BAGI HASIL PENGAMBILAN AIR NIRA DALAM TINJUAN FIQH MUAMALAH (Studi di Jorong Koto Dalimo Nagari Supayang)

2021 ◽  
Vol 2 (3) ◽  
pp. 69
Author(s):  
Riri Syafitri ◽  
Farida Arianti
Keyword(s):  
Field Research ◽  
Profit Sharing ◽  
Water Extraction ◽  
Principle Of Justice ◽  
Palm Sugar

This study examines the implementation of profit sharing in cooperation to extract sap water in Jorong Koto Dalimo Nagari Agarng which is close to the Musaqah (agricultural cooperation) contract in the form of managing sap water into palm sugar. The agreed terms of profit sharing are that within seven days of sap-water extraction, six days of sap-water extraction are for the manager and one day for the sap tree owner. the agreed profit sharing is in the form of palm sugar. The problem is that there is a disproportionate pattern of profit sharing between the owner of the sap tree and the manager of the sap water, the profit sharing is more dominant to the manager. This research uses field research. The data were obtained through interviews and observations, and then the data were narrated descriptively. The result achieved is that the implementation of cooperation in extracting sap water with a profit sharing agreement of 6:1 is punished proportionally and is allowed in Islam because it has fulfilled the principle of justice in sharing the results.

PENERAPAN ASAS KEADILAN PADA TRANSAKSI PENYIMPANAN DANA NASABAH DI BANK SYARIAH BERDASARKAN AKAD MUDHARABAH

2020 ◽  
Vol 5 (1) ◽  
pp. 1-12
Author(s):  
SITI NUR SHOIMAH
Keyword(s):  
Profit Sharing ◽  
Islamic Banking ◽  
Business Activity ◽  
Legal Research ◽  
Conceptual Approach ◽  
Islamic Bank ◽  
Principle Of Justice

ABSTRAK This research is motivated by the fact that it does not include clauses related to the risk of the Bank or the Customer in the mudharabah agreements in the customer deposit funds in Islamic Banking (Sharia Banking), if at any time the business of managing a Islamic Bank fund suffers, even though there are also Customer funds in the business, and it’s not balanced, because maybe only one party, the Customer or the Bank, bears the risk of loss. This imbalance then causes injustice, even though justice is a shariah requirement in the distribution of results from a business activity. Research that uses the normative legal research with the statute approach, and conceptual approach, results in the finding that the principle of justice in customer deposit funds in Islamic Banking based on mudharabah agreements is realized in the form of profit sharing system in the form of proportional and balanced benefits and risks.   Keyword: Principle of Justice, Mudharabah Agreements, Customer Deposit Fund, Islamic Banking   ABSTRAK Penelitian ini dilatarbelakangi oleh fakta yang menunjukkan tidak dicantumkannya klausul terkait resiko Bank ataupun Nasabah di dalam akad mudharabah pada transaksi penyimpanan dana Nasabah di Bank Syariah, apabila suatu ketika usaha dari pengelolaan dana Bank Syariah mengalami kerugian, padahal di dalam usaha tersebut juga terdapat dana Nasabah, dan ini tentu tidak seimbang, karena dimungkinkan hanya pihak Nasabah Penyimpan atau Bank Syariah yang menanggung resiko atas kerugian tersebut. Ketidakseimbang inilah yang kemudian menimbulkan adanya ketidakadilan, padahal keadilan merupakan persyaratan syari’ah dalam pembagian hasil dari suatu kegiatan usaha. Penelitian yang menggunakan metode normatif dengan pendekatan perundang-undangan dan pendekatan konseptual ini, menghasilkan temuan bahwa asas keadilan pada transaksi penyimpanan dana Nasabah di Bank Syariah berdasarkan akad mudharabah diwujudkan dalam bentuk sistem bagi hasil berupa keuntungan dan resiko secara proporsionalitas dan seimbang.        Kata Kunci:Asas Keadilan,  Akad Mudharabah, Penyimpanan Dana Nasabah, Bank Syariah  

scholarly journals Tinjauan Fikih Muamalah Terhadap Sistem Bagi Hasil Usaha Keramba Jaring Apung Desa Merangin Kecamatan Kuok Kabupaten Kampar

