bluuebunny/crossref_metadata_2025_split huggingface dataset:
PENGGUNAAN E-MONEY BRIZZI SEBAGAI ALAT PEMBAYARAN MENURUT HUKUM EKONOMI SYARIAH (STUDI ANALISIS TERHADAP PRODUK E-MONEY BRIZZI PADA BANK BRI KANTOR CABANG BLORA)
Authors: Muhammad Zubaidi Muhammad , Suhartono Suhartono 
Published: September 2021

ABSTRACTThis research discusses and analyzes the mechanism of using Brizzi E-money issued by BRI Bank Blora Branch Office, as well as the perspective of Sharia Economic Law on the use of the card mechanism. Especially the electronic payment instruments issued by Bank BRI namely E-Money Brizzi. This research not only examines law theoretically, but also looks at it from the practice and application side in the field. This type of research is field research, namely research activities carried out at BRI Bank Blora Branch Office. The research approach which used is a qualitative descriptive research approach, which is an approach used to understand the phenomena about what is experienced by the subject and object of research.The results of this study concluded that the use of Brizzi E-money cards had met the legal and legal requirements for consent. In addition, when viewed from the aspect of cases that in validate the legality of the sale and purchase law, the use of Brizzi e-money cards in the sale and purchase transaction does not include elements that cancel the sale and purchase such as elements of gharar, maysir, and usury. The deduction of administrative funds due to transactions using the Brizzi e-money card has a similarity to the wakalah bil ujrah system in Sharia Economic Law. However, base on the results of the analysis conducted by the author, it is found that th euse of Brizzi e-money cards is not in accordance with the theory of wadi'ah dueto the unfulfillment of conditions and harmony in theuse, alsois not in line with the concept of wadi'ah yad amanah and wadi ' ah yad dhamanah from the aspect of the burden of responsibility for the party entrusted. Besides that, the use of Brizzi e-money cards is also not in accordance with the qardh theory. This is because in addition to not fulfilling one of the pillars and qardh validity requirements, also in the qardha fter the contract is said, the goods or asset swhich become the object of qardh automatically be come the property of the party receiving the loan. Where as in the system of using Brizzi e-money cards, the electronic money that is on the card after being deposited to the bank remains the property of the card holder. Keywords: E-Money, Brizzi, Sharia Economic Law, BRI Bank
IMPLEMENTASI FATWA-FATWA DSN-MUI PADA PEMBIAYAAN DANA TALANGAN HAJI (STUDI KASUS PADA PADA KSPPS BTM MULIA BABAT – LAMONGAN)
Authors: Saidi Ahmad Arif Rahman , Warsidi Warsidi 
Published: September 2021

ABSTRACT The use of religious guidances from DSN-MUI as a basis of delivering products in the Micro-Sharia Financial Institution (LKS) is not accompanied by a complete and correct understanding of the implementation. It can be seen in among others, the fund financing of hajj bailout. There are many different kinds of contracts used by micro-sharia financial institution in the hajj bailout fund financing, such as the contract of qardh bil ujrah and ijarah multijasa, even there are those that uses murabahah contract in the hajj fund financing.The author's interest in examining the implementation of hajj bailout fund financing in KSPPS BTM Mulia is because the KSPPS BTM Mulia used the contract of qardh bil ujrah and then change it into ijarah multijasa at the beginning of the emergence of the product of hajj bailout fund financing. The author intends to find out about the implementation in KSPPS BTM Mulia, which contract is most in accordance with the Sharia economic law, and what are the impact of the changes for KSPPS BTM Mulia.This study is a qualitative-descriptive research which uses the data collection technique with observation, interview, and documentation. The data source of this study is: (1) the person who is involved in hajj fund financing in KSPPS BTM Mulia starting from the management, Sharia supervisory board, marketing, legal, and customers; and (2) contract documents, minutes of meetings, and other documents which related to and needed in this study.From this study, it is known that the implementation of hajj bailout fund financing in KSPPS BTM Mulia that uses the qardh bil ujrahcontract, the halal status cannot be guaranteed, while the ijarah multijasa contract with little improvement will be more appropriate and in accordance with the Islamic Sharia principles. Keywords :Hajj Bailout Fund Financing, Contract ofQardh ,Ijarah Multijasa, Kafalah
ANALISIS PUTUSAN PENGADILAN AGAMA MALANG TENTANG HAK TANGGUNGAN PADA SENGKETA EKONOMI SYARIAH (Studi Kasus Putusan Pengadilan Agama Malang nomor: 0689/Pdt.G/2017/PA.Mlg)
Authors: Imawan Arip , Hadi Abd 
Published: September 2021

