Jurnal Syariah dan Ekonomi Islam (JSEI) adalah jurnal double blind peer-reviewed yang diterbitkan oleh Fakultas Syariah dan Ekonomi Islam (FSEI) Institut Agama Islam (IAI) Almuslim Aceh, Indonesia. Jurnal ini merupakan media yang menyajikan penelitian dan pengembangan serta pemikiran-pemikiran yang fokus di bidang syariah dan ekonomi Islam baik dalam ruang lingkup studi kepustakaan terkait hukum keluarga, perbankan syariah dan ekonomi syariah. Penulis harus mendaftar ke jurnal ini sebelum mengirimkan karya mereka dan penulis harus mengikuti pedoman Penulisan Jurnal. Naskah yang tidak mengikuti pedoman yang diberikan akan DITOLAK. JSEI pertama dirilis ke publik pada Juni 2023. JSEI terbit setiap dua kali dalam setahun, yaitu pada bulan Juni dan Desember dengan nomor ISSN 3046-9589 (elektronik) dan 3046-9597 (cetak). JSEI merupakan bagian dari Rumah Jurnal Institut Agama Islam Almuslim Aceh.
FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM
PEMAHAMAN TENTANG TEMATIK HADIS NABI MUHAMMAD SAW YANG BERKAITAN DENGAN HUKUM KELUARGA
Hadith is the second primary source of Islamic law after the Qur'an and plays a significant role in explaining various aspects of life, including family law. This study aims to examine the development of Hadith from the era of Prophet Muhammad (peace be upon him) to the period of the Rightly Guided Caliphs (Khulafa al-Rashidin) and to analyze thematic Hadiths related to Islamic family law. This research employs a library research method using a descriptive-analytical approach based on Hadith literature, classical commentaries, and relevant academic sources. The findings reveal that the compilation and transmission of Hadith developed gradually, beginning during the Prophet’s lifetime and continuing through the efforts of the Companions, who exercised great caution in preserving the authenticity of Hadith. The thematic Hadith (maudhu’i) approach serves as an effective method for understanding Hadith by collecting and examining all narrations related to a specific topic. In the field of family law, the Prophet’s Hadiths provide comprehensive guidance regarding the rights and obligations of spouses, the protection of women, and the criteria for selecting a marriage partner. The Hadith prohibiting harsh treatment toward wives demonstrates Islam’s commitment to protecting women's dignity and rejecting domestic violence. Meanwhile, the Hadith encouraging Muslims to prioritize religious commitment when choosing a spouse emphasizes the importance of faith and piety as the primary foundation for establishing a harmonious, loving, and compassionate family (sakinah, mawaddah, wa rahmah). Therefore, thematic Hadiths on family law remain highly relevant in addressing contemporary family issues and serve as moral and normative foundations for strengthening Islamic family resilience.
Copyright (c) 2026 Muhammad Yusuf Yahya https://creativecommons.org/licenses/by/4.0
KONSEP HARGA DAN MEKANISME PASARDALAM PERSPEKTIF IBNU TAIMIYAH
This study examines the concept of price and market mechanism in the thought of Ibn Taymiyyah and evaluates its relevance to contemporary issues in Islamic economics. The research adopts a qualitative library-based method using a descriptive-analytical approach within a historical-contextual framework. Primary sources consist of Ibn Taymiyyah’s major works, while secondary sources are drawn from recent scholarly literature addressing fair pricing, market mechanisms, state intervention, monopoly, hoarding, and transaction ethics. The findings indicate that, according to Ibn Taymiyyah, prices are fundamentally formed through the natural interaction of supply and demand; therefore, price fluctuations should not automatically be regarded as a form of injustice. Nevertheless, market mechanisms must operate within a moral framework grounded in honesty, transparency, justice, and the prohibition of manipulation. The state is not justified in imposing prices arbitrarily, yet it retains legitimate authority to intervene when market distortions occur, such as monopoly, hoarding, fraud, and market domination that undermine public welfare. In this regard, Ibn Taymiyyah’s thought reflects a synthesis of market freedom, the ethics of muamalah, and state supervision aimed at promoting economic justice and the public good.
