Direct Selling dalam Usaha Perasuransian Perspektif Hukum Islam

Insurance companies such as PT. Life Insurance Central Asia Raya, PT. Prudential Life Insurance, PT. Generali Indonesia Life Insurance, PT. Tugu Mandiri Life Insurance, PT. MNC Life Insurance, PT. Asuransi Jiwasraya (Persero), and PT. Sequis Life Life Insurance has marketed one of its insurance products with a direct sales system or better known as direct selling. Direct selling does not include the marketing channels stipulated in the Financial Services Authority Regulation (POJK) No. 23 of 2015 concerning Insurance Products and Marketing of Insurance Products. Based on the POJK, direct selling practiced by insurance companies is illegal. Direct selling is developed by insurance agents by recruiting insurance agents in a row. Otoritas Jasa Keuangan (OJK) confirms direct selling as the development of insurance marketing methods. Supervision is unmindful of the principle of legal certainty, professionalism, and openness. In sadd az}-z}ariah, negligent supervision of the OJK is an act that endangers health insurance. OJK must review the direct selling marketing developed by insurance agents further

Dampak Covid 19 Terhadap Praktik Jual-Beli:

The Corona virus pandemic exploited by irresponsible elements. They do a cunning business strategy, which is to hoard goods, in fiqhi terms known as iḥtikār. In the Islamic view, iḥtikār is a prohibited business practice and will be met with a painful punishment in the afterlife. The purpose of this paper is to provide an understanding about the impact of COVID 19 on the practice of buying and selling (iḥtikār). This paper uses qualitative research methods in the form of library reseach using the shar'i approach. From this study it can be concluded that the behavior of hoarding goods with the aim of reselling them at high prices to obtain large profits. In Islamic Shari'ah, iḥtikār‘s law is haram because it contains elements that harm others. This is very clearly stated in QS al-Humazah/109: 1-2 and punished by sin as stipulated in the hadith of the Messenger of Allah.

Pendayagunaan Zakat Untuk Penanggulangan Pandemi Covid-19 Perpektif Filsafat Hukum Islam

The global pandemic Covid-19 that occurred in Indonesia made people experience a difficult situation that requires assistance in terms of support, material and financial. Zakat as a source of social funds in Islam has a strategic role to meet these needs. This study examines the importance of zakat for tackling the Covid-19 pandemic. This research is a library research and data collection technique carried out through library studies, using Islamic legal philosophy approach, and results in the conclusion that zakat may be given to Covid-19 affected parties, both for medical teams, corona patients and one of citizens who family has confirmed positive corona, people affected by PHK due to phsycal or social distancing implemented by the government to minimize the transmission of Covid-19, etc

Pendekatan Sadd Adz-Dzari’ah Dalam Studi Islam

This article discusses sadd adz-dzariah in Islamic studies. Sadd adz-dzariah is a method produced by previous ushul fiqh scholars in an effort to keep humans as fallen mukallaf from falling into damage. This is done by closing and blocking all the means, tools and wasilah that will be used for an act. This article concludes that in determining a legal goal that forbids to a goal, sadd adz-Dzari'ah has three main elements that need to be considered, namely: First, the goal or purpose that you want to be desired. If the goal is evil, then the path is forbidden, and if the goal is good then the way is obligatory. Second, the intention or motive seen from the point of view of the target. If the intention is to achieve what is lawful, then the law of the ingredients is lawful, and if the intention to be achieved is haram, then the path to take that path is also haram. Third, namely the result of an action done.

Pendayagunaan Zakat Untuk Penanggulangan Pandemi Covid-19 Perpektif Filsafat Hukum Islam

The global pandemic Covid-19 that occurred in Indonesia made people experience a difficult situation that requires assistance in terms of support, material and financial. Zakat as a source of social funds in Islam has a strategic role to meet these needs. This study examines the importance of zakat for tackling the Covid-19 pandemic. This research is a library research and data collection technique carried out through library studies, using Islamic legal philosophy approach, and results in the conclusion that zakat may be given to Covid-19 affected parties, both for medical teams, corona patients and one of citizens who family has confirmed positive corona, people affected by PHK due to phsycal or social distancing implemented by the government to minimize the transmission of Covid-19, etc

Kajian Teoritik Terhadap Urgensi Asas Dalam Akad (Kontrak) Syariah

The concept of or in sharia transactions is an important element that regulates and determines the relationship between the economic actors (among others) in a transaction that is related to the contract. Sharia sees the validity of the Akad can be said to be fulfilled if it meets the conditions and pillars of contract. Then, there is a basic principle that can stimulate the contract which is the basis of a foundation, basic, point of decline and footing that serves as a corridor in the creation of the contract as well as a corridor to interpret in resolving treaty disputes. Therefore, the principle becomes very important to be further examined in order to understand the various kinds of akad to make the development of contemporary business Akad and become a reference in making contract. This type of research uses library research. There are principles underlying the creation, enforcement and implementation of sharia contracts that include the principle of ibahah, the principle of freedom of law, the principle of consensualism, the principle of promise binding, the principle of balance, the principle of benefit, the principle of trust, the principle of justice, the principle of personnel, and the written principle.