The Malang Religious Court has the authority to decide cases on Islamic economic disputes. Decision numbered: 0689 / Pdt.G / 2017 / PA.Mlg is a ruling stating that they reject the plaintiff's claim regarding the cancellation of the mortgage. The formulation of the problem in this study was how the litigation procedure in the Sharia Economic Dispute Settlement of the Malang Religious Court and the legal basis for judges' consideration in deciding case number 0689 / Pdt.G / 2017 / PA.Mlg. This study used qualitative methods with primary data source for decision number 0689 / Pdt.G / 2017 / PA.Mlg and secondary data in the form of laws and regulations, DSN-MUI fatwa, documentation, and interview with judges of the Malang Religious Court. Conclusion Thesis, legal considerations used by the Panel of Judges in Decision Number: 0689 / Pdt.G / 2017 / PA.Mlg wereappropriate. These legal considerations used Law number 3 of 2006 and Law number 50 of 2009 concerning religious courts, Law number 4 of 1996 concerning mortgage rights and objects related to land, Law number 21 of 2008 concerning Islamic banking, DSN fatwa MUI number 11 / DSN-MUI / IV / 2000 concerning Kafalah and Perma number 2 of 2008 concerning Sharia Economic Law Compilation. However, in using consideration Permenkeu 106 / PMK.06 / 2013 was not appropriate because the Permenkeu had been revoked and was not valid because there was a Permenkeu 27 / PMK.06/2016. Key Words : Sharia Economic Disputes, Mortgage Rights, Religious Courts
ANALISIS FAKTOR-FAKTOR DALAM PENGAMBILAN KEPUTUSAN NASABAH MEMILIH PRODUK PEMBIAYAAN PENSIUN DI BSM KC BOJONEGORO SUMBERREJO
Authors: Rachman Aditya , Swadjaja Isma 
Published: September 2021

Pension financing is a solution for someone who has stopped working to be able to meet all consumptive needs and other economic needs. PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo is one of the Sharia banks that offers pension financing products so that they have to compete with neighboring banks, especially conventional banks, which first offer pension financing products. The population in this study were all retired customers of PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo, as many as 480 customers. By using purposive sampling technique, the number of samples used is 267 retired customers who have met the criteria determined by the researcher. From the analysis, it is found that partially the factors that influence customer decisions in choosing pension financing at PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo are product quality (X1), service quality (X2), price (X3), emotional (X4), convenience ( X5), promotions (X8) and costs (X9). While simultaneously product quality (X1), service quality (X2), price (X3), emotional (X4), convenience (X5), personal experience (X6), other people's experiences (X7), promotion (X8) and costs ( X9) affects the customer's decision to take pension financing at PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo. The nine factors influence the customer's decision in choosing pension financing by only 66.9 percent, while the remaining 33.1 percent is influenced by other factors. Of the various factors that influence customer decisions in choosing pension financing at PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo, the most significant influence is the price factor (X3). Keywords: Pension financing, customer decisions, multiple linear regression analysis
SADD AL-DZARI’AH:KORELASI DAN PENERAPANNYA DALAM HUKUM EKONOMI SYARIAH
Authors: Amin Rukhul 
Published: September 2021

