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Inklusif: Jurnal Pengkajian Penelitian Syariah dan Ilmu Hukum
Published by Universitas Islam Negeri Siber Syekh Nurjati Cirebon
ISSN : 23032669     EISSN : 25489631     DOI : -
Core Subject : Social,
Law, Crime, Criminology & Criminal Justice Social Sciences
Journal INKLUSIF is a journal organized by Department of Syari’ah, Post Graduate Programe Syekh Nurjati State Islamic University. It only publishes original papers (no plagiarism) of literature and field research related to the Study and Research of Economics and Islamic Law. It focuses on the theme and topic of Islamic law: Islamic Criminal Law; Islamic Civil Law; Islamic Family Law; Application of Islamic Law in Indonesia; Islamic Economics; Islamic Banking, Sharia Accounting; and Issues of Contemporary Islamic Economics.
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Articles 119 Documents
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PENERAPAN PRINSIP PEMBIAYAAN MURABAHAH PADA KSPPS BMT NUSA UMMAT SEJAHTERA KC. CIREBON TINJAUAN PERSPEKTIF HUKUM ISLAM Hafni Khairunnisa; fadli abdullah
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN EKONOMI DAN HUKUM ISLAM) Vol 7, No 2 (2022): DESEMBER 2022
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v7i2.11122

Abstract

Murabahah is one of the fund distribution products that is quite popular with BMT customers because of its profitable characteristics. However, even though the implementation is easy and much-loved by the public, Murabaha financing also has many problems. Many factors include ordinary people who still do not understand about murabahah financing, because there are still many people who think that murabahah financing is the same as conventional financing. In fact, according to the DSN-MUI fatwa, this is not the case. For this reason, the author aims to conduct an analysis of the application of the principle of Murabaha financing. This research was conducted at KSPPS BMT Nusa Ummat Sejahtera KC. Cirebon, whose address is at Jalan Raya Tengah Tani No. 17 Dawuan Village, Tengah Tani Subdistrict, Cirebon Regency. The focus of the research is on an analysis of the condition of the BMT in the village, both institutional conditions, services, and practices in the field. The subjects of this research are the managers of BMT Nusa Ummat Sejahtera. The research methods used descriptive qualitative. The result of the research is murabahah funding as a one of product  which BMT NU Sejahtera practically have doing by islamic principle.  
KEBERLANJUTAN EKONOMI LOKAL MASA PANDEMI COVID-19 Mar’I Muhammad Hadiq
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN EKONOMI DAN HUKUM ISLAM) Vol 7, No 2 (2022): DESEMBER 2022
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v7i2.12552

Abstract

The 2019 Corona Virus Disease (Covid-19) pandemic has spread throughout the region, the economic aspect is the impact that gets the most attention after the health aspect. Kapuas Hulu's economy has declined due to external influences as well as local conditions. The economic crisis must be addressed immediately so that it does not sink further into an economic depression. Therefore, the economic recovery must be immediately designed and started to be implemented. Through a qualitative descriptive study, this paper aims to reveal the economic base in Kapuas Hulu to carry out economic recovery due to the Covid-19 pandemic. Kapuas Hulu is rich in natural resources, as well as the majority of its people as farmers in a broad sense and mining, so the economic recovery strategy is to rely on the agricultural sector and people's businesses on commodities that are business-worthy, develop local trade and markets, apply information technology, and encourage micro, small and medium enterprises (MSMEs), including cooperatives, Village Owned Enterprises (BUMDes) and Regional Owned Enterprises (BUMD). As a strengthening of the recovery program, there must be policies and facilities from the government to mobilize and expedite recovery efforts, and must involve large companies in the regions to help empower the business aspects of people's businesses.This type of research is library research (library research), in the sense that all data sources come from written materials in the form of books, documents, magazines and texts that are related to the topic of discussion through a review of various literature related to research which includes primary, secondary data. , dantertier. The data collected, read.The results of this study are economic recovery in several countries by subsidizing workers' wages, encouraging the development of tourist innovations, relaxing direct loans and digitalization in developing MSMEs and optimizing tourism. While our country's economic recovery strategy can also carry out the same strategy to increase economic recovery among the strategies that can be implemented include: Providing social assistance to business actors, tax incentives, loan relaxation, providing working capital, providing product buffers, e-learning coupled with strategies long term and short term as is the handling of Covid-19.
OPTIMALISASI LABA MELALUI PEMULIHAN PEMBIAYAAN BERMASALAH DAN HAPUS BUKU DI BANK BJB SYARIAH KCP SUMEDANG Asen Ahman; Kosim Rusdi; Ayus Ahmad Yusuf
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN EKONOMI DAN HUKUM ISLAM) Vol 7, No 2 (2022): DESEMBER 2022
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v7i2.12537

