ADDENDUM AKAD MURABAHAH BERDASAR PERATURAN BANK INDONESIA NOMOR 10 TAHUN 2008 TENTANG RESTRUKTURISASI PEMBIAYAAN BAGI BANK SYARIAH DAN UNIT USAHA SYARIAH (Studi di BRI Syariah Kantor Cabang Malang)

JURISDICTIE ◽  
2018 ◽  
Vol 8 (2) ◽  
pp. 142
Author(s):  
Nur Fitriani

<p>Addendum is worth reviewing with KHES and Fatwa DSN-MUI review, because in Islamic law merchantly buying and selling not only bring profit only, but must based on syariat and to avoid risk. This study aims to find out why BRI Syariah issued addendum and review of KHES and Fatwa DSN-MUI. This type of field research (field research) or referred to as empirical research, this study includes empirical research that examines the phenomenon of law. The approach used is the sociological juridical approach. The primary data collection method is the direct and secondary interviews used by the literature and documentation. Data analysis method used is qualitative data analysis. Data processing methods make the following efforts; editing re-examines files related to addendum and interview results of legal officers and customer service, clasifying and classifying edited data to facilitate analysis, verification of collected data to determine the validity of data, analytical data analysis procedures and application of addendum and concluding conclusions to obtain answer. The results of the study are: 1) addendum is done as an effort to avoid bank losses and maintain business continuity. 2) Addendum BRI Syariah Malang Branch Office is allowed due to the agreement of both parties.</p><p>Addendum layak dikaji dengan tinjauan KHES dan Fatwa DSN-MUI, karena dalam hukum Islam kegaitan jual-beli tidak hanya mendatangkan keuntungan semata, namun harus berdasarkan syariat dan untuk menghindari resiko. Penelitian ini bertujuan untuk mengetahui alasan BRI Syariah mengeluarkan addendum dan tinjauan KHES serta Fatwa DSN-MUI. Jenis penelitian ini lapangan (field research) atau disebut sebagai penelitian empiris, penelitian ini termasuk penelitian empiris yang meneliti fenomena hukum. Pendekatan yang digunakan adalah pendekatan yuridis sosiologis. Metode pengumpulan data primer adalah wawancara langsung dan sekunder yang digunakan kepustakaan dan dokumentasi. Metode analisis data yang digunakan adalah analisis data kualitatif. Metode pengolahan data melakukan upaya sebagai berikut; editing meneliti kembali berkas yang berkaitan dengan addendum dan hasil wawancara legal officer dan customer service, clasifiying menyusun dan mengklasifikasi data hasil editing untuk mempermudah analisa, verifiying memeriksa data yang terkumpul untuk mengetahui keabsahan data, analysing analisis data prosedur dan penerapan addendum dan concluding kesimpulan untuk mendapat jawaban. Hasil penelitian adalah: 1) addendum dilakukan sebagai upaya bank menghindari kerugian dan menjaga kelangsungan usaha. 2) Addendum BRI Syariah Kantor Cabang Malang diperbolehkan karena adanya kesepakatan kedua belah pihak.</p>

