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PERLINDUNGAN HUKUM BAGI JAMAAH HAJI DAN UMROH DALAM PERJANJIAN PERJALANAN IBADAH MELALUI PT. ZAFA MULIA MANDIRI (STUDI PADA CABANG KETIGA ZAFA TOUR PT. ZAFA MULIA MANDIRI) Segara, Andika; Cholidi, Cholidi; Erniwati, Erniwati
Muamalah Vol 6 No 1 (2020): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

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Legal Protection for Hajj and Umrah Pilgrims in the Worship Travel Agreement through PT. Zafa Mulia Mandiri (Study at the Third Branch of Zafa Tour PT. Zafa Mulia Mandiri). In this case, it is undeniable that in Indonesia, there has been a lot of neglect of the congregation, the absence of the congregation, and other fraud committed by the bureau that organizes the Umrah worship. So this study aims to review legal protection and responsibility for Haj and Umrah pilgrims by Zafa Tour PT. Zafa Mulia Mandiri. The focus of this research is legal protection. This type of research is field research. The data sources of this research are primary data and secondary data. Data collection techniques used in this study, namely observation, interview, and documentation. This research data analysis technique used qualitative research with qualitative descriptive method. The results showed that (1) Mechanism of Legal Protection Agreement for Hajj and Umrah Pilgrims at PT. Zafa Mulia Mandiri. The validity of the agreement between the Zafa Tour and the congregation after the DP and repayment made by the congregation according to the departure schedule he chose. (2) In the Sharia Economic Law Review on Legal Protection for Hajj and Umrah Pilgrims of PT. Zafa Mulia Mandiri is in accordance with the laws of Hifdz Diin (safeguarding religion) and Hifdz Nafs (guarding the soul) of sya'rah, where the settlement is by deliberation, does not harm one another and is in accordance with the provisions of the Laws and Regulations of the Minister of Religion of the Republic of Indonesia

DROPSHIPPING DALAM TRANSAKSI JUAL BELI (ANALISIS TERHADAP KONSEP JUAL BELI MENURUT IBNU KHALDUN) Anggraini, Mika; Junaidi, Heri; Armasito, Armasito
Muamalah Vol 6 No 1 (2020): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

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The world of business, especially in buying and selling transactions in era of globalization as it is today is different from the classical transaction, it is the impact of technological advances that are growing rapidly. Like Dropshipping, Dropshipping is a retail shale that is similar to retail sales, unique in dropshipping retailers do not need to store the product physically. Retailers estabilish business partnerships with individuals or wholesale companies that are suppliers of product sold by retailers. This system only provide invormation about the goods to be sold and usually in the form of photo, product detail articles to consumers and complete specifications, if anyone is interested to buy than the goods will be sent directly from supplier or distributor. *** Dunia bisnis khususnya dalam transaksi jual beli di era globalisasi seperti saat ini berbeda dengan transaksi klasik, hal tersebut adalah dampak dari kemajuan teknologi yang berkembang semakin pesat. Seperti halnya dropshipping. Dropshipping adalah jual beli yang mirip dengan penjualan dengan cara eceran, uniknya dalam dropshippping pengecer tidak perlu menyimpan barang secara fisik, pengecer menjalin kerjasama bisnis dengan perorangan atau perusahaan grosir yang merupakan pemasok dari produk yang dijual oleh pengecer. Sistem ini hanya memberikan informasi mengenai barang yang akan dijual dan biasanya berupa poto, artikel detail produk kepada konsumen serta spesifikasi yang lengkap. Jika ada yang tertarik untuk membeli maka barang akan dikirim langsung oleh pihak supplier dan distributornya. Keyword; Transactions, Dropshipping and seller

TRADISI NGEBOM DI KECAMATAN PENDOPO KABUPATEN EMPAT LAWANG DALAM PERSPEKTIF HUKUM EKONOMI SYARIAH Apri, Rudi; Harun, Muhammad; Tamuddin, Muhammad
Muamalah Vol 6 No 1 (2020): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

