Al-Mizan : Jurnal Hukum dan Ekonomi Islam

Analisis Kesesuaian Pembiayaan Salamruma di BPRS Al Salaam Berdasarkan Fatwa DSN-MUI No. 06 Tahun 2000 dan No. 22 Tahun 2002

Muzayanah — Mon, 17 Feb 2025 00:00:00 +0000

The application of the istiṣnᾱ' contract mechanism in Sharia Banking certainly varies. This means that there is a discrepancy between the implementation and the provisions regarding the istiṣnᾱ' contract. This is also reinforced by pro-conta statements from several previous research results. The research method used in this research is qualitative researchin the form of a case study. The research results show that (1) the salamruma financing mechanism with an istiṣnᾱ' agreement at BPRS Al Salaam is carried out based on Sharia principles. (2) The provisions of the istiṣnᾱ' agreement implemented by BPRS Al Salaam include the provisions contained in the MUI DSN Fatwa. (3) The procedure for financing salamruma with an istiṣnᾱ' agreement at BPRS Al Salaam is consideredto be in accordance with the DSN MUI Fatwa Number 06/DSN-MUI/IV/2000.

Pengaruh Fatwa DSN-MUI No. 20/2001 terhadap Preferensi Masyarakat Kecamatan Pamulang dalam Berinvestasi Reksa Dana Syariah melalui Platform Bibit

Amirah Ahmad Nahrawi, Ardhia Amalia Rizky — Mon, 17 Feb 2025 00:00:00 +0000

The AUM of industrial mutual funds experienced significant fluctuations throughout 2023. In July 2023, AUM touched IDR 520.1 trillion, and in November 2023, it touched IDR 496.27 trillion. Generation Z has stock and mutual fund assets of IDR 34.03 trillion and mutual funds of IDR 16.05 trillion. Millennial investors, aged 31 to 40 years, have stock assets of IDR 91.33 trillion and mutual funds of IDR 21.33 trillion, and investors aged 41 to 50 years have stock assets of IDR 142.74 trillion and mutual funds of IDR 28.45 trillion. The research method used is quantitative research in the form of descriptive statistics. The results of the research show that (1) The people of Pamulang District have strong knowledge regarding the DSN-MUI Fatwa regulations in regulating sharia mutual fund investments. (2) The DSN-MUI fatwa has a strong relationship with interest in investing in sharia mutual funds among the people of Pamulang District, South Tangerang City with a correlation value of 0.608 and a significance value of 0.001 in a positive and significant direction.

Analisis Fatwa DSN-MUI Terhadap Mekanisme Denda Pencairan Sebelum Jatuh Tempo Deposito Muḍārabah

Amara Rizki Fadillah, Syafaat Muhari — Mon, 17 Feb 2025 00:00:00 +0000

Deposits are savings that can only be withdrawn within a certain period of time, and withdrawals before maturity are often subject to penalties. The application of penalty fees in sharia banking varies. This is also reinforced by the pros and cons statements from several previous studies. Qualitative research in the form of case studies with a normative approach. The results of the research show that (1) the practice of penalty fees at BTN Syariah KCP Ciputat which are charged to customers when disbursing deposit funds before maturity does not contain any elements of gārar or ambiguity. (2) the penalty applied by BTN Syariah KCP Ciputat is in accordance with DSN-MUI fatwa No. 123/DSN-MUI/XI/2018 concerning the use of funds that may not be recognized as income for Islamic Finance Institution.

