Fiqh Muamalah Research Articles

Praktik Ekonomi Lokal Masyarakat Melalui Bisnis Mangga dalam Perspektif Fikih Muamalah

This research aims to examine community economic empowerment through the mango business from the perspective of muamalah fiqh in Oro-Oro Ombo Kulon Village, Rembang District, Pasuruan Regency. Using a descriptive qualitative approach, this research identifies the economic potential of the mango business in the village and analyzes the application of muamalah fiqh principles in every aspect of the business. The research results show that Oro-Oro Ombo Kulon Village has great potential in mango cultivation and economic empowerment through this business has had a positive impact on the local community. The application of the principles of muamalah fiqh, such as justice, transparency and honesty, in the mango business also creates an ethical and sustainable business environment. This research provides recommendations for infrastructure development, training, product diversification, collaboration, and marketing strategies that can increase the effectiveness of economic empowerment through the mango business and create a business model that is in accordance with Islamic principles.

Realizing Justice and Maṣlaḥah in E-Commerce: Fiqh Muamalah Insights and Challenges in Malaysia and Indonesia

This study explores how fiqh muamalah principles can realise justice and maṣlaḥah in e-commerce practices, focusing on the understanding and behavior of consumers and producers in Malaysia and Indonesia. The research investigates how these Islamic legal principles are integrated and practised within the digital marketplace. The primary data sources include e-commerce users from Malaysia and Indonesia, specifically consumers and producers. Data were collected through in-depth interviews with various e-commerce users, including consumers and producers. The results reveal that producers generally have a higher awareness of justice and ma maṣlaḥah in e-commerce, though their application of these principles varies. Consumers' experiences are inconsistent, often influenced by their educational background and exposure to Islamic commerce teachings. Key challenges include the lack of standardized guidelines and divergent interpretations of fiqh muamalah principles. The study underscores the need for more structured education and regulatory frameworks to ensure these principles' effective and consistent integration into e-commerce practices. Recommendations include developing comprehensive training programs and establishing clear guidelines to bridge the gap between understanding and practice, thereby aligning e-commerce practices in Malaysia and Indonesia with fiqh muamalah principles.

Nilai dan Kualitas Emas Dinar pada Komunitas Magnet Rezeki Banda Aceh dalam Tinjauan Syarat Objek Jual Beli Menurut Fiqh Muamalah

Dinar Khoirur Roziqiin is a Magnet Rezeki community product. Although the quality standard of this dinar is in accordance with LBMA regulations, the existence of value and quality is still a concern among people outside Magnet Rezeki because people still doubt the quality standards. Therefore, empirical evidence is needed so that the standard and quality can be recognized by all circles and in accordance with the provisions of Fiqh Muamalah. Based on these problems, this research was conducted with the aim of examining the value and quality of dinars among Magnet Rezeki in reviewing the terms of the object of sale and purchase according to Fiqh Muamalah. This research uses qualitative methods with descriptive analysis type of research. The results of this study indicate that the value and quality of dinars Khoirur Roziqiin's are in accordance with the provisions of the terms of the object of sale and purchase in Fiqh Muamalah. The parties involved in production, certification and sale have ensured that the value and quality of this dinar is maintained. Therefore, the results of this study are expected to provide empirical information to all groups regarding the value and quality of this dinar. As a result, it’s expected to increase the trust and interest of Magnet Rezeki members and the public to invest in dinar Khoirur Roziqiin. The author suggests that the dinar Khoirur Roziqiin company carefully ensure the transparency of the value and quality of dinar. In addition, the company must conduct vigorous education to the wider community about the benefits of dinar investment.

Legality of Bitcoin in the Perspective of Fiqh Muamalah

This study investigates the legality of Bitcoin from the perspective of Fiqh Muamalah through qualitative analysis and literature review. Fiqh Muamalah, an Islamic jurisprudential framework, regulates economic transactions according to Sharia law. The research examines whether Bitcoin, as a digital currency, aligns with Islamic legal and ethical standards by analyzing scholarly articles, religious texts, and fatwas issued by Islamic scholars. Key considerations include Bitcoin's nature as a currency, its speculative role, and potential for illicit activities. Findings reveal diverse scholarly opinions, with some viewing Bitcoin as permissible under specific conditions, while others raise concerns about its speculative nature and lack of intrinsic value. This study aims to provide comprehensive insights into Bitcoin's legality within Fiqh Muamalah, offering valuable information for policymakers, financial institutions, and Muslim investors.