2020 ◽  
Vol 2 (1) ◽  
pp. 51-62
Author(s):  
Budiman Budiman ◽  
Daharmi Astuti
Keyword(s):  
Qualitative Analysis ◽  
Direct Observation ◽  
Local Community ◽  
Field Research ◽  
Legal Aspects ◽  
Profit Sharing ◽  
Analysis Approach ◽  
Net Cage ◽  
Net Cages ◽  
Cage Fish

Purpose: This study aims to determine the contract system used and the profit-sharing system of floating net cages in Merangin Village, Kuok District, Kampar Regency. Method: field research using a descriptive qualitative analysis approach. Data collected through interviews and direct observation. Finding: the results of the study revealed that in the practice of floating net cage fish cages between cage owners and employees namely Syirkah Mudharabah, in terms of the legal aspects of the Mudharabah Syirkah, the Rukun Syirkah Mudharabah, Terms, Principles, Contracts and Profit Sharing (profits and losses) that contained in the study of Muamalah Jurisprudence. Implication: socialization about business cooperation needs to be carried out in the perspective of the Shari'ah by relevant parties, to increase the understanding of the local community about the concept of business cooperation following Islamic Shari'ah

PERSEPSI NASABAH ISLAM TERHADAP TABUNGAN KURBAN PADA BPRS NIAGA MADANI CABANG MAKASSAR

2021 ◽  
Vol 3 (1) ◽  
pp. 10
Author(s):  
Andi Muhammad Rafli ◽  
Muh. Saleh Ridwan ◽  
Asni Asni
Keyword(s):  
Field Research ◽  
Profit Sharing ◽  
Research Approach ◽  
Administrative Costs ◽  
Sociological Approach ◽  
New Ideas ◽  
Three Stages ◽  
One Year ◽  
Number Of Customers ◽  
Collection Methods

 AbstrakPokok permasalahan yang dibahas dalam skripsi ini adalah mengenai persepsi nasabah Islam terhadap tabungan kurban pada BPRS Niaga Madani Cabang Makassar. Penelitian ini merupakan penelitian kualitatif atau penelitian lapangan dengan jenis pendekatan penelitian yang digunakan adalah pendekatan empiris serta  sosiologis. Adapun sumber data dari penelitian ini mengenai biaya administrasi tabungan, jumlah nasabah, serta segala sesuatu yang berkaitan dengan tabungan kurban pada BPRS Niaga Madani. Kemudian metode pengumpulan data yang digunakan adalah observasi, wawancara, serta dokumentasi. Lalu teknikpengolahan data dan analisis data dilakukan dengan melalui tiga tahapan: Reduksi data, penyajian data, dan verifikasi data Hasil penelitian ini menunjukkan bahwa adanya salah satu produk tabungan kurban pada BPRS Niaga Madani Cabang Makassar yang tujuannya membantu meringankan masyarakat bagi yang ingin melaksanakan ibadah kurban setiap tahunnya. Tabungan kurban ini menerapkan sistem mudharobah, yaitu sistem bagi hasil, tabungan ini juga tidak mempunyai biaya administrasi sama sekali, bahkan nasabah pada tabungan ini memperoleh keuntungan dari sistem bagi hasil tersebut. Tabungan ini hanya bisa ditarik kembali dalam jangka waktu satu tahun yaitu satu minggu sebelum hari raya Idul Adha, atau hanya dapat ditarik kembali jika dalam keadaan mendesak (darurat). Selain itu, jumlah setoran yang dikeluarkan hanya Rp. 150.000,- perbulan. Implikasi dari penelitian ini sebaiknya pihak bank menambah atau meningkatkan kinerja pegawainya sehingga mampu menciptakan ide atau gagasan baru yang memungkinkan produk tabungan kurban ini lebih mudah dikenal oleh masyarakat luas merupakan hal yang penting, karena pada umumnya hanya bank tertentu saja yang memiliki produk tabungan tersebut.Kata Kunci: BPRS Niaga Madani, Nasabah, Persepsi, Tabungan Kurban.AbstractThe main problem discussed in this thesis is about the perception of Islamic customers towards sacrificial savings at BPRS Niaga Madani Makassar Branch. This research is a qualitative research or field research with the type of research approach used is an empirical and sociological approach. The sources of data from this study are the administrative costs of savings, the number of customers, and everything related to sacrificial savings at BPRS Niaga Madani. Then the data collection methods used were observation, interviews, and documentation. Then the data processing and data analysis techniques are carried out through three stages: data reduction, data presentation, and data verification. The results of this study indicate that the existence of a sacrificial savings product at BPRS Niaga Madani Makassar Branch whose purpose is to help ease the community for those who want to carry out qurban worship every year. This sacrificial saving applies a mudharabah system, namely a profit-sharing system, this savings also has no administrative costs at all, even customers in this savings benefit from the profit-sharing system. This savings can only be withdrawn within one year, namely one week before Eid al-Adha, or can only be withdrawn if it is in an emergency (emergency). In addition, the total deposit issued is only Rp. 150.000,- per month. The implication of this research is that the bank should add or improve the performance of its employees so that they are able to create new ideas or ideas that allow this sacrificial savings product to be more easily recognized by the wider community, which is important, because in general only certain banks have these savings products.Keywords: Customers, Madani Comercial BPRS, Perception, Sacrificial savings.