Tinjauan Yuridis Terhadap Resolusi Konflik Cidera Janji (Wanprestasi) pada Akad Murābaḥah: Studi Analitis Putusan PA Tigaraksa No. 4418/Pdt.G/2023

Dewi Sofia, Siti Widya Umiyati — Mon, 17 Feb 2025 00:00:00 +0000

This research is a type of qualitative research in the form of a case study with a normative juridical approach, which involves analyzing the Law, as well as a case approach. The research results show that: First, based on formal and material legal considerations, Decision 4418/Pdt.G/2023/PA.Tgrs confirms that the Defendant committed default in murābaḥah financing. The judge partially granted the Plaintiff's claim for the Defendant's negligence in paying installments, while part of the claim was rejected because the Defendant did not have a job. The judge imposed sanctions, including paying the remaining principal debt, transferring the risk on the land and building, and paying court costs to the Plaintiff. The judge's decision is in accordance with the principles of civil procedural law and the consequences of default regulated by Article 1267 of the Civil Code. Second, in the Tigaraksa Religious Court Decision Number 4418/Pdt.G/2023/PA.Tgrs, the judge refers to the National Sharia Council Fatwa which is less relevant. The more appropriate fatwa is the National Sharia Council Fatwa 04/DSN-MUI/IV/2000 on Murābaḥah and the National Sharia Council Fatwa 153/DSN-MUI/VI/2022 on Repayment of Murābaḥah Financing Debt Before Maturity. However, judges cannot be held legally accountable for their decisions, in order to maintain judicial independence. Judges in Indonesia cannot be criminalized for their decisions, strengthening their freedom and autonomy in carrying out judicial duties.

Pengaruh Literasi Fikih Muamalah Mahasiswa terhadap Intensitas Penggunaan QRIS BSI sebagai Metode Pembayaran

Nur Izzah, Farehan Hasan Salim — Mon, 17 Feb 2025 00:00:00 +0000

Deputy Chair of the National Commercial Banks Association (PERBASNAS) Tigor M. Siahaan said that the target of QRIS users was still too minimal with only 20 transactions per year, while Tigor M. said in the Digital Economy Festival discussion session that QRIS users were targeted to reach 45 million users. with 1 billion transactions by the end of 2023. Apart from that, the limited digital infrastructure in Indonesia in general is still a major factor that needs attention, because it causes low public interest in using QRIS. The research method used is quantitative research in the form of a survey with a causality approach and using questionnaire data. The results of the research show that there is a partial influence with a t (constant) value of 2.733, in accordance with the constant figure from the Unstandardized Coefficients value of 3.739, and there is a simultaneous influence with the results obtained from the calculated F value of 223.865 with a significance value of 0.001 <0 ,1. Thus, there is a significant positive influence from understanding muamalah jurisprudence on the use of QRIS BSI.

Mekanisme Manajemen Dana Tabarru’ pada Industri Asuransi dan Reasuransi Syariah dalam Bingkai Fatwa DSN-MUI No. 53/2006

Rizma, Indra Marzuki — Mon, 17 Feb 2025 00:00:00 +0000

Tabarru' funds are grant funds collected from participants, whereas in practice tabarru' funds can be taken back by participants. This is what creates a discrepancy between practice and sharia principles. This research uses a qualitative method in the form of a case study with a normative legal approach that refers to regulations in the form of DSN-MUI Fatwa No.53/DSN-MUI/III /2006. The results of the research show that (1) PT Asuransi Takaful Keluarga in managing tabarru' funds has implemented sharia principles, transparency in management and fulfilled its obligations as a company holding a trust. (2) PT Asuransi Takaful Keluarga in practice is in accordance with DSN-MUI Fatwa No.53/DSN-MUI/III/2006 concerning tabarru' contracts in sharia insurance and reinsurance.