Abstract

Profit is often used as a measure to assess company performance. The elements that form part of profit are income and costs. Profits in Islamic banks can be obtained through expansion of fund distribution (financing), fee-based income and rescue of non-performing financing as well as recovery of write-off financing. The most significant profit optimization outside the main business of Islamic banks is obtained through the recovery of non-performing financing and write-offs.The concept of Miles and Huberman can be applied in determining steps to save or resolve non-performing financing and recover write-offs to acquire loss reserves into profit. Through data reduction and then presenting research data, conclusions can be drawn from the results of research analysis in the form of a chart or cycle of problem solving steps.Based on the financial data for 2019, 2020 and 2021 analyzed, it can be revealed steps and procedures for rescuing and resolving non-performing financing and recovering write-offs at Bank bjb Syariah KCP Sumedang. The results of the analysis are proven to be able to increase profits significantly, so that the profits obtained by the bank become more optimal.The implementation of an early warning system is also needed in the context of handling the financing portfolio through strengthening the financing decision committee and improving the quality of contracts as well as controlling and monitoring the quality of ongoing financing.
KONSEP TAHSINIYAT DALAM MAQASID SYARIAH HUKUM PERKAWINAN ibnu fauzan; Wasman Wasman
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN EKONOMI DAN HUKUM ISLAM) Vol 7, No 2 (2022): DESEMBER 2022
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v7i2.12551

Abstract

Marriage is a bond between a man and a woman as husband and wife who are legal in the eyes of law and religion to form a family (household) that is sakinah, mawadah and warahmah towards a happy family in the world and the hereafter, the basis of marriage is to worship only Allah SWT. Maqasid sharia is a concept that has become an interesting discussion among scholars. This concept was known long before Syatibi, but this concept was very attached to him because he was the first to introduce it completely as a method of legal thought. Substantially maqasid sharia or the purpose of establishing law is nothing but benefit.This type of research is library research (library research), in the sense that all data sources come from written materials in the form of books, documents, magazines and texts that are related to the topic of discussion through a review of various literature related to research which includes primary, secondary data. , dantertier. The data collected, read.The result of this research is that Islamic law has a purpose realizing human benefit (maqasid al-shariah) in the world and happiness in the hereafter. This embodiment is determined by the harmonization of the relationship between humans both individually and collectively, as well as the relationship between humans and their natural surroundings. This relationship is like in marriage, because marriage is a medium for getting to know each other. The true purpose of marriage in Islam is the development of human morality and humanizing it, so that the relationship that occurs between two different genders can build a new life socially and culturally. Maqashid sharia in hifzhu an-Nasl (caring for offspring or honor) is at the hajiat level, then Marriage is a necessity, as a natural human desire to be in pairs. 
FAKTOR- FAKTOR YANG MEMPENGARUHI TINGKAT PENDAPATAN PEDAGANG KAKI LIMA DI KOTA CIREBON Ani Sofia Diyani; Karlina Karlina
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN EKONOMI DAN HUKUM ISLAM) Vol 7, No 2 (2022): DESEMBER 2022
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v7i2.12535

Abstract

This study aims to analyze and understand the factors that influence the level of income in Cirebon. The variables used are Y variables, namely income, and X variables, capital, length of business, and working hours. This variable was tested using normality, multicollinearity, and heteroscedasticity tests. Then test the data using a t-test and adjusting the coefficient of determination test. The tests carried out present the results that the first hypothesis, namely capital affects income received, where the more capital obtained, the more income received because it is easier to find places and materials or tools to make sales if you have sufficient or excess capital to make sales. Then the variable length of business affects the level of income that will be owned, the reason is that the length of the business will make the workers more agile and more skilled in running the business they have. While on the working hours variable, it is determined that there is no effect on the following variables because the working hours variable is not under the informal sector actors, the existing hours are flexible and sometimes do not match the existing reality. The limitation of this study is that the number of competitors is not included in the opinion of Husaini & Fadhlani (2017) that competitors are more influential than working hours.
IMPLEMENTASI PRINSIP SYARIAH DALAM PERJANJIAN PEMBIAYAAN MUDHARABAH PERBANKAN SYARIAH DI INDONESIA PERSPEKTIF PRINSIP BERKONTRAK KUHPerdata SEBAGAI HUKUM POSITIF Abdul Fatakh; Rabith Madah khulaili Harsya
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN EKONOMI DAN HUKUM ISLAM) Vol 7, No 2 (2022): DESEMBER 2022
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v7i2.12550