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ABSTRACT Human life is required to interconnect and interweave ropes among others, this is called the term Hablum minnnas. Through the relationship will be a sense of solidarity, kinship, and help each other, one of which is to help in the form of accounts receivable debt. Through debt is the receivables that human beings can each other lighten each other's burden. It is right to say that this aspect of debt is very important in terms of relieving baban for people in need, because the debt of accounts can give happiness, and also can be one of the good deeds in Islam. The object of research in this thesis is the debt of materials groceries in the form of tradition, as for the problems that become the main target of the author in this thesis is how the debt mechanism of groceries groceries in the form of this tradition. While the type of research used is the type of field research where the data source obtained and collected from the results of data processing in the field are closely related to the title of this thesis. Types of sources and data in this study in the form of qualitative data is the data in the form of a description of something related from the primary data and secondary data collection techniques of this data by way of interviews, and documentation associated with this thesis. So it can be concluded that the implementation of the mechanism of debt in the form of materials receivables sembako in Pendopo District Empat Lawang based on this tradition is very useful for the community involved. This is clearly permitted or prohibited by Islamic law. Whereas in the transaction of debtors' receivables of materials grown in the Pendopo Sub-district of Empat Lawang Regency there must be a willingness between both parties as a lender and the party who is given the debt. Keywords: Tradition, Ngebom, debt Kehidupan manusia dituntut untuk saling berhubungan dan menjalin tali silaturahmi antar sesama, ini yang disebut dengan istilah Hablum minnnas. Melalui hubungan tersebut akan terjalin rasa solidaritas, kekeluargaan, dan tolong menolong antar sesama, salah satu diantaranya ialah tolong menolong dalam bentuk utang piutang. Adapun objek penelitian ini ialah utang piutang bahan sembako dalam bentuk tradisi. bagaimanakah mekanisme utang piutang bahan sembako dalam bentuk tradisi ini. Sedangkan jenis penelitian yang digunakan adalah jenis penelitian lapangan dimana sumber datanya diperoleh dan dikumpulkan dari hasil pengolahan data di lapangan yang erat kaitannya dengan judul skripsi ini. Penelitian ini berupa data kualitatif.teknik pengumpulan data ini dengan cara wawancara, dan dokumentasi yang berhubungan dengan masalah yang diteliti. Hasil penelitian bahwa pelaksanaan mekanisme utang piutang dalam bentuk bahan sembako di Kecamatan Pendopo Kabupaten Empat Lawang yang berbasis tradisi ini diperbolehkan oleh syariat Islam dengan syarat: harus ada kerelaan di antara kedua belah pihak baik sebagai pemberi utang maupun pihak yang diberi utang. Kata kunci: Tradisi, Ngebom, Utang-piutang

PENERAPAN ASAS-ASAS HUKUM EKONOMI SYARIAH DALAM PERJANJIAN KREDIT BAKU PEMBIAYAAN UMKM PADA DINAS KOPERASI DAN UKM KOTA PALEMBANG Anugraini, Indah; Jafri, Jafri; Lubis, Ramiah
Muamalah Vol 6 No 1 (2020): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