Analisis Fatwa DSN-MUI No. 153/2022 terhadap Kebijakan Pelunasan Dipercepat pada Pembiayaan Murābaḥah

Syarif Hidayatullah, Mays Fithryyah Nasri — Mon, 17 Feb 2025 00:00:00 +0000

DSN-MUI Fatwa No. 153/DSN-MUI/VI/2022 regulates the repayment of Murābahah financing debt before maturity, replacing DSN-MUI Fatwa No. 23/DSN-MUI/III/2002 previously. This fatwa update was carried out to resolve disputes between sharia financial institutions (LKS) and customers and to improve the perception and reputation of LKS which was affected by the previous policy. This research method is qualitative research in the form of a case study with an empirical approach. The research results show that (1) the BPRS HIK policy in paying off Murᾱbahah financing debt before the maturity date is to provide discounts to customers who make payments before the maturity date, in accordance with 23/DSN-MUI/III/2002. (2) the policy in paying off Murᾱbahah financing debt before maturity is still not in accordance with Fatwa No. 153/DSN-MUI/VI/2022. However, it is in accordance with Fatwa no. 23/DSN-MUI/III/2002, Fatwa no. 46/DSN-MUI/II/2005 and Fatwa no. 134/DSN-MUI/II/2020.

Perspektif Fatwa DSN-MUI Terhadap Skema Akad Muḍārabah dan Skema Arisan Berhadiah pada Produk Tabungan Safari dan Simpanan Prima

Niswatin Mubarriroh, Nadiyatus Shalihah — Mon, 17 Feb 2025 00:00:00 +0000

In the DSN-MUI fatwa No.115/DSN-MUI/IX/2017 concerning muḍārabah contracts in the sixth part number 3 regarding the profit sharing ratio, it cannot be in nominal form or a percentage figure of business capital and DSN-MUI fatwa Number 86/DSN-MUI /XII/2012 concerning prizes in raising funds for Sharia Financial Institutions in the third part of the provisions relating to prizes, where promotional prizes given by Sharia Financial Institutions to customers must be in the form of goods or services, and cannot be in the form of money. This research uses qualitative methods with an empirical approach. The results of the research show that (1) Analysis of the review of Safari Savings and Prima Savings practices at Kospin Jasa Syariah Warung Buncit is in accordance with sharia principles, where in xviii the transactions use a muḍārabah contract. (2) The practice of muḍārabah contracts on safari savings and prime savings is in accordance with DSN-MUI fatwa No. 115/DSN-MUI/IX/2017 concerning muḍārabah contracts, whereas Safari Savings and Prima Savings for customers in the form of money are not in accordance with DSN-MUI fatwa No. 86/DSN-MUI/XII/2012.

Wanprestasi dan Akibat Hukum Batalnya Kontrak Prespektif Hukum Ekonomi Syariah

Fiki Fakhrina Mafazatur Rahmah, Fairuz Sabiq, Salma Naqiyya Fairuz Firaasya — Tue, 25 Feb 2025 00:00:00 +0000

Penelitian ini dengan judul tentang wanprestasi dan akibat hukum batalnya kontrak prespektif hukum ekonomi syariah. Metode penelitian yang digunakan oleh penelitian ini adalah pendekatan kualitatif dengan jenis penelitian library reseach (kepustakaan) karena dikonsepkan menggunakan Fatwa DSN MUI. Makna wanprestasi pada UU perbankan syariah adalah Wanprestasi adalah salah satu pihak yang telah melanggar suatu perjanjian dengan beberapa ketentuan yang telah dilanggar oleh pihak tersebut. Sedangkan akibat hukum batalnya kontrak adalah terdapatnya beberapa syarat tidak terpenuhi sehingga batalnya perjanjian dan tidak dapat dilanjutkan. Dengan hasil penelitian bahwa Fatwa No.43/DSN-MUI/VIII/2004 tentang Ganti Rugi (Ta’widh) menyebutkan Ganti rugi hanya boleh dikenakan atas pihak yang dengan sengaja atau kelalaian melakukan sesuatu yang menyimpang dari ketentuan akad dan menimbulkan kerugian pada pihak lain. Sedangkan akibat batalnya hukum pada pasal 1321 KUHPerdata jika tidak adanya kesepakatan yang memiliki kekuatan saat terjadi kekhilafan atau karena paksaan serta penipuan, maka dapat dikatakan dengan cacat kehendak perjanjian.