Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah

TINJAUAN HUKUM ISLAM TERHADAP PENUKARAN POINT DENGAN UANG PADA APLIKASI TIK-TOK PERSPEKTIF AKAD MUAMALAH

Muhammad Shobirin — 2024-06-30

This study discusses an overview of Islamic law on exchanging points for money in the Tik-Tok application from the perspective of a muamalah contract. This research method is a type of case study which is included in qualitative research. The author in this study is descriptive where most of the data used comes from interviews, observations in the form of sentences or narratives. From the results of this study, it says that exchanging points for money on the Tik-Tok application is a job/mission where users must complete the work to get rewards from tiktok such as: inviting new users, watching videos, uploading videos, live streaming and tiktok affiliates. Gifts or wages are permitted in Islam if there is no other purpose or purpose except for good intentions.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT UMKM MUSLIM MENGGUNAKAN QUICK RESPONSE CODE INDONESIA STANDARD (QRIS) DI KELURAHAN PAGAR DEWA KOTA BENGKULU

Denny Riyanto — 2024-06-30

Bank Indonesia (BI) launched a Quick Response (QR) standard for payments through server-based electronic money applications, digital wallets, or mobile banking. Quick Response Code Indonesian Standard is a unification of various types of QR from various Payment System Service Providers (PJSP) using QR Code developed by Bank Indonesia and the Indonesian Payment System Association which aims to integrate all cashless payment methods in Indonesia. In the era of digit trends the growing number of merchants switched to non-cash payment systems. The purpose of this study is to determine the factors that influence the use of QRIS for MSMEs in the city of Bengkulu, to analyze the benefits and facilities of the interest of MSME users in the city of Bengkulu.

KESADARAN HUKUM PELAKU USAHA MIKRO DAN KECIL (UMK) PRODUK MAKANAN DALAM MELAKSANAKAN SERTIFIKASI HALAL MELALUI SELF DECLARE PERSPEKTIF HUKUM ISLAM DI DESA SEDAU KECAMATAN NARMADA KABUPATEN LOMBOK

Ulfa Unisara — 2024-06-30

This journal is motivated by the large number of business actors in Sedau Village who sell processed products but have not received halal certification. Halal certification through self-declare is recognition of the halalness of a product for micro and small business actors based on statements by business actors regarding the halal status of products based on the conditions set by BPJPH with the requirement that business actors have a companion who has been registered to undergo the halal product process and the determination process halal by the MUI fatwa commission. Halal certification is regulated in Law Number 33 of 2014 concerning Guarantees for Halal Products in article 4 which states that every product that enters, circulates and is traded in the territory of Indonesia must be halal certified. The discussion in this journal is (1) What are the factors that cause a lack of legal awareness of micro and small business actors in carrying out halal certification through self-declaring? (2) What is the review of Islamic law on the legal awareness of micro and small business actors in carrying out halal certification through self-declare?.

ANALISIS FATWA DEWAN SYARIAH NASIONAL MAJELIS ULAMA INDONESIA NO: 141/DSN-MUI/VIII/2021TENTANG PEDOMAN PENDIRIAN DAN OPERASIONAL KOPERASI SYARIAH

Desti Rainawati — 2024-06-30

Cooperatives according to the Fatwa of the National Sharia Council-Indonesian Ulema Council, NO: 141/DSN-MUI/VIII/2021 concerning guidelines for the establishment and operation of sharia cooperatives, sharia cooperatives are business entities consisting of one person or a cooperative legal entity that bases its activities on cooperative principles as well as as a people's economic movement based on the principle of kinship based on sharia principles. This research will try to examine the background of the Fatwa of the National Sharia Council-Indonesian Ulema Council, No: 141/DSN-MUI/VIII/2021 concerning Guidelines for the Establishment and Operation of Sharia Cooperatives and try to see the ijtihad method used by the MUI using the nash qathi, qawli and manhaji approaches. Analyzing the background of the fatwa here uses the concept of maslahah murlah to determine the benefits of determining the fatwa. Based on the research results, it was found that the background in making the fatwa was to try to provide an answer to the legal certainty of sharia cooperatives in response to the request from the Ministry of Cooperatives and SMEs and to emphasize that existing sharia cooperative businesses are in accordance with the provisions of Islamic law.