PENGARUH RELIGIUSITAS, KUALITAS PELAYANAN, KUALITAS PRODUK TERHADAP LOYALITAS NASABAH TABUNGAN PADA PT. BANK ACEH SYARIAH KANTOR CABANG PEMBANTU DARUSSALAM

The purpose of research is to know the influence of religiality, quality of service, quality of products to customer loyalty savings at PT. Bank Aceh Branch Helper Darussalam. Sample of this research as much as 100 customers using the formula Slovin with a sample technique is purposive sampling. The type of research used in this study is quantitative. The data used is the primary data obtained by using questionnaires. The results of this study showed that religiusity, quality of service, the product quality is the simultaneous effect on customer loyalty savings at PT. Bank Aceh Branch maid Darussalam. A partial factor of religiusity and quality of service, the culinary products to give positive and significant impact on customer loyalty at PT. Bank Aceh, but one of the variables (product culitas) has a level of Lower influence than the variable religiusisity and quality of service.

ANALISIS PENGARUH DEPOSITO MUDHARABAH, DAN TABUNGAN MUDHARABAH, TERHADAP PEMBERIAN PEMBIAYAAN UMKM DI BANK SYARIAH INDONESIA

Penelitian ini bertujuan untuk mengetahui pengaruh Deposito Mudharabah, dan Tabungan Mudharabah terhadap pemberian pembiayaan UMKM. Sampel yang digunakan adalah Deposito Mudharabah, Tabungan Mudharabah, dan pembiayaan UMKM, dari bulan Januari 2012 sampai Desember 2016. Pendekatan penelitian yang digunakan penelitian kuantitatif dengan analisis regresi berganda, dengan menggunakan SPSS. Dari hasil penelitian yang dilakukan pada alpha 5%, penulis menyimpulkan bahwa hasil analisis pengaruh Deposito Mudharabah, dan Deposito Mudharabah, terhadap pemberian Pembiayaan UMKM di Bank Syariah, secara bersamaan berepengaruh dengan tingkat alpha 5% dan nilai palue nya adalah 0,00. Sedangkan secara tunggal, variabel Deposito Mudharabah sebesar 0,372 atau 3,72%. Dan variabel Tabungan Mudharabah berpengaruh sebesar 0,528 atau 5,28%. Artinya, Tabungan Mudharabah berpengaruh dominan terhadap pembiayaan UMKM di bank syariah.

TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP BIAYA ADMINISTRASI DAN DENDA DI PEGADAIAN SYARIAH LHOKSEUMAWE (SHARIA ECONOMIC LAW REVIEW TOWARD ADMINISTRATION COSTS AND FINES IN SHARIA PAWNSHOP IN LHOKSEUMAWE)

Penelitian ini menjelaskan tentang biaya administrasi dan denda di pegadaian syariahLhokseumawe ditinjau dengan hukum ekonomi syariah dikarenakan timbulnya keraguan dikalangan masyarakat terkait penetapan biaya administrasi dan denda terhadap nasabah diPegadaian tersebut. Hasil dari penelitian ini menyatakan bahwa alasan dan tujuan penetapanbiaya administrasi dan denda di Pegadaian Syariah Lhokseumawe adalah untuk kepentinganadministrasi dan sebagai motivasi kepada nasabah agar disiplin dalam menjalankankewajibannya. Berdasarkan analisis Hukum Ekonomi Syariah penetapan biaya administrasi dandenda di Pegadaian Syariah Lhokseumawe telah sesuai dengan Kompilasi Hukum EkonomiSyariah (KHES) BAB XIV tentang RAHN, Fatwa Dewan Syariah Nasional No: 25/DSNMUI/III/2002 tentang RAHN dan Fatwa Dewan Syariah Nasional No: 17/DSNMUI/IX/2000 tentang sanksi atas nasabah mampu yang menunda-nunda pembayaran, hanyasaja pihak pegadaian harus lebih teliti dalam membedakan antara nasabah mampu dengan yangtidak mampu dalam penetapan biaya denda.

ETIKA PERDAGANGAN DALAM AL-QUR’AN

Al-Qur‘an yang merupakan pedoman hidup umat Islam memiliki konsep yang sangat konprehensif (kamil dan syumul). Menetapkan nilai-nilai yang bukan hanya berhubungan dengan hablumminallah, juga hablumminanna,. salah satunya bidang perdagangan. Al-Quran menyebutkan kata perdagangan dalam beberapa kosa kata, tijarah, bai‟ dan syira‟. Beragam derivasi ditemukan dalam al-Qura‘an yang diturunkan dari kosa kata tersebut. Penyebutan ketiga bentuk kata tersebut dalam al-Qur‘an mengandung beragam kandungan makna. Yang salah satunya berhubungan dengan etika dalam melakukan perdagangan. Etika yang ditetapkan dalam al-Quran bertujuan terciptanya keridhaan yang hakiki dalam proses pemenuhan kebutuhan keinginan dalam bentuk perdagangan. Sehingga terhindar dari perdagangan yang ribawi dan zalim. Nilai-nilai yang berdimensi etika dalam al-Qur‘an harus dijadikan prinsip dalam membangun prinsip perdagangan yang berorientasi pada falah.