Al-Mizan: Jurnal Hukum dan Ekonomi Islam <p><img src="/public/site/images/admin/journalThumbnail_en_US.jpg" align="left" hspace="10">Jurnal Al-Mizan Adalah Jurnal Hukum dan Ekonomi Islam diterbitkan oleh Fakultas Syariah Institut Ilmu Al Quran Jakarta.&nbsp;Jurnal al-Mizan terbit 2 (dua) kali setahun (September &amp; Februari). al-Mizan menerima kontribusi tulisan berupa artikel, laporan penelitian dan resensi buku</p> <p>&nbsp;</p> <p>&nbsp;</p> <p>&nbsp;</p> <p><strong>P-ISSN :&nbsp;<a title="p-issn" href=";1330217505&amp;1&amp;&amp;" target="_blank" rel="noopener">2085-6792</a></strong><br><strong>E-ISSN : <a title="e-issn" href=";1549434171&amp;1&amp;&amp;2019" target="_blank" rel="noopener">2656-7164</a></strong></p> <p>&nbsp;</p> en-US (Syafaat) (Syafaat) Wed, 16 Oct 2019 00:00:00 +0000 OJS 60 BENARKAH SUMBER DAYA LANGKA?: TINJAUAN MEKANISME DISTRIBUSI DALAM PERSPEKTIF EKONOMI ISLAM <p><em>Scarcity of resources has been an issue that has long been discussed by economists and policy makers. The human population increases according to the geometric progression while the amount of production especially food increases according to the arithmetic sequence. Meanwhile, in the Islamic view of scarcity, the main problem as stated in the conventional economic perspective is actually not entirely true because all human needs have been guaranteed by Allah SWT and that the natural wealth that exists in this world is sufficient to meet human needs. Humans must be able to separate what is the need (need) and also the desire (want). If humans are able to maintain and fulfill the five basic needs (dharuriyat), namely the fulfillment of the needs of religion, reason, wealth, soul and offspring, then scarcity should not occur. In addition, the scarcity is also caused by an unfair economic distribution system.</em></p> Syafaat Muhari ##submission.copyrightStatement## Wed, 11 Sep 2019 00:00:00 +0000 SIMULASI PENGEMBANGAN USAHA RINTISAN DENGAN PERHITUNGAN COST OF CAPITAL DAN CAPITAL BUDGETING MELALUI DANA VENTURA SYARIAH <p><em>Nowadays, there are many pioneering efforts in Indonesia, this is related to the rapid transfer of information via the internet. The enthusiasm of entrepreneurs in starting a business or start-up business can answer very enthusiastically, but do not let this high enthusiasm is not followed by good performance. If this continues, it is feared that there will be start-ups or start-ups that only pass challenges into a millennial generation. It is expected that good financial ability by every startup is a necessity for starting a business. This research is trying to find a solution in a deadlock, which is the financial focus of the startups. This study analyzes the simulation of capital costs and capital budgeting in the development of startups through the implementation of mudharabah in Islamic banks. Through the analysis of the simulation that was found there was a start-up business categorized in three categories, namely low risk, medium risk and high risk. The three risk categories that have low risk are startups that are needed by people who need applications or software in their services, such as health services and financial technology. Medium risk startups are ongoing startups and are part of people's daily activities such as food, fashion and online stores. While high risk startups are pioneering efforts in technological development or new breakthroughs in the field of information technology.</em></p> Slamet Wiharto ##submission.copyrightStatement## Fri, 13 Sep 2019 00:00:00 +0000 ANALISIS PELAKSANAAN MUSYARAKAH PADA LAYANAN FINANCIAL TECHNOLOGY PEER TO PEER LENDING SYARIAH DI INDONESIA <p><em>This study aims to analyze Shariah peer to peer lending services with case studies at PT. Syarfi Technology Indonesia is based on the musyarakah contract. Researchers conducted a literature review and interviews as a research method. Based on field observations, the musharaka contract in the Shariah platform there are three financing models, namely invoice financing, PO financing, and financing for procurement of goods for Online Seller. But the financing that has been running is just Invoice Financing. Invoice Financing is a funding product that is guaranteed by a bill or invoice. Invoice Financing works by guaranteeing a bill for goods or services that have been provided by the payor to the recipient of financing to obtain financing from the financing provider through the organizer (Syarfi).