This paper describes the importance of sad al-dzari'ah in determining Islamic law, especially in relation to the business-economy world which tends to be dynamic. Sadd al-dzari'ah is a legal instrument in Islam that is good if it is applied properly, in accordance with the rules of syara '. It can be a tool that can be used to create the benefit of the people and prevent it from being damaged. One example that can be seen in seeing the importance of sadd al-dzariah in the national legal system is the application of the actio paulina principle, the regulations of which can be found in Articles 1341 and 1061 of the Civil Code and Articles 41 to 47 of the bankruptcy law. However, as it plays a very important role in the search for law, on the one hand sadd al-dzari'ah can also be something negative. This can happen if the use or application is not / not done carefully, especially if it is not based on broad social piety in the community. Keyword: Sadd/Fath al-Dzari’ah, Maqashid al-Syariah, Actio Paulina
SISTEM PENGGAJIAN GURU DAN TENAGA KEPENDIDIKAN DI TK. ‘AISYIYAH BUSTANUL ATHFAL I KOTA PROBOLINGGO MENURUT PRINSIP-PRINSIP AKAD IJARAH
Authors: Arifin Mohammad , Wahab Abdul 
Published: September 2021

During 2016 to 2019 there were many demonstrations carried out by educators and educational staff with a minimum guarantee of receiving monthly and no government allowance. This demonstration of educators is a silent proof of the inability of the government in the welfare of educators who need a non-PNS level, the complexity of being a PNS educator also cannot be solved by only teaching for more than 10 years. Anxiety like this certainly occurs in every region. To answer this we can answer through the payroll Sistem of educators and education personnel in kindergarten. ABA I Probolinggo City? and how is the implementation of the principles of the ijarah contract in kindergarten payroll systems. ABA I Kota Probolinggo according to the principles of the ijarah contract?To answer this question, this type of research is used (field field research) with a qualitative method. The data collection techniques used in this study include observation, interviews, and document study. The data that has been collected is then compiled and analyzed using descriptive methods, which describes the concept of implementing the payroll Sistem and the principles of the ijarah contract in kindergarten. ‘Aisyiyah Bustanul Athfal I Probolinggo City.The results of this study state that the implementation of the payroll Sistem and the implementation of the principles of the charity ijarah contract in the payroll Sistem in kindergarten. 'Aisyiyah Bustanul Athfal I City of Probolinggo is still general. Although in its application both parties have each benefited, this has not met the provisions of the ijarah agreement in accordance with sharia economic law.Keywords : Principles of Ijarah Agreement and Payroll Sistem
IMPLEMENTASI PEMBIAYAAN MURABAHAH (STUDI KASUS WARUNG MIKRO BANK SYARIAH MANDIRI CABANG BOJONEGORO )
Authors: Arifin Bakhtiyar , Warsidi Warsidi 
Published: September 2021

One of the segmentation of Bank Syariah Mandiri to distribute financing to micro segment is that the warung micro aims to provide convenience to the micro enterprise in obtaining additional capital to expand its business, although it does not close to provide financing to customer who does note have micro enterprises.This research uses qualitative research to know how the implementation of Murabahah financing on sharia bank independent of warung micro segment in practice and theory. Is the murabahah contract that is used in accordance with the fatwa of The National Sharia Council Indonesia Counsil of Religious Scholars in meeting the needs of the cusmoter to increase working capital.The finding in the field that the contract used was a hybrid contract between murabahah and wakalah contract. So that presence of warung mikro bank syariah mandiri felt very beneficial to the customers in gaining capital increase for its business development easy and sharia. The result of this study concluded that the contract and process carried out by the Warung Mikro Bank Syariah Mandiri Bojonegoro already in accordance with the applicable regulations in Indonesia is in accordance with the fatwa of the National Sharia Council Indonesia Counsil of Religious Scholars No. 04/DSN-MUI/IV/2000 on the financing of Murabahah ang implementation of murabahah financing. It is reflected in the filing process until the agreement between the bank and the customer.Keywords: Murabahah, Warung Mikro Bank Syariah mandiri, Murabahah Working Capital.
IMPLEMENTASI AKAD WAKALAH BIL UJRAH DALAM PELIMPAHAN WEWENANG PENYELENGGARAAN PERNIKAHAN PERSPEKTIF HUKUM EKONOMI SYARIAH (Studi Analisis Pada Shahira Islamic Wedding Organizer Surabaya)
Authors: Akbar Mochammady El , Mu'ammar Muhammad Arfan 
Published: September 2021

