scholarly journals IMPLEMENTASI AKAD MURABAHAH PADA PRODUK PEMBIAYAAN MURABAHAH DI KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH BAITUL MAAL WAT TAMWIL FAJAR CABANG BEKASI

2021 ◽  
Vol 6 (01) ◽  
pp. 20-29
Author(s):  
Sakum Sakum

In the preparation of this thesis, researchers used qualitative research, the type of research used was library research and field research. Sources of data obtained through primary and secondary data sources, for data collection using two methods, namely: interviews and documentation, for data analysis techniques using 3 methods, namely data reduction, data presentation, and drawing conclusions. This study aims to determine the implementation or practice of the murabahah contract in murabahah financing products at Baitul Maal wat Tamwil Fajar Bekasi branch whether it is in accordance with Islamic law and Fatwa DSN MUI No. 04 / DSN-MUI / IV / 2000 About Murabaha. The result of this research is that in the practice of the murabahah contract at KSPPS BMT Fajar has implemented it according to the SOP and in accordance with Islamic law and fatwa DSN MUI No. 04 / DSN-MUI / IV / 2000 About Murabaha. Based on the results of the study, it can be concluded that the implementation of the murabahah contract on murabahah financing products at KSPPS BMT Fajar Bekasi branch is in accordance with Islamic law and Fatwa DSN MUI No. 04 / DSN-MUI / IV / 2000 About Murabaha. This is based on the results of the analysis of interviews with members who apply for murabahah financing.

2021 ◽  
Vol 15 (1) ◽  
pp. 69
Author(s):  
Siti Sopiah

Learning the art of calligraphy based on chemical experiments is an activity of learning the art of calligraphy in developing the potential of students to foster creativity, instill value, and develop productive abilities by using harmless materials, namely using colored plants. The purpose of this research was to determine the process and to obtain calligraphy work in learning the art of calligraphy based on chemical experiments. The type of method used in this research is field qualitative research. The data sources in this study were divided into two: first, primary data sources consisting of the principal, educators, and students of SDN 8 Kawunglarang Rancah; second, secondary data sources obtained through tracing of various references. Furthermore, the data collection instruments used were observation, interviews, and documentation, as well as the data analysis techniques used, namely through three stages including data reduction, data presentation, and drawing conclusions. The results of this study indicate that the process of learning the art of calligraphy based on chemical experiments includes the planning, implementation, and evaluation stages. The work of SDN 8 Kawunglarang students is still in the basic stages so there are several mistakes in its making.


2020 ◽  
Vol 8 (02) ◽  
pp. 216
Author(s):  
Abdur Rahman Adi Saputera ◽  
Mohamad Ramdan Suyitno ◽  
Muhammad Syakir Alkautsar

This study aims to analyze how the consequences of the weaknesses of the contract concept as stated in the KHES, and how the solutions to the weaknesses of the contract concept are. This research is a qualitative research library research (literature review) with a descriptive-analytical approach which is strengthened by primary and secondary data sources, while the data analysis techniques used are inductive, deductive, and comparative. The results showed that the consequences of the weaknesses of the contract concept in KHES were; Different interpretations, Sharia economic disputes are not resolved, the parties are harmed and do not provide massive information. While the solution to the weakness of the concept of the contract in article 25 paragraph (2) is that the solution to the clarity of the meaning of sighat al aqd is to provide a comparison with the sighat al-aqd that is in muamalah fiqih as KHES absorption adheres to these rules. More precisely, the contract must be carried out clearly, in oral, written and/or art form, and for the harmony of the mudharabah agreement Article 232 it is customary to add the object of the contract, and the main purpose of the contract as one of the pillars in the contract, as well as adding the provisions of the qardul hasan contract to book II. in chapter XXVII, also provides limitations in article 607, while article 347 must provide clarity in detail.


2021 ◽  
Vol 14 (2) ◽  
pp. 92-99
Author(s):  
Nurcahaya Nurcahaya

This study aims to describe the book of Sahih Bukhari and the background of the codification phase of Hadith. This research uses qualitative research methods based on library research (Library Research). Sources of data in this study consisted of primary data sources and secondary data sources. The primary data source in this study is the Sahih Bukhari book written by Imam al-Bukhari, while the secondary data sources are books and journal articles related to the codification phase of hadith. Data analysis used content analysis techniques, namely by deepening the meaning in the literature quotations used. The results showed that the Sahih Bukhari book was the first book compiled containing the Hadiths of the Prophet Muhammad. This book was written in a period of approximately 16 years through a very strict screening process from 600,000 Hadith which resulted in 7,397 Hadiths contained in the book. With regard to the book, the birth of the Hadith codification movement during the era of Imam Bukhari was the dynamics of Islamic law, particularly the influence of Imam Syafi'i. In the period before Imam Syafi'i formulated a system of law making as contained in the ar-Risalah.