Abstract

bertumbuhnya perbankkan syariah di Indonesia perkembangannya sangat pesat sekali, di tandai tumbuhnya lembaga keuangan perbankan Syariah dari BUMN dan BUMS, salah satu dari produk perbankan syariah tersebut yang sangat dikenal yaitu pembiayaan mudharabah, kemudian yang membedakan secara prinsip antara perbankan syariah dengan perbankan konvensional yaitu pada akad berkontrak atau perjanjian, dalam konsep dan teori akad berkontrak pembiayaan mudharabah di bank syariah tersebut di atas, menggunakan prinsip dan asas akad Syariah atau hukum Islam, sedangkan perjanjian bank konvensional lebih mengedepankan prinsip-prinsip perjanjian KUHPerdata. Kemudian banyak yang memperdebatkan dan pro kontra tentang Implementasi prinsip-prinsip perjanjian pembiayaan mudharabah perbankan syariah di Indonesia Prespektif prinsip atau akad berkontrak kitab Undang-undang hukum perdata (KUHPerdata) Bagaimana implementasi prinnsip perjanjian Pembiyaan mudharabah perbankan syariah di Indonesia Prespektif KUHPerdata? menurut Kitab Undang-Undang Hukum Perdata (KUHPerdata) dalam asas-asas akad pembiayaan mudharabah bank syariah? Implementasi Prinsip-prinsip Syariah Perjanjian Pembiayaan Mudharabah Perbankan Syariah di Indonesia Prespektif KUHPerdata sebagai hukum positif, adalah Bisa, karena asas-asas perjanjian KUHPerdata tersebut tidak bertentangan dengan syarak, syariat Islam, hakekat akad atau perjanjian (kontrak), Undang-Undang 1945 dan Pancasila. Walaupun kedua asas memiliki perbedaan sangat mendasar pada filosofi hukum dan secara garis besar perbedaan yang sangat relevan dan signifikan tentang asas akad pembiayaan mudharabah bank syariah dan asas perjanjian menurut KUHPerdata adalah asas akad menurut hukum Islam sah bila tidak bertentangan dengan syariat sedangkan menurut hukum eropa kontinental perjanjian sah bila tidak bertentangan dengan Undang-Undang Dasar 1945. Aspek aspek yang membuat bank syariah dalam perikatan berkontrak perjanjian dengan akad pembiayaan mudharabah antara kreditur dan debitur menggunakan regulasi atau landasan dan atau dasar hukum perjanjian KUHPerdata sebagai hukum positif adalah, karena bank syariah di Indonesia masih dalam satu wilayah negara kedaulatan Republik Indonesia yang berasaskan Pancasila dan Undang-Undang Dasar 1945, dan faktor lainnya asas-asas akad pembiayaan mudharabah bank syariah dan asas-asas perjanjian menurut KUHPerdata sebagai hukum positif relevan dan tidak bertentangan dengan syarak dan Undang-Undang 1945 dan Pancasila, untuk rujukannya.hukum Islamnya bisa menggunakan dalam Fatwa Dewan Syariah dan Fatwa MUI.
Analisis Model Akad Pengumpulan Dana Tabarru’ Berbasis Ta’awun Dalam Implementasi Takāful Al-Bahjah Sehat Cirebon Muhamad Saechu
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN EKONOMI DAN HUKUM ISLAM) Vol 7, No 2 (2022): DESEMBER 2022
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v7i2.11546

Abstract

Yayasan Al-Bahjah mendirikan lembaga Al-Bahjah Sehat untuk menjawab problematika perusahaan asuransi syariah. Pertanyaan penelitian ini adalah Bagaimana konsep akad tabarru’  berbasis ta’āwun di lembaga Al-Bahjah Sehat Cirebon, bagaimana model pengumpulan dananya dan bagaimana implementasinya? Tujuan penelitian ini adalah untuk mengetahui, men-deskripsikan dan menganalisa konsep akad tabarru’ berbasisi ta’awun, model pengumpulan dana dan impelementasinya di dalam lembaga Al-Bahjah Sehat Cirebon. Metode penelitian yang diguanakan adalah metode kualitatif dengan jenis penelitian field research dan pendekatan yang diguanakan adalah pendekatan case study. Kesimpulan penelitian ini adalah (1) Al-Bahjah sehat menggunakan konsep tabarru’ berbasis ta’awun yang sesuai dengan prinsip syariah; (2) Model pengumpulan dananya juga sesuai dengan prinsip syariah; (3) Implementasi konsep tabarru’ berbasis ta’awun pada peserta golongan karyawan dan masyarakat sesuai dengan prinsip syariah, adapun peserta golongan santri yang dibayarkan oleh wali santri memerlukan perbaikan dalam akad dan metode  pembayarannya.
OPTIMALISASI PENDAMPINGAN PROSES SERTIFIKASI HALAL UMK DI CIREBON mahrun nisa ali
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARI' DAN ILMU HUKUM) Vol 8, No 1 (2023): Juni 2023
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v8i1.14195