2019 ◽  
Author(s):  
Ali Geno Berutu

his Research proves that the implementation of Aceh Qanun No. 12, 13 and 14 Year 2003 on Khama r, M a i s i r , and Khalwat in Subulussalam is not completely worked well, because in addition to legal issues qanuns, most have efforts political consolidation of the central government and local government. This thesis supports and strengthens the conclusion Michail Buehrel in this article entitled “The Rise of Sharia by Laws in Indonesia District an Indication For Changing Patterns of Power Accumulation and Political Corruption ” (2008) who found the formulization of Islamic Law in the region is political consolidation instrument for exploring the local government, especially financially in building. Buehler did not even find a conservative movement in the imposition of Islamic Law in the area. This research also support M.B Hooker’s opinion in his work entitled Indonesian Syariah : Defining a National School of Islamic Law, (2008)which states that in legislative process of Islamic law in aceh. There are many obstacles and barriers , because the Sharia Law to be applied must necessarily correspond with the system national law, while the central government to add more breadth of autonomy for Aceh in the part of Islamic Law to legislate in the part of law qanuns jina&gt;na&gt;t . This thesis does not agree with the conclusion of Harold Crouch in his work The Recent Resurgence of Political Islam in Indonesia, “ Islam In Southeast Asi a: Analysing Recent Development” , ed. Anthony L. Smith, (Singapore: ISEAS, 2002) as saying that the barrage history of failure of Islamic parties in order to implement Islamic Law-making opportunities for the application of Islamic Law in Indonesia did not exist. Crouch’s opinion just say that the application of Islamic Law to be in the sense of establishing an Islamic State. Data obtained from field research (field research) with qualitative methods and approach the socio - legal - historical . The primary data of the document and the results wawancara and field observations. Primary data in the form of documents are: Law No. 44 In 1999, Law No. 18 of 2001, Law No. 11 In 2006, Qanun 5 In 2000, Qanun No. 12, 13, 14, 2003, Qanun 7 In 2013, Qanun 6 In 2014 and Qanun 8 Year 2014. The primary data in the form of interviews and observations sourced from: Office of Islamic Law (DSI), the Wilayatul Hisbah (WH), the Court Syar'iyah (MS), the Police, the Mufti Consultative Assembly (MPU), the Aceh Tradition Council (MAA). Secondary data in the form of: 1) the books on Islamic law, sociology and anthropology of law, the historical development of Islam in Indonesia; 2) journals and other scholarly works that examine the rules of Islamic law, the application of Islamic law, social and Community; 3) as well as other sources such relevant, scientific papers, websites, newspapers, magazines and others


JURISDICTIE ◽  
2017 ◽  
Vol 5 (2) ◽  
pp. 165
Author(s):  
Solihan Makruf

<p>In the modern era bankings are not only collecting funds from the society and distributing them as loans. It is important for us to observe whether the activities are halal or not from Islamic perspective. Therefore, it is important to build dependable islamic bankings with high Islamic law awareness. The study has three research questions. They are: 1) How is the practice of fiduciary guarantee in Bank SyariahMandiri Kota Malang? 2) What is the perspective of National Sharia Board of MUI on fiduciary guarantee in Bank Syariah Mandiri Kota Malang? 3) How is the execution of fiduciary guarantee as the consequence of debtor’s failure in paying their debt in Bank Syariah Mandiri Malang?The study employs sociological or empirical law method. It is an approach to analyze an effectively established legislation or law.It analyzes qualitatively the implementation of fiduciary guarantee in Bank Syariah Mandiri Kota Malang. The dataconsists of primary data from interviews and secondary data from the library study. The writer uses descriptive analytical data analysis.</p><p>Hasil penelitian menunjukan bahwa pelaksanaan jaminan dan eksekusi jaminan fidusia terhadap barang jaminan tidak sesuai dengan hukum yang ada dari perspektif hukum positif tentang jaminan fidusia dan dari perspektif hukum islam yang didasarkan pada fatwa Badan Syariah Nasional. Kesimpulannya, Bank Islam sering melakukan kesalahan pada prosedur eksekusi jaminan fidusia. Dari analisis tersebut, dapat disimpulkan bahwa prosedur jaminan fidusia dan eksekusinya di Bank Syariah Mandiri Kota Malang tidak sesuai dengan hukum yang ada. Seharusnya bank ini menerapkan prosedur sesuai dengan prinsip syariah dan fatwa Badan Syariah Nasional MUI, sebuah institusi yang menaungi bank-bank syariah dan hukum tentang jainan fidusia untuk memastikan pratik tersebut tidak akan merugikan pihak-pihak lain.</p>


2019 ◽  
Vol 3 (1) ◽  
pp. 97-116
Author(s):  
Moh. Ridlo Pambudi ◽  
Jamaludin A. Kholik ◽  
Moh. Nafik