</em></p> Dhiya Tsuroyya, MUzayyanah Muzayyanah ##submission.copyrightStatement## Mon, 16 Sep 2019 00:00:00 +0000 ANALISIS AKAD MURABAHAH DAN WAKALAH BIL UJRAH PADA PEMBIAYAAN BERBASIS TEKNOLOGI INFORMASI (FINTECH) <p><em>The phenomenon of online credit transactions that are spreading today is like expanding e-commerce. However, some online financing that is currently developing is quite horrendous to the public, because there are still people who do not understand the dangers of doing online credit to a legal entity / company whose security is unclear. Therefore, to find out information technology-based money financing (fintech) and to find out how the implementation of fintech financing activities is based on sharia principles. PT. Dana Syariah Indonesia is one of the sharia fintech companies, which offers halal investment with high yields on the basis of wakalah bil ujrah contracts and in channeling fintech-based financing based on sharia principles using murabahah contracts.</em></p> Nadia Qatrunnada, Indra Marzuki ##submission.copyrightStatement## Mon, 23 Sep 2019 00:00:00 +0000 ANALISIS STRATEGI FUNDRAISING LEMBAGA AMIL ZAKAT MELALUI PLATFORM E-COMMERCE <p><em>This research uses a qualitative approach with a descriptive method, </em><em>which</em><em> express and solve problems by describing </em><em>data</em><em> from </em><em>empirical evidence</em><em>. Analyzing data based on information obtained from interviews from practitioners and e-commerce experts, documentation, and direct observation using e-commerce applications used by the Amil Zakat Institute. The results of this study, show that in the fundraising strategy, LAZ Aksi Cepat Tanggap (ACT), Dompet Dhuafa (DD), Rumah Zakat (RZ) have different program objectives, namely ACT in the social and humanitarian fields, Dompet Dhuafa in health and education, while Rumah Zakat is in the field of community empowerment. Secondly, the implementation of LAZ fundraising strategy through e-commerce has had a positive impact on the collection of donations of donations, alms, waqf LAZ ACT, DD, RZ sourced from the public. The fact is that there is an increase in collection for every e-commerce that sells the LAZ ACT, DD, RZ programs.</em></p> Siti Sahara Siregar, Hendra Kholid ##submission.copyrightStatement## Wed, 25 Sep 2019 00:00:00 +0000 ANALISIS BAI’ GHARAR TERHADAP JUAL BELI FOLLOWER DI INSTAGRAM <p><em>Instagram is one </em><em>of the social media application</em><em> that is widely used, Instagram users competing to have a large number of followers to follow the trend and to do business on Instagram, so many offer follower buying and selling in order to have a large number of followers in a short time. However, buying and selling followers on Instagram is controversial whether it is in accordance with the terms of buying and selling in Islam, or there is a bai gharar element contained in buying and selling followers on Instagram. This research uses qualitative research. Data from this study were collected from direct interviews with buyers and sellers of followers as well as with Dewan Syariah Nasional Majelis Ulam</em><em>a</em><em> Indonesia </em><em>(DSN-MUI)</em><em> members, as well as supporting literature relevant to the issues raised by the author. Then analyzed by the writer using descriptive analysis. The results of this study are the buying and selling of followers containing the bai</em><em>ʽ</em><em> gharar element if the seller sells a fake account and if he gets the account without prior permission and gets it without going through the application. Buying and selling legal follower may be as long as it does not contain elements of gharar, and the allotment of lawful and harmonious conditions and conditions have met the provisions of the Shari'a, but if it contains elements of gharar then buying and selling followers become haram.</em></p> Nahdiah Nahdiah, Syarif Hidayatullah ##submission.copyrightStatement## Fri, 27 Sep 2019 00:00:00 +0000 IMPLEMENTASI FATWA DSN-MUI NOMOR 89/DSN-MUI/XII/2013 TENTANG REFINANCING SYARIAH PADA BUSSAN AUTO FINANCE (BAF) SYARIAH <p><em>Sharia Refinancing is one of the solutions to the </em><em>non-performing</em><em> financing. This study analyzes whether the implementation of Sharia Refinancing in Bussan Auto Finance Sharia is in accordance with the Fatwa DSN-MUI Number 89 Regarding Sharia Refinancing or not. The research method used is a qualitative analytical descriptive method related to research data. Based on the results of this study indicate that the Sharia BAF has run the process of refinancing (sharia refinancing) in accordance with Fatwa DSN-MUI Number 89/DSN-MUI/XII/2013 about Sharia Refinancing, namely using the al bay 'wa al scheme isti`jar.</em></p> Zukhru Fatuzzahro ##submission.copyrightStatement## Mon, 30 Sep 2019 00:00:00 +0000