Tinjauan Pelaksanaan Perjanjian Bagi Hasil Tanah Pertanian Dihubungkan dengan Undang-Undang Nomor 2 Tahun 1960 tentang Perjanjian Bagi Hasil

2021 ◽  
Vol 7 (1) ◽  
pp. 45
Author(s):  
Wilda Nurfitriani
Keyword(s):  
Agricultural Land ◽  
Legal Protection ◽  
Field Research ◽  
Secondary Data ◽  
Profit Sharing ◽  
Primary Data ◽  
Land Sharing ◽  
Descriptive Research ◽  
Production Sharing ◽  
Library Research

In the Warnasari Village Sukabumi Sub-district Sukabumi District there are still many farmers who carry out agricultural land production sharing agreements (maparo bati) to fulfill their daily needs. Production sharing agreements between landowners and tenants are made orally. The problem that often occurs in production sharing agreements in Warnasari Village is that the cultivators do not report the actual results of the claim to the land owner. The research method used in writing this thesis is a normative juridical approach with analytical descriptive research specifications. The study was conducted with library research supported by field research. Secondary data collection techniques with library research and supported by primary data in the form of interviews which are then analyzed by qualitative juridical methods. Based on the results of the discussion, it can be concluded that the implementation of agricultural land-sharing agreements in the Warnasari Village, Sukabumi Sub-district, Sukabumi District has not yet fully applied the provisions of the Production Sharing Law. In the elucidation of Article 7 of the Production Sharing Law it is determined that the profit sharing balance is 1: 1 but the community uses a 60% balance for tenants and 40% for landowners. Legal protection of landowners in Warnasari Village as a result of verbally sharing agreements on agricultural land is carried out by applying the principles of good faith, reprimanding, and deliberation.Keywords: Profit Sharing Agreement, Agricultural Land, Law Number 2 of 1960.

Problematika Implementasi Perjanjian Dalam Kerjasama dan Bagi Hasil Di Bengkel Las Semoyo Jaya: Sebuah Tinjauan Hukum Islam

2021 ◽  
Vol 1 (1) ◽  
pp. 74-96
Author(s):  
Lukman Santoso ◽  
Devi Indah Lestari
Keyword(s):  
Data Collection ◽  
Research Methods ◽  
Islamic Law ◽  
Human Life ◽  
Field Research ◽  
Profit Sharing ◽  
Qualitative Approach ◽  
The Other ◽  
Cooperation Agreement ◽  
Common Goals