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ABSTRACT In general, the credit agreement which used in the UMKM financing is a standard agreement which clauses have been determined by the creditor, so that consumers as debtors are only have a choice between accepting or rejecting the contents of the standard agreement either in part or whole which affect the debtor for not receiving the UMKM financing credit. As for the problems in this study are: 1) How is the implementation of the standard UMKM financing credit agreement at Dinas Koperasi and UKM of Palembang city? 2) How to apply the principles of syariah economic law in the standard UMKM financing credit agreement at Dinas Koperasi and UKM of Palembang city?. This research is classified into the type of field research. The type of data that is used primary data and secondary data that is consisting of primary legal materials. Data collection techniques used are through interviews, documents and literature study. The collected data then would be analyzed into descriptively qualitative. This research result in this thesis conclude that in implementing the standard UMKM financing credit agreements set by Dinas Koperasi and UKM of Palembang city with standard operating procedures for strengthening capital loans will make it easier for consumers to apply for working capital loans for small and micro enterprises. Meanwhile, the contents of the UMKM financing standard credit agreement set by the Palembang BPR bank in collaboration with Dinas Koperasi and UKM of Palembang city still have not fully implemented the principles of syariah economic law, namely the principles of freedom (Al- Hurriyah) and principle of justice (Al-Adalah). Keywords: Agreement, Standard Credit, UMKM Financing, Principles of Syariah Economic Law ABSTRAK Pada umumnya, perjanjian kredit yang digunakan dalam pembiayaan UMKM merupakan perjanjian baku yang kalusul-klausulnya telah ditentukan oleh pihak kreditur, sehingga konsumen sebagai debitur hanya mempunyai pilihan antara menerima atau menolak isi dari perjanjian baku tersebut baik sebagian maupun keseluruhan yang mengakibatkan debitur tidak akan menerima kredit pembiayaan UMKM tersebut. Adapun permasalahan dalam penelitian ini adalah:1) Bagaimana pelaksanaan perjanjian kredit baku pembiayaan UMKM di Dinas Koperasi dan UKM Kota Palembang? 2) Bagaimana penerapan asas-asas Hukum Ekonomi Syariah dalam perjanjian kredit baku pembiayaan UMKM di Dinas Koperasi dan UKM Kota Palembang?. Penelitian ini digolongkan kepada jenis penelitian lapangan (field research). Jenis data yang digunakan adalah data primer dan data sekunder yang terdiri dari bahan hukum primer, bahan hukum sekunder dan bahan hukum tersier. Teknik pengumpulan data yang digunakan yaitu melalui wawancara, dokumen dan studi kepustakaan. Data yang terkumpul kemudian dianalisis secara deskriptif kualitatif. Hasil penelitian ini menyimpulkan bahwa dalam pelaksanaan perjanjian kredit baku pembiayaan UMKM harus memenuhi persyaratan yang telah ditentukan oleh Dinas Koperasi dan UKM Kota Palembang dengan standar operasional prosedur pinjaman penguatan modal akan memudahkan konsumen dalam mengajukan pinjaman modal kerja bagi usaha kecil dan mikro. Sedangkan isi dari perjanjian kredit baku pembiayaan UMKM yang telah ditetapkan oleh Bank BPR Palembang yang bekerja sama dengan Dinas Koperasi dan UKM Kota Palembang masih belum menerapkan asas-asas Hukum Ekonomi Syariah sepenuhnya, yaitu asas kebebasan (Al-Hurriyah) dan asas keadilan (Al-Adalah).

PANDANGAN MASYARAKAT DESA LUBUK LANCANG KECAMATAN SUAK TAPEH KABUPATEN BANYUASIN TERHADAP PROGRAM PEMINJAMAN UANG MELALUI PROGRAM NASIONAL PEMBERDAYAAN MASYARAKAT MANDIRI PER-DESAAN MENURUT HUKUM EKONOMI SYARIAH Septiani, Septiani; Fauziah, Fauziah; Surya, Yono
Muamalah Vol 6 No 1 (2020): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