Dalam transaksi jual-beli terkadang terjadi ketidak seimbangan dalam keuntungan maupun kerugian antara kedua Aqid. Dalam hal ini batalnya akad jual-beli bawang merah berpanjar yang dilakukan oleh Masyarakat Desa Putren Kecamatan Sukomoro Kabupaten Nganjuk pembeli bawang merah berpanjar ketika harga bawang merah naik, harganya tidak di naikan oleh sipembeli kemudian ketika bawang merah harganya turun sipembeli berhak menurunkan harganyanya sesuka hati. Secara metodologi, penelitian ini merupakan penelitian lapangan (field research) dengan pendekatan normatif. Penyusun menggunakan analisis kualitatif yang berlangsung selama dan setelah pengumpulan data dengan metode observasi, wawancara, dandokumentasi. Analisis data digunakan menggunakan metode deskriptif kualitatif. Berdasarkan hasil penelitian yang dilakukan peneliti, bahwa Praktek pembatalan akad jual beli bawang merah berpanjar di Desa Putren menurut tinjauan perspektif hukum Islam adalah tidak diperbolehkan dan diperbolehkan, tidak diperbolehkan dikarenakan salah satu pihak masih dirugikan dan itu dikatakan fasid, kurangnya informasi ketika  melakukan akad mengenai materi. Hal ini mengacu pada penjualan dimana obyek penjualan atau harga atau waktu pembayarannya belum di ketahui dan ditentukan. Di perbolehkan karena jual beli telah sesuai dengan rukun dan syarat akad, yaitu terdapat penjual dan pembeli yang bertujuan untuk menjual dan membeli, barang yang diperjual belikan adalah bawang merah. Selain itu jual beli bawang merah dengan sitem berpanjar ini dapat mendatangkan kemashlahatan bagi masyarakat setempat. Kata Kunci: Pembatalan, Akad, Berpanjar Abstract:In buying and selling transactions sometimes there is an imbalance in the profits and losses between the two Aqid. In this case the cancellation of the onions sale and purchase agreement carried out by the Putren Village Community in Nganjuk Regency Sukomoro Subdistrict, the buyer of the onion rises when the price of onion rises, the price is not raised by the buyer then when the onion drops. Methodologically, this research is a field research (field research) with a normative approach. The researcher uses qualitative analysis that takes place during and after data collection using observation, interview, and documented methods. Data analysis was used using qualitative descriptive methods. Based on the results of research conducted by researchers, that the practice of canceling onions buying and selling contracts in Putren Village according to a perspective of Islamic law is not permissible and permissible, it is not permitted because one party is harmed and it is said to be a fascist, lack of information when making contracts regarding material . This refers to sales where the object of sale or price or time of payment has not been known and determined specifically. It is permitted because buying and selling is in accordance with the pillars and the terms of the contract, namely there are sellers and buyers who aim to sell and buy, the items that are traded are shallots. In addition, the sale and purchase of shallots with this floating system can bring benefits to the local community.