Wakalah bil ujrah covenant implementation is an agreement covenant of an authority delegation to do something (delegating an affair) in which the implementation can be implemented in the field of wedding exertion by a wedding organizer. But generally, in the field implementation, the society has not been fully acknowledge and understanding how this implementation of an authority delegation in a wedding exertion accords with the the things which have been appointed by the syari’a economic law, and the legal consequences from the achieved wakalah agreement.The problems formulation of this thesis is how the form of the wakalah covenant implementation and also the system of the ujrah taking in the authority delegation of a wedding exertion by Shahira Wedding Organizer Surabaya and analyzing the implementation based on the syari’a economic law of the National Syari’a Board - Majelis Ulama Indonesia (DSN-MUI).This Study was conducted using online research instruments (online field research) with qualitative method. As for the data collecting techniques were done and achieved by online, observation, and the documentation data that are in correlate to the object of the study. The collected data, furthermore is arranged and analyzed using descriptive analysis method, it is describing how the akad wakalah bil ujrah implementation concept in obligating the authority the wedding exertion is done from the shahibbul hajat to Shahira Wedding Organizer Surabaya.The results of the research show that the wakalah bil ujrah covenant implementation in delegating the authority from the shahibbul hajat to Shahira Wedding Organizer Surabaya is done orally through the agreement in choosing the packages of Gumush, Altin, and Platin using simple statements (informal language) as the Surabaya’s people do. Furthermore it will be followed by some representation acts by the Shahira Wedding Organizer Surabaya. Dealing with the ujrah or the fee taking, it will be alocated and included into the price-list of the packages that automatically when it was on the first offer, the value of ujrah has been written and agreed. According to the perspective of the syari’a economic law, this wakalah bil ujrah practice done by the Shahira WO has fulfilled the well conformity in the implementation for the whole components between the both sides have been fulfilled in both of the pillars and the requirements that have been set by the Fatwa DSN-MUI No. 10/DSN-MUI/IV/2000 about wakalah.Keywords : Wakalah Bil Ujrah, Wedding Organizer and Syari’a Economic Law Perspective
ANALISIS IMPLEMENTASI HUKUM EKONOMI ISLAM TERHADAP PRAKTIK JUAL BELI TAHU DAN TEMPE DI DESA LAOK JANG-JANG KANGEAN SUMENEP
Authors: Listriyati Listriyati , Berkah Dian 
Published: September 2021

To know and tempeh trade that takes place in Laok Jang-Jang Kangean village has been practiced according to the habits that have been in place for a long time in the community. But Islam regulates its people on how to transact well between each other. All the work done should not go out of the way, so that no one feels harmed and no one feels remorse in the future. The problem in this study is how the trading practice system. To know and tempeh in Laok Jang-Jang KangeanSumenep Village and how to Implement Islamic Economic Law in Laok Jang-Jang KangeanSumenep Village. The purpose of this research is to uncover the problem of The Implementation analysis of Islamic Economic Law AgainstTempe To know-selling practices in Laok Jang KangeanSumenep Village.This research is field reseach that is analyzed using a qualitative descriptive approach. Samples are taken using total sampling that all sellers and buyers know and tempe so that this problem can be presented clearly, the research instruments used are interviews, observations and documentation. Data analysis is done through three steps, namely data reduction, data presentation, and withdrawal of conclusions or verification. Based on research, it is known that the practice of buying and selling toy and tempeh that occurs in the villagers of Laok Jang-Jang KangeanSumenep. it has become a tradition where in trade transactions know and tempe that often only use purchase receipts even some are only by oral.Key Words:Islamic Economic System, Against Buying and Selling Practices
POTENSI PENGELOLAAN ZAKAT, INFAQ DAN SHADAQAH DALAM MEMBANGUN PEMBERDAYAAN EKONOMI UMMAT DAN KESEJAHTERAAN MUSTAHIQ (studi kasus LAZISMU Kota Probolinggo)
Authors: Syahrin Muhammad Alfi , Swadjaja Isma 
Published: September 2021