A cooperation is an agreement between two or more people to do business and achieve common goals. Cooperation can be necessary for human life, considering that humans are social creatures who need each other. People in various circles have practiced cooperation in various fields. In various cooperation practices, there are often deviations from the agreement when initially making cooperation. This article explores the problems of implementing the cooperation agreement at the Semoyo Jaya welding workshop in a review of Islamic law. By using a qualitative approach and field research methods. Meanwhile, for data collection, using observation and interview techniques. This research concluded that the implementation of the cooperation agreement at the Semoyo Jaya welding workshop was not following the principles and elements of the agreement, namely, not fulfilling any of the rights and obligations contained in the contract. Meanwhile, the profit-sharing does not meet one of the syirkah inan requirements because one party is arbitrary in providing profits to the other party. This research can contribute practically to the parties that carry out cooperation to fulfill the agreement's terms based on Islamic legal values.Kerjasama adalah kesepakatan antara dua orang atau lebih untuk melakukan bisnis dan mencapai tujuan bersama. Kerjasama dapat diperlukan bagi kehidupan manusia, mengingat manusia adalah makhluk sosial yang saling membutuhkan. Orang-orang di berbagai kalangan telah mempraktikkan kerjasama di berbagai bidang. Dalam berbagai praktik kerjasama, seringkali terjadi penyimpangan dari kesepakatan pada saat awal melakukan kerjasama. Artikel ini mengupas permasalahan pelaksanaan perjanjian kerjasama pada bengkel las Semoyo Jaya dalam tinjauan hukum Islam. Dengan menggunakan pendekatan kualitatif dan metode penelitian lapangan. Sedangkan untuk pengumpulan data menggunakan teknik observasi dan wawancara. Penelitian ini menyimpulkan bahwa pelaksanaan perjanjian kerjasama di bengkel las Semoyo Jaya tidak sesuai dengan prinsip dan unsur perjanjian yaitu tidak memenuhi salah satu hak dan kewajiban yang tertuang dalam kontrak. Sedangkan bagi hasil tidak memenuhi salah satu syarat syirkah inan karena salah satu pihak sewenang-wenang dalam memberikan keuntungan kepada pihak lainnya. Penelitian ini dapat memberikan kontribusi praktis bagi para pihak yang melakukan kerjasama untuk memenuhi syarat-syarat perjanjian berdasarkan nilai-nilai hukum Islam.

scholarly journals ANALISIS NILAI TAMBAH PENGOLAHAN GULA KELAPA DI KABUPATEN OKU TIMUR

2017 ◽  
Vol 2 (03) ◽  
pp. 32-43
Author(s):  
Ary Eko Prastya Putra
Keyword(s):  
Production Cost ◽  
Field Research ◽  
Added Value ◽  
Purposive Sampling ◽  
Palm Sugar

The purposes of this research were to : (1) To calculate the amount of production cost that is expended and income earned in coconut sugar processing business in East OKU Regency, (2) To know the value of coconut sugar processing in East OKU Regency, (3) To know the level of coconut sugar business feasibility in East OKU Regency. This research was conducted in OKU Timur Regency, but there were only two sub-districts from 20 sub-districts doing coconut sugar processing business. Namely Belitang District III and Belitang Mulya District. For Belitang III District, there is one village that conducts coconut sugar processing business, that is Desa Switchwarno, and for Belitang Mulya Sub-district there are 5 villages doing coconut sugar processing business, namely Sugih Waras Village, Petanggan Village, Rejosari Village, and Srimulyo Village. Determining the location is done purposively (purposive sampling) with the consideration that in 5 villages are doing palm sugar processing business. While field research will be conducted in April 2013 until the completion. This research found that the production cost of coconut sugar processing business in East OKU Regency in one month of production is Rp 2,707,071.43 or Rp 32,484,857.16 / year, and the income earned in one business year is Rp 20,015,142,84 / year. The added value of coconut sugar processing business in OKU Timur Regency in one month of business is Rp 3,325,428.57 and Coconut sugar processing business in East OKU district is feasible to be developed with NPV value for 4 years ahead Rp 27,823,216.06, IRR 22.04% and Net B / C 1.61.

scholarly journals Eradicating Poverty through Zakat Utilization (A Case from Kelompok Bina Zakat Program)