THE ROLE OF THE ZAKAT MANAGEMENT ORGANIZATION (ZMO) IN RESTORING THE CONDITION OF POST-DISASTER VILLAGES IN NORTH LOMBOK REGENCY

Syahrul Hanafi — 2024-06-30

The earthquake that occurred in NTB province resulted in many deaths, refugees, and damaged buildings. The earthquake disaster also damaged the community's economic, social, and educational conditions. One of the areas most severely affected by the earthquake was North Lombok Regency (KLU). Many non-governmental organizations, including zakat management organizations (ZMO), have participated in distributing aid and restoring the condition of villages in KLU. This study aims to determine the role of ZMO in restoring the condition of villages in KLU. This research is qualitative research with a descriptive approach. The results of the study found that: ZMO began to distribute disaster assistance in KLU during the phase when the disaster occurred, starting from steps 1) rescue and search for victims; 2) evacuation of victims. Then in the post-disaster phase, starting from steps 1) donations and services, 2) consolidation and 3) reconstruction and rehabilitation. The last phase carried out by ZMO is the pre-disaster phase, where the steps taken are disaster preparedness.

PEMBENTUKAN PERATURAN DAERAH BERBASIS SYARIAH PERSPEKTIF OTONOMI DAERAH DAN HUKUM NASIONAL INDONESIA

Gazali Gazali — 2024-06-30

This research aims to determine the formation of Sharia-based regional regulations in the era of regional autonomy, as well as to find out how the formation of Sharia-based regional regulations is based on Indonesian national law. The research method used is normative or doctrinal research in that the law is conceptualized as what is written in statutory regulations (law in books) or the law is conceptualized as a rule or norm which is a benchmark for human behavior that is considered appropriate. The results of the research found that after the implementation of regional autonomy which was marked by the enactment of Law Number 22 of 1999 replaced by Law Number 32 of 2004 which was also replaced by Law Number 23 of 2014 concerning Regional Government, every Provincial and Regency/City region had very large authority to regulate and manage the region by the characteristics or characteristics of each region. The opportunities provided by the regional autonomy policy are interpreted differently by each region. One of the translations used is to create various Sharia-based Regional Regulations. As well as the formation of Sharia-based regional Regulations is a mandate of applicable laws and regulations, this is confirmed in Article 237 paragraph (2) of Law Number 23 of 2014 concerning Regional Government which states that the stages of forming regional regulations are through planning, drafting, discussing, determination, promulgation. The formation of Sharia-Based Regional Regulations is part of the Indonesian national legal system because the Indonesian national legal system consists of the customary law system, the Islamic legal system which includes (Shariah-Based Regional Regulations), the Western legal system, and the international legal system.

DAMPAK COVID-19 TERHADAP PEMBIAYAAN BERMASALAH NASABAH DI BTN SYARIAH KCPS PANAKUKANG PADA TAHUN 2020

Akram Ista — 2024-06-30

This study aims to determine the impact of Covid-19 on customer financing and to determine the impact of Covid-19 on banks, in this case BTN Syariah KCPS Pannakukang. This research is a qualitativeresearch conducted descriptively. The results of this study indicate that first, From the customer's perspective, namely the Covid-19 pandemic has greatly affected the customer's business merchandise sales, reduced and decreased income makes customers object to paying installments of financing, income during this pandemic is only to cover installment costs. the impact of this pandemic has made customers look for other income to meet their needs. Used to pay installments and basic daily needs. customers in terms of covering installments are half dead in looking for income to cover installment deposits.Second,From the perspective of the bank itself, namely BTN Syariah KCPS Panakukang, it has experienced a decrease in the level of community participation as an intermediary institution, the presence of Covid 19 has had an effect on turmoil in terms of views for leaders and employees regarding the best solution or solution that can be given to BTN KCPS Panakukang customers, the impact the Covid-19 pandemic for BTN Syariah KCPS Panakukang itself, namely issuing a special policy for BTN Syariah KCPS Panakukang customers.