2020 ◽  
Vol 1 (1) ◽  
pp. 25-36
Author(s):  
Zulkifli Zulkifli ◽  
Muh. Syarif Hasyim ◽  
Hamiyuddin Hamiyuddin

The discussion in this research is terrorism from the perspective of Islamic criminal law (fiqih jinayah). The problem that becomes the focus of research is how terrorism is in the review of Islamic criminal law or jinnayah fiqh. Qualitative research, the source of which is library research, is the method used in research. There are two kinds of data sources in this research, namely primary and secondary data sources, while the data collection and analysis uses literature review research. The data were analyzed using the Islamic criminal law theory approach. So as a result of this research that acts of terrorism are not justified in Islamic teachings. The birth of this action is because the perpetrators have shallow thoughts or have very minimal thoughts and have political goals to harm themselves and others. They even consider this act as Jihad, even though in fact it is not a jihad but an act that brings fear to potential victims.


2021 ◽  
Vol 2 (2) ◽  
pp. 1-12
Author(s):  
Pandiga Aji Norseta

This study aims to see the phenomena of the tradition of pilgrimage to the grave of K.H.R Bagus Khasantuka in Dusun Senuko Sidoagung Godean Sleman. The method used in this research is qualitative research methods. This study has two types of data and data sources, namely primary data and secondary data. Data interview techniques in this study were carried out by direct field observation, interviews, and documentation. The data analysis techniques used were data, data reduction, data presentation, and data collection. The data validity checking technique used was the source triangulation technique and the technique triangulation. The results of this study indicate the phenomenon of the pilgrimage tradition at K.H.Rr's grave intending to pray for and interpret the values of life, pilgrims who visit the grave of waliyullah K.H.R Bagus Khasantuka can trace the struggle of previous scholars in Islam. The existence of Sendang Bagusan as an example of K.H.R Bagus Khasantuka is still used by the Javanese mystical adherents for the kungkum ritual to achieve certain goals. The development of the Tomb of K.H.R Bagus Khasantuka also had a positive impact on the construction of hamlet roads, gates, and youth organization activities in Senuko Village.


Author(s):  
Ika Trisnawati Alawiyah

Abstract This research was conducted to answer the question of how to practice sharia investment sharia perspective and sociology in Punggur, Central Lampung District. This study aims to determine the practice of a loan shark sharia economic perspective and sociology in Punggur, Central Lampung District. This type of research is field research conducted in Punggur District, Central Lampung Regency. This study uses a descriptive qualitative approach that is a way to expose accurate information obtained from the community in the District of Punggur, Central Lampung relating to the practice of a loan shark. Data sources used are primary and secondary data sources. The data collection method uses the method of observation, interviews and documentation with technical analysis of deductive thinking. The results of research on a loan shark practices in the community of Punggur Subdistrict, the perspective of Islamic economics is very contrary to regulation in Islamic law, because those who practice muamalah are ribawi. While, according to the sociological perspective of the loan sharks, this is a solution for some people to meet their daily needs. The facilities provided such as loan amount, faster and more efficient time, how to pay, without collateral, and other agreements are considered by the community when making loans. Keywords: Loan Sharks, Islamic Economics, Sociology   Abstrak Penelitian ini dilakukan untuk menjawab pertanyaan bagaimana praktik rentenirisasi perspektif ekonomi syariah dan sosiologi di Kecamatan Punggur Lampung Tengah. Penelitian ini bertujuan untuk mengetahui praktik rentenirisasi perspektif ekonomi syariah dan sosiologi di Kecamatan Punggur Lampung Tengah. Jenis penelitian ini adalah penelitian lapangan (field research) yang dilakukan di Kecamatan Punggur Kabupaten Lampung Tengah. Penelitian ini menggunkan pendekatan kualitatif yang bersifat deskriptif yaitu cara memaparkan informasi-informasi yang akurat yang diperoleh dari masyarakat di Kecamatan Punggur Lampung Tengah yang berkaitan dengan praktik rentenirisasi. Sumber datayang digunakan adalah sumber data primer dan sekunder. Metode pengumpulan data menggunakan metode observasi, wawancara dan dokumentasi dengan teknis analisa berpikir deduktif. Hasil penelitian terhadap praktek rentenir di masyarakat Kecamatan Punggur perspektif ekonomi islam yaitu sangat bertentangan dengan hukum dan syariat islam karena mereka yang melakukan praktek muamalah secara ribawi. Sedangkan menurut perspektif sosiologi para rentenir ini menjadi solusi bagi para sebagian masyarakat untuk memenuhi kebutuhan hidupnya. Kemudahan–kemudahan yang diberikan seperti besar pinjaman, waktu yang lebih cepat dan efisien, cara membayar, tanpa jaminan, dan kesepakatan–kesepakatan lain menjadi pertimbangan masyarakat ketika melakukan pinjaman. Kata Kunci: Rentenir, Ekonomi Syariah, dan Sosiologi