Sharia Economic Law Criticism on Muhammad Syahrûr’s Hudûd Theory Regarding Bank Interes

n modern economics applied by conventional financial institutions, the interest system is inseparable. Economic system based on sharia principles emerged as a solution to riba-based (usury-based) transactional activities, which in sharia economic law is in the khilafiyyah (dissent) territory amongst scholars regarding whether the conventional bank interest is riba which is prohibited by Islamic law. A figure named Muhammad Syahrûr came up and offered his theory of limits (nazhariyyah al-hudûd) in providing riba limitations in the Quran. This research aims to describe M. Syahrûr's thoughts on bank interest based on his theory of limits, and to analyze it based on the review of sharia economic law (fiqh muamalah mâliyyah). this reseach is understood as a literary study research which is a research on secondary materials. The type of data used in this research is secondary data, which is literature focusing on the thoughts of a figure, which is Muhammad Syahrûr.The result of the research shows that Muhammad Syahrûr's opininion that allows the practice of bank interest based on his theory of limits (nazhariyyah al-hudûd) is a marjûh (weak) opinion, since it is not supported by valid arguments and it also contradicts the opinions of the jumhur ulama (the majority of the scholars).

PEMBIAYAAN QARDHUL HASAN PADA PRODUK SUPER MIKRO BANK ACEH SYARIAH CABANG BANDA ACEH: STUDI FIQH MUAMALAH

This research aims to examine the implementation of the qardhul hasan contract at Bank Aceh Syariah. To obtain data, the author used a qualitative research method, with an empirical juridical approach where the main source was obtained from interviews with stakeholders. Meanwhile, secondary data was obtained from reading sources such as books, journals, articles and other sources related to this research topic. The research results show that one of the financing schemes with a qardhul hasan agreement is intended for super micro businesses, where the maximum financing amount is IDR 10,000,000.00. Super micro financing is different from other financing schemes, where the creditor does not require collateral (collateral) for the debtor. Apart from that, Bank Aceh Syariah Banda Aceh Branch with a maximum financing agreement period of 3 years. In qardhul hasan financing, the administration fee charged to the customer is 1% of the financing amount. In general, the author can conclude that this financing scheme is in accordance with DSN-MUI Fatwa No.19/DSN-MUI/IX/2001, however based on Muamalah Fiqh it is permissible because the use of non-halal fund income is one of the sources of funds in its implementation.

Muamalah Fiqh Analysis of the Use of Shopee Paylater

In the era of advancing technology, online services have become a solution to meet human needs by facilitating access to various aspects of life. One renowned online shopping platform is Shopee, Providing an extensive array of items, ranging from food and apparel to household appliances.. Shopee users are familiar with the "Pay Later" feature, or SpayLater, allowing payment for purchased items without an immediate settlement, known as a credit system with applicable terms and conditions. This research utilizes qualitative data obtained through documentation and literature studies from various sources, primarily secondary sources such as journals, articles, reports, and information related to the review of Islamic Jurisprudence (Fiqh) and fundamental principles of Fiqh Muamalah concerning credit systems in buying and selling transactions. The aim of this study is to evaluate the Fiqh Muamalah perspective on the credit system offered by Shopee through the "SPayLater" feature. The qualitative data obtained through documentation and literature studies from various secondary sources such as journals, articles, reports, and related information reveal that the use of the SPayLater credit system, from the perspective of Fiqh Muamalah, is considered permissible (mubah). This is because the contract executed during the transaction is evidently clear through the agreement made between the seller and the buyer during the execution of the offer and acceptance (ijab and qabul), along with the agreed-upon additional fees for deferment in the SPayLater credit system. However, the research also highlights that the use of SPayLater becomes impermissible (haram) when it involves the element of interest that must be paid by the buyer if not settled within the specified timeframe. In this case, SPayLater users are subject to a 5% interest charge on the total bill, conflicting with the fundamental principles of Fiqh Muamalah. Thus, although SPayLater may be acceptable in terms of the contract and agreement, the presence of interest in the payment system can be controversial from the perspective of Fiqh Muamalah, as this practice is considered usury, which is prohibited in Islam.