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Abstrack In an effort to advance the economy of the community, the government is doing a lot of economic programs. One of the efforts made by the government by establishing a National Community Empowerment Program (PNPM) Mandiri in Rural Areas, one of which is a special lending activity for women's groups in general aims to develop the potential of lending activities. This research method is Field Research. Data collection techniques used in this study use field studies, literature studies and documentation. The problem in this study about, how is the view of the Lubuk Lancang Village Community in Suak Tapeh District, Banyuasin Regency Against Borrowing of Money through the National Community Empowerment Program (PNPM) Mandiri, and the Review of Sharia Economic Law Against (PNPM) Independent Companies in Lubuk Lancang Village Suak Tapeh District, Banyuasin Regency. The results of this study according to sharia economic law review borrowing money through the National Program for Community Empowerment (PNPM) Mandiri Village in Lubuk Lancang Village, Suak Tapeh District, Banyuasin Regency. Borrowing funds is included in the category of riba Nasi'ah, that is, someone who lends or exchanges goods or money to pay later, which is accompanied by interest, and if it is late paying, the interest is also (Interest rate). Keywords: borrowing, debts, usury ABSTRAK Dalam upaya memajukan perekonomian masyarakat, pemerintah banyak melakukan program-program perekonomian. Salah satu upaya yang dilakukan pemerintah dengan cara mendirikan lembaga Program Nasional Pemberdayaan Masyarakat (PNPM) Mandiri Perdesaan, salah satunya yaitu kegiatan peminjaman khusus untuk kelompok perempuan secara umum bertujuan untuk mengembangkan potensi kegiatan peminjaman uang. Metode penelitian ini bersifat Field Research. Tehnik pengumpulan data yang digunakan dalam penelitian ini menggunakan studi lapangan, studi kepustakaan dan dokumentasi. Permasalahan dalam penelitian ini tentang, bagaimana Pandangan Masyarakat Desa Lubuk Lancang Kecamatan Suak Tapeh Kabupaten Banyuasin Terhadap Peminjaman Uang Melalui Program Nasional Pemberdayaan Masyarakat (PNPM) Mandiri Per-desaan, dan Tinjauan Hukum Ekonomi Syariah Terhadap (PNPM) Mandiri Per-Desaan Di Desa Lubuk Lancang Kecamatan Suak Tapeh Kabupaten Banyuasin. Adapun hasil dari penelitian ini menurut tinjauan hukum ekonomi syari‟ah peminjaman uang melalui Program Nasional Pemberdayaan Masyarakat (PNPM) Mandiri Per-desaan di Desa Lubuk Lancang Kecamatan Suak Tapeh Kabupaten Banyuasin. Peminjaman dananya termasuk dalam kategori riba Nasi‟ah yaitu seseorang yang meminjamkan atau menukarkan barang atau uang bayar kemudian yang disertai bunga dan jika terlambat membayar disertai bunga pula (Bunga berbunga). Kata Kunci: Peminjaman, Hutang-Piutang, Riba

TINJAUAN HUKUM EKONOMI SYARI’AH TERHADAP SISTEM JAMINAN SOSIAL TENAGA KERJA BAGI PEKERJA DI PT FORTUNA MARINA SEJAHTERA PALEMBANG Purnamasari, Sinta; Kencana, Ulya; Hidayat, Fatah
Muamalah Vol 6 No 1 (2020): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

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ABSTRACT This research is motivated by the existence of a Labor Social Security System that can provide motivation and loyalty to the company will increase which in turn will have a positive impact on work productivity and from the company will encourage companies to increase efficiency. Two things were raised as the focus of research. First, how is the Social Security System for Workers at PT. Fortuna Marina Sejahtera Palembang? Second, What Is the Review of the Shari'ah Economic Law Regarding the Labor Social Security System for Workers at PT. Fortuna Marina Sejahtera Palembang?. From the descriptions presented by various reviews, this study concludes that the Workforce Social Security System for Workers at PT. Fortuna Marina Sejahtera Palembang is a Workforce Social Security System for Workers at PT. Fortuna Marina Sejahtera Palembang runs based on the applicable law and also complies with Shari'ah economic law because in Shari'ah economic law social security is strongly recommended. Then Review of Syari'ah Economic Law on Workers' Social Security System for workers at PT. Fortuna Marina Sejahtera Palembang in all matters that provide protection in activities in accordance with Islamic sharia can be permitted, the prohibition that occurs is if safety is used not for welfare and safety that is applied in PT. Fortuna Marina Sejahtera Palembang Keywords: Social Security, Work Accident, BPJS Employment Penelitian ini di latar belakangi dengan adanya suatu Sistem Jaminan Sosial Tenaga Kerja dapat memberikan motivasi dan kesetiaan pekerja terhadap perusahaan akan meningkat yang pada akan gilirannya akan berdampak positif terhadap produktivitas kerja dan dari sisi perusahaan akan mendorong perusahaan meningkatkan efisiensi. Dua hal yang diangkat sebagai fokus penelitian. Pertama, Bagaimana Sistem Jaminan Sosial Tenaga Kerja Bagi Pekerja Di PT. Fortuna Marina Sejahtera Palembang?Kedua, Bagaimana Tinjauan Hukum Ekonomi Syari’ah Terhadap Sistem Jaminan Sosial Tenaga Kerja Bagi Pekerja Di PT. Fortuna Marina Sejahtera Palembang?. Dari uraian-uraian yang disajikan berbagai tinjauan maka penelitian ini menyimpulkan bahwa Sistem Jaminan Sosial Tenaga Kerja Bagi Pekerja di PT. Fortuna Marina Sejahtera Palembang adalahSistem Jaminan Sosial Tenaga Kerja Bagi Pekerja di PT. Fortuna Marina Sejahtera Palembang berjalan berdasarkan Undang-Undang yang berlaku dan sesuai juga dengan hukum ekonomi syari’ah karena didalam hokum ekonomi syari’ah jaminan sosial sangat di anjurkan untuk dilaksanakan.Kemudian Tinjauan Hukum Ekonomi Syari’ah terhadap Sistem Jaminan Sosial Tenaga Kerja Bagi pekerja Di PT. Fortuna Marina Sejahtera Palembang dalam semua hal yang memberikan perlindungan dalam aktifitas sesuai dengan syariah islam dapat di perbolehkan, larangan yang terjadi adalah jika keselamatan di gunakan bukan untuk kesejahteraan dan keselamatan yang di terapkan dalam PT. Fortuna Marina Sejahtera Palembang. Kata kunci :Jaminan Sosial, Kecelakaan Kerja, BPJS Ketenagakerjaan