2019 ◽  
Author(s):  
Ali Geno Berutu

This Research proves that the implementation of Aceh Qanun No. 12, 13 and 14 Year 2003 on Khama r, M a i s i r , and Khalwat in Subulussalam is not completely worked well, because in addition to legal issues qanuns, most have efforts political consolidation of the central government and local government. This thesis supports and strengthens the conclusion Michail Buehrel in this article entitled “The Rise of Sharia by Laws in Indonesia District an Indication For Changing Patterns of Power Accumulation and Political Corruption ” (2008) who found the formulization of Islamic Law in the region is political consolidation instrument for exploring the local government, especially financially in building. Buehler did not even find a conservative movement in the imposition of Islamic Law in the area. This research also support M.B Hooker’s opinion in his work entitled Indonesian Syariah : Defining a National School of Islamic Law, (2008) which states that in legislative process of Islamic law in aceh. There are many obstacles and barriers , because the Sharia Law to be applied must necessarily correspond with the system national law, while the central government to add more breadth of autonomy for Aceh in the part of Islamic Law to legislate in the part of law qanuns jina&gt;na&gt;t . This thesis does not agree with the conclusion of Harold Crouch in his work The Recent Resurgence of Political Islam in Indonesia, “ Islam In Southeast Asi a: Analysing Recent Development” , ed. Anthony L. Smith, (Singapore: ISEAS, 2002) as saying that the barrage history of failure of Islamic parties in order to implement Islamic Law-making opportunities for the application of Islamic Law in Indonesia did not exist. Crouch’s opinion just say that the application of Islamic Law to be in the sense of establishing an Islamic State. Data obtained from field research (field research) with qualitative methods and approach the socio - legal - historical . The primary data of the document and the results wawancara and field observations. Primary data in the form of documents are: Law No. 44 In 1999, Law No. 18 of 2001, Law No. 11 In 2006, Qanun 5 In 2000, Qanun No. 12, 13, 14, 2003, Qanun 7 In 2013, Qanun 6 In 2014 and Qanun 8 Year 2014. The primary data in the form of interviews and observations sourced from: Office of Islamic Law (DSI), the Wilayatul Hisbah (WH), the Court Syar'iyah (MS), the Police, the Mufti Consultative Assembly (MPU), the Aceh Tradition Council (MAA). Secondary data in the form of: 1) the books on Islamic law, sociology and anthropology of law, the historical development of Islam in Indonesia; 2) journals and other scholarly works that examine the rules of Islamic law, the application of Islamic law, social and Community; 3) as well as other sources such relevant, scientific papers, websites, newspapers, magazines and others.


2020 ◽  
Vol 4 (1) ◽  
pp. 97-120
Author(s):  
Afanda Leliana Sari ◽  
Abdul Wahab A. Khalil ◽  
Faridatul Fitriyah

Praktik sewa menyewa pohon mangga di kalangan masyarakat Dsn. Patuk Ds. Ngetos Kec. Ngetos Kab. Nganjuk yang tidak biasa perlu kajian dengan tinjauan hukum Islam apakah sudah sesuai dengan syariat, guna meminimalisir adanya kemadlaratan yang mungkin ditimbulkan. Penelitian ini akan mengkaji dan menganalisis tentang praktik sewa menyewa pohon mangga dikalangan masyarakat Dusun Patuk Desa Ngetos Kecamatan Ngetos Kabupaten Nganjuk serta statusnya tinjauan hukum Islam. Penelitian lapangan (field reseach) ini menggunakan pendekatan kualitatif. Sumber datanya adalah masyarakat Dusun Patuk, dikumpulkan dengan teknik wawancara dan observasi. Metode analisisnya adalah deskriptif, yaitu mendeskripsikan bagaimana praktik sewa menyewa pohon mangga yang terjadi di kalangan masyarakat Dsn. Patuk Ds. Ngetos Kec. Ngetos Kab. Nganjuk dengan tinjauan hukum Islam. Dari hasil penelitian dapat disimpulkan bahwa praktik sewa menyewa pohon mangga di kalangan masyarakat Dsn. Patuk Ds. Ngetos Kec. Ngetos Kab. Nganjuk termasuk dalam akad bathīl dikarenakan terdapat satu rukun yang tidak terpenuhi atau dilarang oleh syara’ yakni penggunaan pohon mangga sebagai objek sewa. Terkait dengan resiko, dalam praktik ini seluruh resiko menjadi tanggungjawab pihak penyewa. Hal ini tidak sesuai dengan ketentuan dalam Fatwa Dewan Syariah Nasional-Majelis Ulama’ Indonesia (DSN-MUI) No: 112/DSN- MUYIX/2017 Tentang Akad Ijārah. Sedangkan hukumnya adalah dihukumi ma’fu, dikarenakan ketidak pahaman masyarakat tersebut atas hukum dari praktik yang mereka lakukan. Kata kunci: Hukum Islam, Sewa Menyewa, Pohon Mangga.Abstract:The practice of renting happens in Patuk Ngetos village Ngetos Nganjuk Regency by using mango trees as the objects in unusual leases needs to be studied with a review of Islamic law whether it is in accordance with the Sharia in order to minimize the existence of delays that might result from this practice, as well as a review of Islamic law about the practice of renting mango trees among the people of in Patuk Ngetos village Ngetos Nganjuk Regency. This type of research is a field research (field research), with a qualitative approach. The data source of this research is the community of Patuk villaget. The data collected is primary data with data collection techniques through interviews and observations. Based on the results of the study, it can be concluded that this practice is included in the bathīl contract because there is one pillar that is not fulfilled or prohibited by syara 'which is the use of mango trees as rental objects. This is also in accordance with the view of the ulama 'madzhab which states that it is not permissible to rent trees for fruit. In addition, the use of this object has resulted in uncertain speculation of results so that it tends towards gharar. As for the law on the practice of renting that has been done by the people of Patuk village, they are punished by ma'fu, due to the community's lack of understanding of the law of their practice. Therefore, the practice of renting a mango tree should be transferred to other agreements (contracts) such as land rent along with what is embedded in it or also with a contract (contract) musaqah provided that the results are sold to the cultivators.