Abstract

Halal certification will be mandatory for all products in Indonesia including MSEs products. That is why the acceleration of halal certification must be carried out by BPJPH, one of which is by forming a companion team for the halal product process for MSEs. The purpose of this study was to analyze the optimization of MSEs coaching in submitting halal certificates in Cirebon. The research method used is through a qualitative approach with interactive model analysis method, using primary and secondary data sourced from observation, interviews and literature review. The results of this study indicate that LP3H IAIN Syekh Nurjati Cirebon has assisted MSEs a lot in applying for halal certification, but there are still some obstacles in it. With this effort, it is hoped that it will be able to resolve the obstacles encountered so that the assistance of MSEs in applying for halal certificates in Cirebon becomes more optimal.
DAMPAK PERNIKAHAN DINI TERHADAP KEHARMONISAN KELUARGA ibnu fauzan
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARI' DAN ILMU HUKUM) Vol 8, No 1 (2023): Juni 2023
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v8i1.14293

Abstract

This early marriage seems to be a "fad" that repeats. In the past, young marriage was considered commonplace. Years change, more and more are against marriage at an early age. This phenomenon is back again, if in the past parents wanted their children to marry young for various reasons, now many teenagers themselves dream of marrying young. They are not village teenagers, but teenagers in big cities. In addition, some teenagers view that marrying young is an option so that they avoid committing sinful acts, such as having sex before marriage. Marriage at a young age is only a piece of the social reality that society is currently facing. Among adolescents, marriage at a young age is seen as a way out to avoid free sex. There are also those who do it out of necessity and because they become pregnant out of wedlock. This opinion may be true, but marriage is certainly not just uniting oneself in a marriage as an answer to the problems of life that are being faced. Marriage is a provision of life that must be prepared carefully.This type of research is library research (library research), in the sense that all data sources come from written materials in the form of books, documents, magazines and texts that are related to the topic of discussion through a review of various literature related to research which includes primary, secondary data. , dantertier. The data collected, read.The results of this study are marriages at a young age that are carried out by someone who essentially lacks preparation or maturity both biology, psychologically and socio-economically. Young marriages have a real impact on the level of family welfare. This can be seen from the side of family harmony and peace, the harmony and harmony of young couples and the fulfillment of their material and spiritual needs is still not good. Keywords: Maqashid Syari'ah and Marriage Law.
RELASI KUASA DALAM PERKAWINAN ANAK (Studi di Kecamatan Greged Kabupaten Cirebon) Fitriana Fitriana; Siti Fatimah
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARI' DAN ILMU HUKUM) Vol 8, No 1 (2023): Juni 2023
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v8i1.12400

Abstract

ABSTRACTFITRIANA. 19086040003. "RELATIONS OF POWER IN CHILD MARRIAGE (Case Study in Greged District, Cirebon Regency)", 2022.Child marriage is still one of the phenomena that worries the world and often makes teenagers make it their main goal in life. Not least the cause of child marriage is the existence of power relations. Based on absolute numbers, the highest number of child marriages was found on the island of Java, which then made the authors study Cirebon Regency. This is reinforced by reports recorded at the Sumber Religious Court, that as many as 1,640 marriage dispensation applications were registered from 2018 to June 2022, and Greged District is one of the Districts with the highest marriage rate in Cirebon Regency. This paper discusses the contextual conditions of the prevalence of child marriage in Greged District, what factors have caused the rise of child marriage, and what are the impacts on women there. The theory that the writer uses as a knife for this analysis is Michel Foucault's Power Relations theory. The essence of Foucault's thought is power and knowledge. The method used is a qualitative research method with a legal sociology approach. The results of this study are first, the highest child marriage rate is occupied by Lebak Mekar Village and the lowest is occupied by Greged Village. This sub-district is dominated by farm laborers as well as traders, 100% Muslim and safe political conditions. Second, low educational strata, limited finances, existence of power relations, traditional assumptions, juvenile delinquency problems, and religious understanding are the factors causing the rise of child marriage. Third, the impact on women is health risk, cut off from education, increasing poverty for women, and the potential to experience domestic violence.Keywords: Child Marriage, Power Relations, Greged    

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