 7, No 2: Desember 2022
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ete.v7i2.27229

Abstract

Jual beli prasmanan merupakan sesuatu yang baru di kalangan masyarakat. Permasalahannya pada penetapan harga dikarenakan para penjual memiliki sistem yang berpotensi merugikan pembeli. Penelitian ini bertujuan untuk mengetahui mekanisme penetapan harga di Warung Prasmanan Kota Malang dan mekanisme penetapan harga di Warung Prasmanan Kota Malang perspektif teori harga Ibnu Taimiyah. Penelitian ini termasuk penelitian yuridis empiris dengan pendekatan deskriptif kualitatif. Lokasi penelitian di lima warung prasmanan Kota Malang. Sumber data terdiri dari data primer dan data primer yang dikumpulkan melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menyatakan mekanisme penetapan harga di Warung Prasmanan Kota Malang terbagi menjadi dua jenis. Pertama, penjual menetapkan harga dengan memperhatikan porsi yang diambil oleh konsumen. Kedua, penjual menetapkan harga dengan menyamaratakan porsi yang diambil oleh konsumen. Mekanisme penetapan harga di Warung Prasmanan Kota Malang sesuai dengan penetapan harga yang adil sebagaimana teori harga perspektif Ibnu Taimiyah. Dalam mekanisme penetapannya telah mempertimbangkan laba yang diperoleh penjual tanpa merugikan pihak pembeli dan menjadikan keduanya sama-sama merasakan keadilan sehingga telah memenuhi harga yang setara (Tsaman Al-Mitsl) sebagaimana pandangan Ibnu Taimiyah.
Fiscal and Monetary Policy Ethics as Principal of Islamic Economy Regulation in Indonesia Ardiansyah, Mawar; Sukti, Surya
Et-Tijarie Vol 9, No 2: Desember 2024
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ete.v9i2.28331

Abstract

This study aims to examine the importance of ethics in the implementation of fiscal and monetary policies as the main instruments of macroeconomic management aimed at creating stability and public welfare. Fiscal policy involves managing taxes, subsidies, and budgets, while monetary policy focuses on controlling the money supply and interest rates. This study uses a qualitative descriptive method with a literature study approach, collecting data from books, journal articles, and other publications related to the topic of fiscal and monetary policy ethics. The analysis was carried out by identifying ethical principles such as fairness, transparency, and social responsibility in both policies. The results of the study indicate that the integration of ethical principles in fiscal and monetary policies is essential to ensure fair distribution of resources, transparent financial management, and avoidance of detrimental practices, such as usury and excessive speculation. Examples of the application of ethics in this policy include the implementation of zakat, waqf, setting the Highest Retail Price (HET), and sharia-based monetary management. In conclusion, fiscal and monetary policies based on ethics are not only able to maintain economic stability, but also support inclusive and sustainable development
Business Actors Responsibility for After Sales Service of Secondhand Iphone Zayyin, Moh.
Et-Tijarie Vol 7, No 2: Desember 2022
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ete.v7i2.27231

Abstract

Penjualan handphone iphone bekas saat ini merupakan hal yang sangat lumrah dilakukan oleh kebanyakan orang akhir-akhir ini, salah satunya yakni penjual iphone store di kota malang. Hal ini disebabkan karena penggunaan dan minat masyarakat atas handphone terus meningkat seiring perkembangan zaman dan teknologi yang semakin maju dan berkembang. Maka tak heran jika minat masyarakat atas handphone terus meningkat secara signifikan. Penelitian ini bertujuan untuk mengkaji lebih dalam terkait praktik jual beli yang dilakukan oleh store iphone dalam memenuhi hak-hak konsumen dan tanggung jawab store iphone memberikan pemenuhan hak-hak konsumen dalam proses jual beli. Jenis penelitian ini menggunakan penelitian empiris dan pendekatan yuridis sosiologis. Data diperoleh dengan dengan wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa praktik jual beli yang dilakukan oleh iphone store dalam memenuhi hak konsumen, masih belum sepenuhnya memberikan keadilan bagi konsumen karena konsumen seringkali dirugikan. Sebab dalam syarat dan ketentuan kwitansi atau nota terdapat klausula baku yang ditentukan secara spihak oleh pelaku usaha tanpa persetujuan terlebih dahulu dari konsumen. Hal ini 
Implementation of Religious Affairs Minister Regulation About Self-Declare Program at Small and Medium Enterprises in Tanjungbumi Bangkalan Zakiya, Iffa; Fajar, Fajar
Et-Tijarie Vol 9, No 2: Desember 2024
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ete.v9i2.24261

Abstract

The concept of halal in Islamic law is all food and drinks that are good and clean when consumed, so there needs to be a guarantee of halal products to obtain legal certainty regarding the halal of a product which is proven by a halal certificate. This study aims to determine the Halal Certification Process for Self-Declare Paths for Micro and Small Business Actors of Fauzah Shop Crackers in Banyusangka Village, Tanjungbumi District, Bangkalan Regency, whether it is in accordance with the Implementation of the Regulation of the Minister of Religion No. 20 of 2021. The research method used is qualitative research using a descriptive field research method with a normative legal approach with primary and secondary data sources and data acquisition through observation, interviews and documentation. The results of the study concluded that the Halal Certification Process for Self-Declare Paths for Micro and Small Business Actors of Fauzah Shop Crackers is in accordance with the regulations of the Minister of Religion No. 20 of 2021, namely the existence of a statement of halal product by business actors, materials used in the positive list and a series of simple PPH activities and their halal has been confirmed according to BPJPH halal standards and the products produced are halal in accordance with Islamic law, are not risky or dangerous 

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