PANDANGAN MAJELIS ULAMA INDONESIA (MUI) KABUPATEN BANYUASIN TERHADAP PERMAINAN HARGA KARET OLEH TENGKULAK DI DESA GALANG TINGGI KECAMATAN BANYUASIN III suwito, suwito; Atika, Atika; Himsyah, Fatroyah Asr
Muamalah Vol 6 No 1 (2020): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

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ABSTRACT The law of buying and selling is basically permitted in Islamic teachings, Islam provides an opportunity between seller and buyer to bargain but is prohibited from monopolies or forms of trade that have the potential to harm others. In Galang Tinggi Village, Banyuasin III District, there is a transaction known as the price game on rubber latex transactions. The issues raised in this study are: 1) What are the factors that cause middlemen to play with rubber prices 2) What is the perspective of the Banyuasin District Indonesian Ulema Council (MUI) leader on the rubber price game. The method used in this research is field research using qualitative descriptive research. The sample in this study used the first purposive sampling is the MUI figure with daily management criteria of 3 people. Second is 3 rubber farmers. Third is the middleman of 3 people. Data collection techniques using interview and documentation methods. Based on these results a conclusion has been obtained. The price game played by the middlemen in Galang Tinggi Village does not seem to provide fairness in terms of prices to farmers. According to the opinion of the figures of the Indonesian Ulema Council of Banyuasin Regency, they have an opinion that the price of rubber carried out by the middlemen in Galang Tinggi Village, Banyuasin III District, includes the unjust sale and purchase of other people's property in a vanity manner at the expense of one of the parties. Keywords: Pricing Games, Brokers, Buying and Selling Hukum jual beli pada dasarnya dibolehkan pada ajaran Islam, Islam memberikan kesempatan antara penjual dan pembeli untuk tawar menawar namun dilarang monopoli atau bentuk perdagangan yang berpotensi merugikan orang lain. Di Desa Galang Tinggi Kecamatan Banyuasin III, terdapat transaksi yang dikenal dengan permainan harga pada transaksi getah karet. Permasalahan yang diangkat dalam penelitian ini ialah: 1) Apakah faktor penyebab tengkulak mempermainkan harga karet 2) Bagaimana perspektif tokoh Majelis Ulama Indonesia (MUI) Kabupaten Banyuasin terhadap permainan harga karet. Metode yang digunakan dalam penelitian ini yaitu penelitian lapangan (field research) dengan jenis penelitian deskriptif kualitatif. Sampel dalam penelitian ini menggunakan purvosive sampling yang pertama adalah tokoh MUI dengan kriteria pengurus harian 3 orang. Kedua ialah petani karet 3 orang. Ketiga ialah tengkulak 3 orang. Teknik pengumpulan data menggunakan metode wawancara dan dokumentasi. Berdasarkan hasil penelitian tersebut telah diperoleh suatu kesimpulan. Permainan harga yang dilakukan oleh tengkulak yang terjadi di Desa Galang Tinggi sepertinya tidak memberikan keadilan dari segi harga terhadap para petani. Menurut pandangan tokoh Majelis Ulama Idonesia Kabupaten Banyuasin memiliki pendapat bahwa penetapan harga karet yang dilakukan tengkulak di Desa Galang Tinggi Kecamatan Banyuasin III termasuk jual beli yang zalim karena memakan harta orang lain dengan cara yang batil dengan merugikan salah satu pihak