Tradisi Maddoja Bine Dalam Peningkatan Kualitas Padi Terhadap Jual Beli Gabah Perpektif Fiqih Muamalah (Studi Kasus di Takkalasi Kabupaten Barru)

The Maddoja Bine tradition is a longstanding customary practice among the people of Takkalasi, Barru Regency. This tradition, observed by the community, aims to enhance both the production and quality of rice in the context of buying and selling paddy from the perspective of Fiqh Muamalah. Employing a qualitative, descriptive approach, this study conducts an in-depth exploration encompassing all aspects of the field research method, specifically field research. Data collection involves comprehensive interviews, observations, and documentation. The research findings conclude that the Maddoja Bine practice, conducted by the people of Takkalasi once a year during the arrival of the rainy season, is a deeply rooted tradition passed down through generations or from one's ancestors. Some members of the community believe that the Maddoja Bine tradition can increase crop yields and improve rice quality compared to when the tradition is not observed. From the perspective of Fiqh Muamalah, the practice of the Maddoja Bine tradition resulting in high-quality yields enables farmers to reap profits that can recover their investments, as the quality harvests can increase the price of paddy. To avoid transactions prohibited by religious teachings, both parties must adhere to the pillars, conditions, and ethics of trade.

Predatory Pricing in Buying and Selling Imported Products in E-Commerce According to the Perspective of Business Competition Law and Muamalah Fiqh

Predatory Pricing in Buying and Selling Imported Products in E-Commerce According to the Perspective of Business Competition Law and Muamalah Fiqh

Improving Literacy of Fiqh Muamalah and Islamic Economics Through Community-Based Research Method

This KKNT was held in the month of Ramadhan 1445 H on 16-30 May 2024 in collaboration with the management of Al Istiqamah Mosque (BKM) in the BDSN complex Tangga Batu 1 Village, Kec. Permaksian, Kab. Toba, North Sumatra. Based on prior observation, research, and interviews, several problems were identified namely the lack of literacy in fiqh muamalat knowledge and the lack of teachers who teach children the subject of Arabic language, tahsin and tahfidh and the Koran. These problems need to be resolved by conducting programs. The method used was community-based research (CBR). The result of this community service shows that the number of communities who attended the sermons was still below expectations while the participation and enthusiasm of children in the subjects of Arabic language, tahsin and tahfidh, and the Koran was very high. This community service is expected to enhance the community literacy of fiqh muamalah and Islamic Economics. It is suggested that community awareness in learning religious knowledge must be improved to increase their participation.

PERJANJIAN HUTANG ANTARA PETANI DAN PENGEPUL HASIL PANEN KOPI DI DESA KEMBAHANG LAMA KABUPATEN EMPAT LAWANG DITINJAU DARI FIQH MUAMALAH

This thesis is entitled Debt Agreements Between Farmers and Collectors of Coffee Harvests in Kembahang Lama Village, Empat Lawang Regency. This thesis answers two questions; First, the form of a debt agreement between farmers and coffee harvesters in Kembahang Lama Village, Talang Padang District, Empat Lawang Regency. Second, namely the Fiqh Muamalah review of the debt agreement between farmers and collectors of coffee harvests in Kembahang Lama Village, Talang Padang District, Empat Lawang Regency. The research used in this research is field research. Sources of data used are primary data sources (obtained through direct observation and interviews with informants) and secondary data sources (obtained through literature on motor vehicle tax, either in the form of books, journals or websites). The result of the discussion is that the Debt Agreement between Farmers and Collectors of Coffee Harvests in Kembahang Lama Village, Empat Lawang Regency is not allowed because there is one condition that is violated, namely the sighat condition.