2021 ◽  
Vol 2 (3) ◽  
pp. 59
Author(s):  
Susanti Krismon ◽  
Syukri Iska

This article discusses the implementation of wages in agriculture in Nagari Bukit Kandung Subdistrict X Koto Atas, Solok Regency in a review of muamalah fiqh. The type of research is field research (field research). The data sources consist of primary data sources, namely from farmers and farm laborers who were carried out to 8 people and 4 farm workers, while the secondary data were obtained from documents in the form of the Bukit Kandung Nagari Profile that were related to this research, which could provide information or data. Addition to strengthen the primary data. Data collection techniques that the author uses are observation, interviews and documentation. The data processing that the author uses is qualitative. Based on the results of this study, the implementation of wages in agriculture carried out in Nagari Bukit Kandung District X Koto Diatas Solok Regency is farm laborers who ask for their wages to be given in advance before they carry out their work without an agreement to give their wages at the beginning. Because farm laborers ask for their wages to be given at the beginning, many farm workers work not as expected by farmers and there are also farm workers who are not on time to do the work that should be done. According to the muamalah fiqh review, the implementation of wages in agriculture in Nagari Bukit Kandung is not allowed because there is an element of gharar in the contract and there are parties who are disadvantaged in the contract, namely the owner of the fields.


ISLAMIKA ◽  
2020 ◽  
Vol 14 (1) ◽  
pp. 1-11
Author(s):  
Ade Jamarudin ◽  
Ofa Ch Pudin

Ijarah is a contract on the transfer of goods or services with rewards instead. Ijarah based transactions with the displacement benefit (rights to), not transfer of ownership (property rights), there ijara financing translates as buying and selling services (wages hired), that take advantage of human power, there is also a translate lease, which take advantage of goods. Application ijarah growing financial institutions in the current Shari'ah is happening on the leasing company (financial institution based on Islamic teachings, as well as Islamic banking is one of the products in Islamic finance. Application ijarah emerging financial institutions shari'ah 'ah at the moment that is happening on the leasing company (financial institution based on Islamic teachings, as well as Islamic banking is one of the Islamic financing products). This research is a library research (library research) and field research (field research), and is descriptive, analytic and comparative. Data sources used in this study are sourced from primary and secondary data. Ijarah transactions are based on the transfer of benefits (use rights), not the transfer of ownership (ownership rights), some translate ijarah financing as the sale and purchase of services (wage wages), i.e., taking the benefits of human labor