2021 ◽  
Vol 1 ◽  
pp. 162-178
Author(s):  
Mail Hilian Batin ◽  
Dini Rahmayanti
Keyword(s):  
Data Collection ◽  
Poverty Alleviation ◽  
Field Research ◽  
Profit Sharing ◽  
The Poor ◽  
Key Factor ◽  
Qualitative Descriptive ◽  
Descriptive Approach ◽  
Wide Gap ◽  
The Rich

Economic inequality is something that is still visible in a developing country. The wide gap between the rich and the poor is a key factor in causing poverty. The National Amil Zakat Agency (BAZNAS) is one of the institutions that aim to collect and distribute zakat funds. In its distribution, BAZNAS formed Kelompok Bina Zakat (KBZ) spread across various regions. The establishment of the KBZ is expected to be a solution to the problem of poverty in Indonesia. This study aims: what is the background of banuayu village and KBZ Program? Can the formation of KBZ be a solution to poverty alleviation? And how the BAZNAS stimulant fund mechanism can develop? This research is a field research with a qualitative descriptive approach. The data collection techniques used are observation, interviews, and documentation. The results show that there is a significant influence on the formation of the KBZ in poverty alleviation with the assistance of venture capital from the BAZNAS stimulant fund, so that the economy of the community in Banuayu OKUT Village, South Sumatra can live. Then the mechanism is to charge a loan principal return of Rp. 100,000 as a profit sharing from borrowed funds of Rp. 1,000,000.

scholarly journals The Implementation of Musyarakah by PT Bank Aceh Branch of Banda Aceh, Indonesia

2019 ◽  
Vol 3 (1) ◽  
pp. 99
Author(s):  
Juli Andria ◽  
Darmawan Darmawan ◽  
Azhari Azhari
Keyword(s):  
Field Research ◽  
Profit Sharing ◽  
Research Data ◽  
Legal Analysis ◽  
Breach Of Contract ◽  
The Future ◽  
The Law ◽  
Legal Consequences ◽  
Banda Aceh

According to Article 19 Paragraph (1) of the Law Number 21 of 2008 concerning Sharia Banking, one of the activities of Sharia Banking is to provide financial funding based on musyarakah (profit sharing). The implementation of musyarakah by PT Bank Aceh Syariah in Banda Aceh has been covered up to 85 customers from the period of 2015 to 2017. In musyarakah contract the customers have to fulfil their obligations to pay the payments to the bank. However, the fact shows that the customers could not fulfil their obligations to pay their payments to the bank because they have income problems in running their businesses. From 2015 to 2017 there were seven customers were not well performed musyarakah. This condition has resulted in breach of contract by the customers which is known as non-performing musyarakah funding. This study aims to scrutinize legal consequences arising from non-performing musyarakah funding and identify the efforts taken in the settlement of this problem. This study is an empirical juridical research. Data required for this study were collected through field research by interviewing respondents or informants. The result shows that the legal consequences arising from this non-performing musyarakah funding were pledges or defaults by the customers because they violate the Article 12 of Musyarakah contract. The efforts taken in settling this problem among others are collecting the arrear obligations and handling non-performing musyarakah to the bank’s officer to be analysed based on legal analysis. Therefore, it is advised that the customers should fully fulfil their obligation to pay their payments to the bank based on musyarakah contract. Then, the bank officers are suggested to fully analyse the arrear obligations of the customers based on legal analysis. By doing so it could reduce non-performing musyarakah funding in the future

scholarly journals PEMAHAMAN NASABAH BANK MUAMALAT INDONESIA BANDA ACEH TERHADAP AKAD MUDHARABAH

2012 ◽  
Vol 1 (2) ◽  
Author(s):  
Iskandar Iskandar ◽  
Ilhaamie Abdul Ghani Azmi ◽  
Azian Madun
Keyword(s):  
Data Analysis ◽  
Great Risk ◽  
Positive Relationship ◽  
Field Research ◽  
Profit Sharing ◽  
Quantitative Approach ◽  
Islamic Banking ◽  
Spss Software ◽  
Gathering Data ◽  
Banda Aceh