HAK PREFEREN ATAS PENAGIHAN UTANG PAJAK DALAM PERSPEKTIF HUKUM EKONOMI SYARI’AH Haryati, Haryati; Rochmiatun, Siti; Afriansyah, Syafran
Muamalah Vol 5 No 2 (2019): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

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ABSTRACT This thesis departs from academic anxiety when Taxpayers have tax debt which is a debt to the state. In tax law, the state has a special position, namely preferential rights (formerly) to collection of tax debts compared to personal debt. Preferred rights owned by the state must take precedence when the Taxpayer has a debt between tax debt and other preferred creditors. If the preferential rights of other preferred creditors are impaired because of the country's preferential rights, then the losses suffered by the community will outweigh the benefits. This study aims to answer about how the position of the country's preferential rights on tax debt collection and how the position of the country's preferential rights to collection of tax debt in the perspective of shari'ah economic law. This type of research is normative research (library research/ library research). The data collection technique used in this study is through literature studies. The type of data used is qualitative data. The data source used is secondary data. Data analysis in this study used a qualitative descriptive method. The results of this study conclude that the position of the country's preferential rights on tax debt collection has a prioritized position, which is more than the other preferred creditors. When a taxpayer has a creditor who has equal rights, the country's preferential rights to collection of tax debts are the most special because they have the facility to pay priority. In Shari'ah economic law, regarding the position of the state's preferential rights over the collection of tax debts, the payment takes precedence. The priority scale for the payment of the tax debt owned by the state takes precedence over payment of personal debt. This is because the results of the tax payments are used for the benefit of many people. Keywords: preferential rights, tax debt.

PERSPEKTIF HUKUM EKONOMI SYARI’AH TERHADAP NEGOSIASI NASABAH KLAIM PRODUK TAKAFULLINK SALAM (STUDI KASUS PT TAKAFUL KELUARGA PALEMBANG) putri, ilma mala; holijah, holijah; Hidayat, Fatah
Muamalah Vol 5 No 2 (2019): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

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Penelitian yang berjudul Perspektif Hukum Ekonomi Syariah terhadap negosiasi nasabah klaim produk takafullink salam Studi PT Takaful keluarga Palembang. Dilatarbelakangi oleh keinginan peneliti untuk memahami secara mendalam mengenai asuransi yang bersifat syariah, mengingat berkembangnya lembaga keuangan yang mengunakan prinsip syariah, seperti asuransi takaful keluarga. Perlunya mengantisipasi timbulnya perselisihan yang mungkin dapat terjadi di hari mendatang. Karenanya negosiasi adalah alternatife yang tepat dalam penyelesaian suatu perselisiahan. Permasalahan pada penelitian ini ialah. 1). Bagaimanakah negosiasi nasabah klaim produk takafullink salam di PT takaful Keluarga Palembang. 2). Bagaimanakah perspektif hukum ekonomi syari‟ah terhadap negosiasi nasabah klaim produk takafullink salam di PT Takaful Keluarga Palembang. Metodelogi penelitian ini adalah jenis penelitian menggunakan penelitian lapangan (filed Research) yaitu penelitian yang langsung berhubungan dengan objek yang diteliti dengan alat pengumpulan data melalui wawancara dan dokumentasi melalui tanya jawab kebeberapa objek, kemudian data tersebut dikelola dengan menguraikan permasalahan yang sejelas-selasnya lalu menarik suatu kesimpulan dari umum ke khusus. Hasil penelitian bahwa: Negosiasi nasabah klaim produk takafullink salam dilakukan dengan merundingkan ulang kepada nasabah, bahwa apa yang diperselisihkan telah di jelaskan secara rinci pada polis asuransi. Hal tersebut kemudian dibuktikan dengan data awal akad antara nasabah dan perusahaan. Diikuti dengan proses perdamaian dengan cara kekeluargaan. Dalam kajian hukum ekonomi syariah negosiasi nasabah klaim produk takafullink salam di PT takaful keluarga Palembang dengan nasabahnya telah mengkuti nilai nilai syari’ah. Indikator yang terlihat dari hasil lapangan ialah langkah perdamaian dengan syarat yang sama sama ikhlas (anta radhin). Kata Kunci: Negosiasi, Nasabah, klaim.