LAZISMU Probolinggo City is one of the institutions that manages and distributes zakat, infaq and shadaqah, see the importance of zakat, infaq and shadaqah and their management because they have great potential in building the ummat economic empowerment and the mustahiq welfare. The purpose of this research is to knowing the management of zakat, infaq and shadaqah in LAZISMU Probolinggo City and the potential management of zakat, infaq and shadaqah in building the ummat economy and mustahiq welfare in LAZISMU Probolinggo City. This research is a field research with qualitative methods. The methods used in data collection are observation, interview, and document study. The data that has been collected are then compiled and analyzed using descriptive methods. The results showed that the potential managrment of zakat, infaq and shadaqah is quite good in implementing economic the ummat empowerment and the mustahiq welfare, as evidenced by the several programs that have been implemented, some mustahiq can begin to gradually leave the deprived lives to become more independent and far away there is hope to become muzakki from the results of the business he is running.Keywords : management of zakat, infaq and shadaqah, ummah economic empowerment, mustahiq welfare
KONSEP QIYAS AKAD MUDHARABAH TERHADAP AKAD MUSAQAH
Authors: Ghazali Muhammad Lathoif , Amanda Yudi Amirul aji 
Published: September 2021

Research aims to understand the concept of qiyas in mudharabah divorce .This research result indicates that mudharabah divorce with musaqah illah have in common, in common can be viewed from the side of understanding, in the manner of the agreement and the cancellation of requirements as the requirements sighat in both the divorce requiring the sighat (ijab and qabul), and there are also requirements and do not all requirements used same it is just in object the division of the gaining of it is that would differ, if not of capital mudharabah used in the form of money, musaqah in the form of a garden, mudharabah used in divorce and financial institution musaqah in use in agribusinesses. In nullification only two point according to researchers under the same one of both the parties that died and things that block the annulment of (crazy or murtad). The practice of akkad mudharabah is as ashl then al-musaqah is as far'u, after we had put together in the same evidence is cooperation between / owners or those with capital manager / the best of garden against the power to keep the business going and then within the division of the gaining of it is divorce agreement has been agreed upon at the beginning. So with this, and not even go near mudharabah musaqah in in business activities.Keywords : Qiyas, Illat, Mudharabah, Musaqah
PRINSIP-PRINSIP SYARIAH DALAM AKAD PEMBIAYAAN KPR SYARIAH PADA KOPERASI SIMPAN PINJAM PEMBIAYAAN SYARIAH BAITUL TAMWIL MUHAMMADIYAH BABAT LAMONGAN
Authors: Mahmud Mahmud , Warsidi Warsidi 
Published: September 2021

This study aims to prove empirically that the transaction contract and the mechanism of Sharia mortgages loan financing are carried out at BTM Mulia, Babat, Lamongan in accordance with Islamic sharia principles. This is a qualitative descriptive research, where which is focused on the study of legal actions (tasarruf), namely the implementation of mortgage loan financing at BTM Mulia with customers using murabahah contracts, and this is also called as a field research which data collection is carried out at KSPPS BTM Mulia, Babat, Lamongan. The results of this study are: (1) The implementation of the Sharia mortgages loan financing contract in BTM Mulia is in accordance with the theory of the contract which has been stipulated in Sharia Economic Law, both based on the DSN-MUI fatwas and Sharia Economic Law Compilation. (2) The implementation of Sharia mortgages loan financing (KPR) at BTM Mulia, Babat, Lamongan is in line with the sharia principles contained in Sharia Economic Law, which includes the principle of : 1). Tauhid : because the implementation of financing in BTM Mulia is not merely oriented towards the acquisition of economic benefits but more than that is to the spirit of help between human beings, 2). Justice : because there are no elements of gharar, maysir, and usury, and there are clear rights and obligations between the customer and BTM Mulia, 3). Benefit and Maslahah : because of the clear benefits and goodness, 4). Ta'awun : because if there are customers who have difficulty in installment payments, the BTM provides an extension of time for these customers to have the ability to repay their debt, 5). Khilafiyah or compliance with government regulations : because in terms of the contract procedures implemented, the mechanism that is carried out, as well as the method of resolving problems in the event of a dispute with the customer, BTM Mulia uses regulations that have been determined in Sharia Economic Law.Keywords: Sharia Principles, Transaction, Credit, Houses, BTM Mulia