Knowledge and understanding of mudharabah products in Islamic banking is necessity for the customers. Mudharabah is one of banking products pose a great risk, because this involves both the investors and the costumers. For the case of Bank Muamalat Indonesia, customer’s lack of understanding on the mudharabah contract may elevate disputes related to the financing offered by the bank as investor and consequently to the consensus of profit sharing ratio. This study aims to discuss and identify the link between the understanding and the conflicts that occur in Bank Muamalat Indonesia Banda Aceh branch. This is a field research that utilized a quantitative approach in gathering data. The results obtained are analyzed using the SPSS software. The finding shows that there is a link between the understanding and the conflicts that occur in Bank Muamalat Indonesia Banda Aceh. The higher level of customer’s understanding towards the product, the smaller risk of conflict may occur. Thus, the data analysis concludes that there is a small positive relationship between customers' understanding of the mudharabah contract and the disputes possibility. =========================================== Pengetahuan dan pemahaman nasabah terhadap produk mudharabah dalam perbankan syariah sangat diperlukan oleh semua nasabah. Mudharabah adalah salah satu produk perbankan yang menimbulkan resiko yang besar, ini karena akad ini melibat dua pihak, yaitu investor dan nasabah. Pada kasus Bank Muamalat Indonesia, kurangnya pemahaman nasabah terhadap produk Mudharabah akan mendatangkan kemungkinan timbulnya sengketa berkaitan pembiayaan yang dikeluarkan oleh bank sebagai shahibul maal dan kesepakatan nisbah pembagian keuntungan. Kajian ini bertujuan untuk membahas dan mengenal pasti kaitan antara kepahaman dengan konflik yang terjadi di Bank Muamalat Indonesia cabang Banda Aceh. Kajian ini merupakan kajian lapangan dengan menggunakan pendekatan kuantitatif dalam mendapatkan data. Temuan data lapangan dianalisis dengan menggunakan SPSS. Kajian ini mendapati bahwa ada kaitan di antara kepahaman dengan konflik yang terjadi di Bank Muamalat Indonesia Banda Aceh. Semakin tinggi tingkat pemahaman nasabah maka semakin kecil risiko terjadi konflik. Analisis data tersebut menunjukkan hubungan positif kecil antara pemahaman nasabah terhadap akad mudharabah dengan risiko konflik.

scholarly journals Implementasi Konsep Bagi Hasil Produk Pembiayaan Ditinjau Dari Fatwa DSN-MUI Nomor 14 DAN 15 Tahun 2000 (Study Kasus Bank Syariah Mandiri KCP Curup)

2021 ◽  
Vol 1 (1) ◽  
pp. 65
Author(s):  
Ranaswijaya Ranaswijaya
Keyword(s):  
Field Data ◽  
Field Research ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Qualitative Descriptive ◽  
Data Source ◽  
Descriptive Approach ◽  
Financial Administration ◽  
Cash Basis

The purpose of this study is to find out how to apply the concept of profit sharing to financing products at Bank Syari'ah Mandiri KCP Curup which includes financial administration records which will be analyzed with DSN fatwa no. 14/DSN-MUI/IX/2000 and the profit-sharing method analyzed by DSN fatwa no. 15/DSN-MUI/IX/2000. This research is a field research with a qualitative descriptive approach. The main data source of this research comes from field data by collecting data from informants. The results showed that the profit sharing at Bank Syari'ah Mandiri KCP Curup was applied to Chanelling financing and Revolving Fund Financing. In terms of recording financial administration, when the transaction is related to bank disbursements the method used is accrual basis while when the transaction is related to bank receipts the method used is cash basis. This is in accordance with DSN fatwa no. 14/DSN-MUI/IX/2000. Chanelling financing method used is revenue sharing and Revolving Fund Financing cannot be classified into profit sharing or revenue sharing, the determination of the amount of bank profit is based on the use of capital by customers each month as seen from customer account mutations so that it is not relevant to DSN fatwa no. 15/DSN-MUI/IX/2000.

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