‘Urf sebagai Metode Penentuan Hukum dalam Bisnis Syari’ah

This paper aims to define 'urf and its foundations in the Qur'an and Hadith as well as the implementation of the 'urf method in islamic business. The research method used in this paper is qualitative with a normative juridical approach. The findings in this paper are that the Qur'an and hadith underlie the use of 'urf as a islamic business solution which certainly does not conflict with existing texts. 'Urf is often applied in sharia business through aspects of business transactions, profit taking from sellers of goods and services, and determination of wages. 'Urf can be applied in sharia business with several conditions, namely; 1) The business tradition does not conflict with the texts, (2) the business tradition is long-term, (3) the business tradition is known to the general public, (4) the business tradition is innovative according to space and time.

Tinjauan Hukum Ekonomi Syar’ah: Take Over Pembiayaan Mikro Bank Syari’ah

Although Indonesia is still facing formidable challenges due to the Covid-19 pandemic, the distribution of financing in the MSME sector and the micro segment continues to increase. "This shows that BSI continues to support the growth of MSMEs in the midst of the pandemic storm. Until June 2021, MSME financing at BSI was recorded at 36.82 trillion rupiah. Therefore, the authors are interested in conducting research with the title "Review of Islamic Economic Law Take Over Sharia Bank Microfinance". The purpose of this study is to analyze the TO process of microfinance in Islamic banks and its legal review. The research method used is descriptive analytical while the approach uses empirical juridical and data collection by literature study, interviews and observations. The results of the study stated the views of several scholars and sharia economists regarding the Qardh wal Murabahah contract used as a permissible contract, but in practice it must be subject to strict supervision. The Micro Financing Take Over process is guided by the DSN-MUI Fatwa Number: 31/DSN-MUI/VI/2002 concerning Debt Transfer (Alternative 1) and has become a positive law through Bank Indonesia Regulations (PBI). The legal consequence of this Qardh wal Murabahah contract is that the right of the first customer as a guarantee right holder is legally transferred to the new customer as stated in the Mortgage Certificate (SHT) and Fiduciary Guarantee Certificate.

Analisis Filosofis terhadap Fatwa DSN MUI No. 106 Tahun 2016 tentang Wakaf Manfaat Asuransi dan Manfaat Investasi pada Asuransi Jiwa Syari’ah

The purpose of this study is to explore the essence, substance and benefits of the DSN-MUI fatwa no. 106 of 2016 concerning waqf insurance benefits and investment benefits in Sharia Life insurance. This is a library research with primary law, DSN-MUI fatwa no. 106 of 2016. A philosophical approach was chosen in this study to describe the ontology, epistemology and axiology aspects of the fatwa. The results of this study indicate that the essence of the fatwa is to accommodate legal needs in the synergy of waqf and sharia insurance in order to maximize the benefits of waqf and sharia insurance for the wider community.