Author(s):  
Hawa Rumatiga ◽  
Panji Adam Agus Putra

Abstarct. As technology develops, there are various business opportunities that require online-based services, two of which are Gojek and Grab. Both of these applications are known to only be used to provide passenger shuttle services, food, and etc. But lately many drivers are using their idle accounts for resale, even though the account is not entirely theirs and there is an agreement that has been agreed by the online motorcycle taxi partners / drivers with Gojek and Grab companies. This causes the occurrence of uncertainty and can pose a risk to the buyer, or can be said to contain Gharar so that it causes non-fulfillment of conditions in the sale and purchase transaction.The purpose of this study was to determine the form of gharar according to Islamic law, the practice of buying and selling online ojek accounts, and a review of Islamic law on the buying and selling practices of Gojek and Grab online ojek accounts.This research is a qualitative research. Data obtained from field data sources and library research sources were analyzed and compiled by descriptive analysis.The results showed that, the requirements in buying and selling transactions are things that must be fulfilled in Islamic law, the sale and purchase of an online motorcycle taxi account should not be done because it will pose a risk to the seller and the buyer. Keywords: Islamic Law, Buying and Selling, Ojek Accounts Online. Abstrak. Seiring berkembangnya teknologi munculah berbagai peluang bisnis yang memerlukan layanan berbasis online, dua diantaranya yaitu Gojek dan Grab. Kedua aplikasi ini diketahui hanya digunakan untuk memberikan layanan jasa antar jemput penumpang, makanan, dan sejenisnya. Namun belakangan ini banyak driver yang memanfaatkan akun mereka yang menganggur untuk dijual kembali, padahal akun tersebut bukan sepenuhnya milik mereka dan adanya perjanjian yang telah disepakati oleh mitra/driver ojol ini dengan perusahaan Gojek maupun Grab. Hal ini menyebabkan terjadinya ketidak jelasan dan dapat memberikan resiko kepada pembeli, atau dapat dikatakan mengandung Gharar sehingga menyebabkan tidak terpenuhinya syarat dalam transaksi jual beli. Tujuan penelitian ini adalah untuk mengetahui bentuk gharar menurut hukum Islam, praktek jual beli akun ojek online, dan tinjauan hukum Islam terhadap praktek jual beli akun ojek online Gojek dan Grab. Penelitian ini merupakan penelitian kualitatif. Data yang diperoleh dari sumber data lapangan (field research) dan sumber data kepustakaan (Library research) dianalisis dan disusun secara deskriptif analisis. Hasil penelitian menunjukan bahwa,       syarat dalam transaksi jual beli  merupakan hal yang wajib dipenuhi dalam hukum Islam, jual beli akun ojek online sebaiknya tidak dilakukan karena akan menimbulkan risiko kepada pejual maupun pembeli. Kata Kunci: Hukum Islam, Jual Beli, Akun Ojek Online.


2019 ◽  
Vol 1 (2) ◽  
pp. 232-256
Author(s):  
Sabaruddin Sabaruddin

This study aims to describe the understanding of the Kuala Baru Subdistrict community about providing livelihood for raj'i iddah talak describing the divorce practices in Kuala Baru and their implications for iddah livelihood, and describing how the Kuala Baru community views the wife's livelihood during the iddah period, and explains how the legal provisions Islam towards the practice of the Kuala Baru people towards the living of the iddah in raj'i talak. This research is included in qualitative research by pointing to field research. That is research which focuses more on the results of data collection to informants who have been determined, the data sources used are primary and secondary data using qualitative data analysis. The results of the study show that divorce practices have taken place in Kuala Baru Subdistrict only through the village government, and rarely come to court. Then, the understanding of the Kuala Baru people about the giving of iddah is still very minimal, so they think that if they are divorced there are no rights and obligations of husband and wife. Therefore, based on the provisions of Islamic law the custom that occurs in the Kuala Baru community about the absence of a living iddah for a wife who is denied by raj'i is very contrary to Islamic law, even al-'urf also rejects the habits of the Kuala Baru community, and also the benefit is very detrimental to women, because their rights are not fulfilled.