TINJAUAN TERHADAP PUTUSAN HAKIM DI PENGADILAN AGAMA MUARA ENIM KELAS 1B DALAM PERKARA WANPRESTASI AKAD PEMBIAYAAN MURABAHAH OLEH PENGGADAI KEBUN TERHADAP PT. BNI SYARIAH KANTOR CABANG PRABUMULIH Ramadhania, Ine Chintya; Kencana, Ulya; Lubis, Ramiah
Muamalah Vol 5 No 2 (2019): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

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This thesis is entitled Judge Decision in the Muara Enim Religious Court in the case of a default of murabahah financing contract by the pawnbroker of the BNI Syariah Branch Office Prabumulih with the background of the problem in the murabahah financing contract especially the problems that arise in the contract, one of which is default. Like what often happens in people's lives now. Most people choose the way to borrow money from existing banks so that the existence of Sharia Banking with its range of products is expected to accommodate the interests of the community (customers) who want the banking system to use Sharia principles because Indonesian people are interested in Banking, Financial, Commercial activities and Investment in accordance with the Shariah rules. The problem raised in this thesis is to find out whether the legal issues between BNI Syariah Banking in the form of default and to know the legal reasons of the Estuary Enim Religious Court judges in deciding default cases by garden pledge against BNI Syariah in the perspective of sharia economic law. The method used in this study uses a type of qualitative data, the source of data taken from this study is secondary and primary data. Secondary data relating to research subjects obtained from books, internet and legal dictionaries related to this research. The primary data is data taken directly from the research site. Based on the results of the discussion it can be concluded that the default according to the murabahah financing agreement in this case is as stated in the provisions of Article 14 Chapter Promise Injury Events (defaults) arising from the customer not fulfilling the obligations set out in this contract. While the judge's decision is a case in the field of Sharia Banking, with the main object being used as a legal source in adjudicating this case is a murabahah financing contrac.

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muhammadsarip_uin@radenfatah.ac.id

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Jl. Prof. K. H. Zainal Abidin Fikri No.KM. 3, RW.5, Pahlawan, Kec. Kemuning, Kota Palembang, Sumatera Selatan 30126

Location
Kota palembang,

Sumatera selatan

INDONESIA

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Contact Name Muhammad Sarip

Contact Email muhammadsarip_uin@radenfatah.ac.id

Phone +6282186738668

Journal Mail Official muhammadsarip_uin@radenfatah.ac.id

Editorial Address Jl. Prof. K. H. Zainal Abidin Fikri No.KM. 3, RW.5, Pahlawan, Kec. Kemuning, Kota Palembang, Sumatera Selatan 30126

Location Kota palembang, Sumatera selatan INDONESIA

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Abstract

Contact Name
Muhammad Sarip

Contact Email
muhammadsarip_uin@radenfatah.ac.id

Phone
+6282186738668

Journal Mail Official
muhammadsarip_uin@radenfatah.ac.id

Editorial Address
Jl. Prof. K. H. Zainal Abidin Fikri No.KM. 3, RW.5, Pahlawan, Kec. Kemuning, Kota Palembang, Sumatera Selatan 30126

Location
Kota palembang,

Sumatera selatan

INDONESIA