2021 ◽  
Vol 2 (3) ◽  
pp. 83
Author(s):  
Rahmi Ramadhani ◽  
Elsy Renie

This study examines the tradition of returning multiple dowries due to cancellation of proposal from the perspective of Islamic law in Belawan II Village, Medan City. From these problems, questions arise about how the proposal process is in Belawan II Village, how is the practice of returning multiple dowries due to the cancellation of the proposal and what is the view of Islamic law on the tradition of returning multiple dowries due to the cancellation of the proposal. The type of research that the author uses is a type of field research (field research), to obtain data from the problems studied using qualitative methods. The results of the research that the authors found that the tradition of returning a double dowry due to the cancellation of the proposal in the Belawan II Village, Medan City was carried out by returning the gift at the time of the proposal, namely the gift was in the form of half of the delivery money whose purpose was to be used as a dowry at the time of the marriage contract. Half of the delivery money, which is called the dowry, is returned twice (double) by the woman to the man at the time the proposal has been made. The dowry is returned twice (double) if the cancellation of the proposal is made by the woman. Another sanction is that if the dowry is not returned double (double) at the time of the cancellation of the proposal, neither the man nor the woman may request/accept a proposal from another person, of course this is done by way of deliberation from both parties. The review of Islamic law on the tradition of returning a double dowry due to the cancellation of this proposal is included in the 'urf group.


2019 ◽  
Vol 6 (1) ◽  
pp. 35-55
Author(s):  
Abdur Rakib

This research basically is to find the position of ‘urf as one of the theories that can provide legal changes in an authoritative-inclusive way to fiqh in the word khalwat in the definitive aspects of syar'iyyah in relation to culture of riding with fiancees in the Madura area. As an external consideration in cultural studies, ‘urf is one of the continuous theories with the discussion of adat to determine law in an authoritative-inclusive manner. In this study using a type of field research (field research) because it involves empirical data that views law as a set of behaviors, actions, and reality. In addition, also library research (library research) to obtain data about a norm while reviewing theories with a qualitative approach because it cannot be obtained by mathematical or numerical statistical procedures, so that it can contain about people's lives (culture), history, ethics, social movements , or family system. From the process of analyzing the meaning of khalwat using the theory of ma'na al-haml with the consideration of 'urf in which there are several elements of maslahat, this study concludes that' urf can change the position of Islamic law by combining consideration of several conditions through the process of changing meaning used in redefining the word khalwat. So as to enable culture to be engaged during the engagement period as happened in the Sumenep and Madura communities in general as a consideration of ‘valid urf. Keywords: Relationship in Engagement, ‘Urf, and Madura.


2021 ◽  
Vol 7 (2) ◽  
pp. 157
Author(s):  
Muhammad Ali . ◽  
Uswatun Hasanah ◽  
Beko Hendro

This article discusses the implementation of the reading of Surah al-Mulk at the Raudhotul Ilmi Palembang Ta'lim Assembly and the views of the Raudhotul Ilmi Palembang Ta'lim congregation on the reading of Surah al-Mulk as well as an analysis of Max Weber on the recitation of surah al-Mulk at the Raudhotul Ilmi Palembang Ta'lim Assembly. This type of research is a field research (Field Research), the type of data used is qualitative with the study of living hadith. This study uses Max Weber's theory of social action related to four actions, namely, traditional action, affective action, value rationality action and instrumental rationality action. The subjects of this research are caregivers, administrators, ustaz and Jama'ah Majelis Ta'lim Raudhotul Ilmi Palembang. The data collection technique used observation by observing and paying attention to the implementation of the tradition of reading surah al-Mulk at the Raudhotul Ilmi Palembang Ta'lim Assembly. While the interview data, the researchers interviewed twelve Jama'ah as respondents, while the documentation was equipped with books, photos and books related to the research. Meanwhile, data analysis uses descriptions and explanations. This study found that the Jama'ah of the Raudhotul Ilmi Palembang Ta'lim Assembly was enthusiastic about the tradition of reciting surah al-Mulk in the Assembly. The congregation of the assembly is of the view that having the reading of Surah al-Mulk before starting the assembly is a good and good thing as a form of imitating the Prophet Muhammad. The congregation of the assembly supported this activity because of the benefits of reading it as a barrier from the torment of the grave and there were some congregations who routinely read Surah al-Mulk. It can be said that the response of the congregation of the assembly tends to know the values ​​contained in the hadith of reading surah al-Mulk. This shows that the living hadith in the congregation of the assembly was carried out and the Raudhotul Ilmi Palembang Ta'lim Assembly fulfilled Max Weber's theory of social action.


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