Analisa Etika Bisnis Islam Terhadap Praktek Sewa Menyewa Kamar Kost

In general, renting out boarding rooms is a component of the corporate world, which is expanding significantly across all industries. The purpose of this study is to ascertain the regularity of boarding room rentals. Find out how muamalah fiqh analysis relates to the practice of renting daily boarding rooms in Mekar Baru Village, Kota Kisaran Barat District, Asahan Regency is the formulation used in this research. In addition, a review of muamalah fiqh regarding the practice of renting boarding rooms that are still in the first party tenancy period in Mekar Baru Village, Kisaran City District, and a problem formulation regarding the status of boarding room utilization factors during the rental period in Kota Kisaran Barat District, Asahan Regency are addressed in this research Asahan Regency, West.All data or references that have been collected are analyzed and rearranged, and in this case, rental practice uses a descriptive analytical approach. The study's findings suggest that it is against Islamic law and the terms of the ijarah contract for certain locations in Mekar Baru Village, Kota Kisaran Barat District, Asahan Regency, to rent out boarding rooms to outside parties. Practices that take place between the owner and the third-party tenant, or second tenant, do not adhere to the principles, requirements, or aspects of ijarah. Since the original renter still has the right to rent the room, the owner of the boarding room rental should pay the first tenant after being open and honest with them about any transactions they do with other parties.

Tinjauan Fikih Muamalah Terhadap Penambahan Kode Unik Transfer di crowdfunding Kitabisa.Com

Increased cooperation and humanitarian spirit in Indonesia, supported by technological advances, has encouraged innovation in charitable activities. Kitabisa.com, a fast-growing crowdfunding platform, facilitates online donations with various payment methods, one of which is the bank transfer method. In this method, donors are required to add a unique code for automatic verification. This research aims to determine the muamalah jurisprudence review of the practice of adding a unique code at the end of payment transfers in Kitabisa. This type of research uses a qualitative descriptive method, using a literature review. Data for this research was obtained through the Kitabisa website, as well as through interviews with muamalah fiqh experts. The result of this research is that the use of unique codes on crowdfunding platforms such as Kitabisa.com is in accordance with sharia principles, namely grant contracts, because the main contract is tabarru' or social contract, so adding a unique code is considered a form of grant or voluntary contribution from the donor for the purpose of social.

Analisis Kerjasama Peternakan Kambing Dengan Sistem Paruhan Di Desa Harimau Tandang Dalam Perspektif Fikih Muamalah

This research aims to determine the suitability of Muamalah Fiqh for Goat Farming cooperation: in accordance with the muamalah fiqh perspective, fulfilling the pillars and conditions and avoiding transactions that are prohibited by sharia. The descriptive qualitative research method uses field methods. Data collection techniques include observation and interviews. From this research it can be concluded that the contract used in part-time cooperation is the Mudharabah contract. This cooperation “paroan” in Harimau Tandang Village has fulfilled the Mudharabah pillars, but it has not fulfilled the requirements for each Mudharabah pillar.

Tinjauan Fikih Muamalah Terhadap Praktik Jual Beli Rumput Laut di Desa Lontar

This research aims to find out and review how muamalah jurisprudence applies to the practice of buying and selling seaweed in Lontar Village, Tirtayasa District, Serang Regency. The type of research carried out by the author is field research and uses a qualitative approach, while the data collection techniques used are interviews, observation and documentation. The research results show that the contract used in buying and selling seaweed in Lontar Village is included in the Salam contract. In terms of harmony and conditions, it is in accordance with the form of buying and selling greetings. After analyzing from the perspective of the Muamalah Fiqh Review, the practice of buying and selling seaweed in Lontar village does not meet the terms and conditions of the salam contract, due to the inconsistency of the goods and delays in the time when the goods are given, this is caused by technical factors (weather) that cannot be predicted, So there is no element of intent in it, and both parties are mutually happy in responding to this problem, so that buying and selling seaweed in the Lontar village is legal. Because buying and selling is valid when both parties are mutually happy and willing

ANALISIS KEABSAHAN TRANSAKSI JUAL BELI DENGAN SISTEM CASH ON DELIVERY MENURUT HUKUM EKONOMI SYARIAH

This article aims to analyze the validity of buying and selling transactions with the Cash on Delivery (COD) system according to the perspective of khiyar 'aib. The research method uses qualitative research, which is a type of juridical approach where data is obtained from primary materials in the form of laws and fiqh books. The results of this study conclude that one of the risks in buying and selling transactions with the COD system is the incompatibility of the goods delivered or the goods are damaged. Therefore, the importance of khiyar rights in buying and selling transactions, especially khiyar 'aib. According to the review of muamalah fiqh, it can be concluded that the sale and purchase transaction with the COD system is valid because it has fulfilled the pillars and conditions of sale and purchase and with the enactment of khiyar in the transaction. With the existence of khiyar 'aib in buying and selling transactions, it can minimize the occurrence of losses to one of the parties.