Author(s):  
Mundhori Mundhori ◽  
Muhammad Nashrulloh

BMT NU Ngasem Bojonegoro has several financing products including mudaraba, musharaka and murabahah. In this study, what is interesting for the writer to study is mudaraba financing and murabahah financing. This is because mudharabah and murabahah contracts are contracts that are easy to apply in channeling funds. BMT is quite selective in analyzing financing before BMT realizes financing, to minimize losses caused by bad loans due to lack of financing realialization standards. This study uses a qualitative descriptive approach, and uses primary and secondary data sources. This data collection method uses interviews, observation and documentation. Data analysis techniques used are data reduction analysis techniques, data presentation and verification or conclusion drawing. To check the validity of the findings the author uses triangulation techniques. The results showed that the implementation of mudharabah financing in BMT NU Ngasem Bojonegoro the procedure was not in accordance with the Shari'ah principle because the profit sharing ratio was determined by the BMT itself, which is 2%, but the practice still uses the 5C general principles (Character, Capacity, Capital, Condition of Economy and Colleteral). Murabahah financing at BMT Ngasem Bojonegoro NU is in accordance with the applicable rules in accordance with the 5C general principles, this is evident that murabahah financing is carried out through a sale and purchase agreement with several conditions and agreements that apply between the customer and the BMT.   BMT NU Ngasem Bojonegoro memiliki beberapa produk pembiayaan antara lain mudharabah, musyarakah dan murabahah. Dalam penelitian ini yang menarik bagi penulis untuk untuk diteliti adalah pembiayaan mudharabah dan pembiayaan murabahah. Hal ini dikarenakan akad mudharabah dan murabahah merupakan akad yang mudah untuk diaplikasikan dalam penyaluran dana. BMT cukup selektif dalam menganalisis pembiayaan sebelum BMT merealisasikan pembiayaan, untuk meminimalisir kerugian yang disebabkan oleh kredit macet karena kurangnya standar realialisasi pembiayaan. Penelitian ini dilakukan dengan metode pendekatan deskriptif kualitatif, serta menggunakan sumber data primer dan sekunder. Metode pengumpulan data ini dengan cara wawancara, observasi dan dokumentasi, teknik analisis datanya menggunakan menggunakan teknik reduksi data, penyajian data dan verifikasi atau penarikan kesimpulan. Untuk pengecekan keabsahan temuan penulis menggunakan teknik triangulasi. Hasil penelitian menunjukkan bahwa implementasi pembiayaan mudharabah di BMT NU Ngasem Bojonegoro prosedurnya belum sesuai dengan prinsip syari’ah karena nisbah bagi hasilnya ditentukan oleh pihak BMT sendiri, yakni 2%, tetapi prakteknya masih menggunakan prinsip umum 5C (Character, Capacity, Capital, Condition of Economy dan Colleteral). Pembiayaan murabahah di BMT NU Ngasem Bojonegoro sudah sesuai dengan kaidah-kaidah yang berlaku sesuai dengan prinsip umum 5C, dan dibuktikan bahwa pembiayaan murabahah dilakukan dengan akad jual beli dengan beberapa ketentuan dan kesepakatan yang berlaku antara nasabah dan pihak BMT.


Author(s):  
Yanto Yanto

In order to achieve a common goal in a society, sometimes the exchange of messages can be biased, therefore it is important how the communication patterns in giving a support to the elopement, so that problems do not arise in the future. Therefore, the writer wants to see and know the communication patterns that take place in the granting of sanctions to the elopement in BatuEjung village. This type of research is qualitative research, data sources in this study were taken from primary data and secondary data, data collection techniques were carried out by interview observation and documentation. Analysis techniques by data reduction, data presentation, then drawing conclusions / verification. The results of studies of various types of communication patterns, ranging from primary communication patterns, secondary communication patterns, linear communication patterns and circular communication patterns, the most suitable and approaching in sanctioning elopement actors are primary communication patterns because they include which elements in the pattern This is divided into two symbols, verbal symbols and nonverbal symbols. In verbal or language symbols, it can be seen how dialogue patterns that occur between indigenous people and the host convey the problem directly, in a nonverbal pattern the process of communicating thoughts by the communicator to the communicant using a symbol, known as "tepunjung" both yellow arbor and white arbor, and payment of a fine in cash. Keywords: communication patterns, customs, elopement


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