The phenomenon of the rise of online transactions: A case study Tokopedia.com and Bukalapak.com sharia perspective

This present research seeks to determine the performance of dropshipper on Bukalapak.com and Tokopedia.com sites viewed from the sharia perspective. This research deployed the qualitative method using the fiqh muamalah point of view. The approach was selected to enable the researchers to investigate dropshipper behavior and the case from Islamic law. The results of this research show that the existence of Tokopedia.com and Bukalapak.com is very obliging as it eases the way people carry out transactions, provides security in online transactions, and dropshipping model used by the two platforms is a solution for those who want to open a business with less capital. However, the dropshipper must also understand the types of transaction models to avoid the prohibited transaction. Items sold through the system must not change either in size, shape, or nature, and the dropshipper must be a guarantor when complaints arose. If all criteria are fulfilled, the business system is deemed relevant and appropriate to develop viewed from sharia perspective.

Pemetaan Model Penerapan Murabahah Di Perbankan Syariah: Analisis Terhadap Konsistensi Fiqih Muamalah Dan Implikasi Akad Wakalah

This study investigates the model of implementing murabahah contracts in Islamic financial institutions, focusing on consistency with the principles of muamalah fiqh and the implications of wakalah contracts. The research method used is descriptive and qualitative analysis of various legal documents, sharia literature, and field practices in Islamic banking. The results of this research show that there are three models of murabahah application in the Islamic banking industry. The first model followed muamalah fiqh consistently. The second model is almost similar to the first model, but there are differences related to direct ownership of goods from suppliers to customers and payments made directly by banks to sellers. While the third model involves customers in a Murabahah contract with the bank, while customers also make a wakalah contract to buy their own goods. The third model is currently widely discussed because the Murabahah contract is carried out without ownership of goods by the bank, even though ownership itself is a legal condition of murabahah according to DSN-MUI. In this finding, the murabahah contract and the wakalah contract are carried out simultaneously without the goods belonging to the bank first.

Analisis Akad Salam (PSAK Syariah 103) Pada Transaksi Jual Beli Online

From an Islamic perspective, the number of online transactions that fall under the heading of fiqh muamalah niaga or buying and selling is rapidly increasing. Islam has laws that apply to both buyers and sellers in buying and selling transactions. The purpose of this study is to examine the basic elements and requirements for implementing a greeting contract in online buying and selling transactions that comply with the Statement of Islamic Financial Accounting Standards PSAK Syariah 103. The research was conducted using qualitative methods and case study methods were conducted in the Online Store. The informants of this research are traders and consumers. The results showed that sellers generally know the pillars and conditions of buying and selling online in an Islamic perspective. Akad Salam has been carried out by business people with the term pre-order, business people do not know and apply PSAK Syariah 103. Research results can be useful for entrepreneurs, academics as well as government agencies and the community.

Pengawasan Rutin oleh Praktisi Akuntansi terhadap Bank Berbasis Syariah

Sharia audit in Islamic banks aims to verify the compliance of these banks with Sharia principles and good governance. Sharia auditors need to have a comprehensive understanding of Sharia principles and relevant Sharia audit standards. They are required to collect sufficient and relevant evidence to support their audit conclusions, evaluate the collected evidence to ensure the compliance of Islamic banks with Sharia principles and good governance, and communicate the audit results to stakeholders. The implementation of Sharia audit standards in Islamic banks involves selecting adequate Sharia auditors, careful planning of Sharia audits, meticulous execution of Sharia audits, clear and transparent reporting of Sharia audit results, and effective follow-up on Sharia audit results. Competencies required by Sharia auditors include knowledge of Islamic law, fiqh muamalah, skills in accounting and auditing, and special characteristics as Sharia auditors.