Copyright (c) 2026 Ashhabul Kahfi https://creativecommons.org/licenses/by/4.0
TRANSFORMASI PARADIGMA EKONOMI: ANALISIS KOMPARATIF KAPITALISME DAN EKONOMI SYARIAH DALAM MEWUJUDKAN EKONOMI BERKEADILAN
The capitalist economic system, which emphasizes individual freedom and unlimited capital accumulation, often generates structural problems such as unequal wealth distribution, resource exploitation, and the marginalization of vulnerable groups. These conditions indicate market failures in achieving social justice and collective welfare. This study aims to comparatively analyze the capitalist economic system and Islamic economics within the framework of attaining economic justice. The research employs a qualitative descriptive approach based on an extensive literature review, analyzing both classical and contemporary sources relevant to the two economic paradigms. The findings reveal that Islamic economics offers a more holistic alternative by integrating moral, social, and spiritual values into economic activities. Islamic instruments such as zakat, infaq, sadaqah, waqf, and the prohibition of riba function as mechanisms for wealth redistribution and the reduction of social inequality. The concept of economic justice in the Islamic perspective is not solely oriented toward economic growth but also emphasizes equity, sustainability, and comprehensive social welfare, ultimately aiming to achieve prosperity and well-being (falah).
Capitalism, Sharia Economics, Economic Justice, Wealth Distribution.
Copyright (c) 2026 Aniq Khoridah https://creativecommons.org/licenses/by/4.0
MANAJEMEN PORTOFOLIO SAHAM SYARIAH: STRATEGI OPTIMALISASI INVESTASI BERBASIS PRINSIP SYARIAH
This research examines the management of Islamic stock portfolios as an alternative investment that combines Islamic Sharia principles with modern portfolio theory. The research aims to analyze the concept, strategies, and implementation of Islamic stock portfolio management in Indonesia. This study uses a qualitative approach with library research methods and content analysis of literature, regulations, and documents related to the Islamic capital market. Data were collected from secondary sources including books, scientific journals, reports from the Financial Services Authority (OJK), fatwas from the National Sharia Council - Indonesian Ulema Council (DSN-MUI), and documents from the Indonesia Stock Exchange (IDX). The results of the study indicate that Islamic stock portfolio management has unique characteristics that distinguish it from conventional portfolios, namely the existence of a sharia screening process, the prohibition of riba, gharar, and maysir, and an orientation towards the halal sector. Diversification, rebalancing, and performance evaluation strategies based on sharia indices such as the Jakarta Islamic Index (JII) and the Indonesia Sharia Stock Index (ISSI) are key to portfolio optimization. This research concludes that Islamic stock portfolio management can provide competitive returns while maintaining compliance with sharia principles, making it a sustainable and ethical investment choice for Muslim investors.
Copyright (c) 2026 Erni Syufitri https://creativecommons.org/licenses/by/4.0
DAMPAK PANDEMI EKONOMI COVID-19 PADA PASAR MODAL
The Covid-19 pandemic has had a profound impact on global and national economies, including the Islamic capital market in Indonesia. This study analyzes the effects of the pandemic on the Islamic stock market by examining key indices such as the Jakarta Islamic Index (JII) and the Indonesia Sharia Stock Index (ISSI), as well as Islamic financial instruments like sukuk and sharia mutual funds. Using a qualitative approach with document analysis method, this research systematically examines official reports from the Indonesia Stock Exchange, regulations from the Financial Services Authority (OJK), and relevant scientific publications to understand the pandemic's impact comprehensively. The findings reveal that the pandemic triggered significant volatility in stock prices, trading volume, and market liquidity, with JII reaching its lowest point at 476.39 points in March 2020. However, Islamic capital markets showed relatively greater resilience compared to conventional markets, with lower decline rates in market capitalization (22.4%) and performance (16.3%) compared to conventional markets. This resilience stems from adherence to sharia principles that prohibit excessive speculation and interest-based transactions. The research highlights the stability of sukuk and sharia mutual funds amid the crisis and the growing interest from investors in ethical and halal investment options during uncertain economic times. This research provides insights into the risk management and sustainability of Islamic finance during global economic shocks and offers recommendations for market participants and regulators to strengthen the resilience and growth of the Islamic capital market.
Copyright (c) 2026 Pakihatun, Pocut Ainiah, Juwanda https://creativecommons.org/licenses/by/4.0
TINJAUAN FIKIH MUAMALAH TERHADAP PRAKTIK LIVE SELLING DENGAN SISTEM FLASH SALE: MITIGASI UNSUR GHARAR DALAM DESKRIPSI PRODUK
The development of digital technology has created new ways of conducting economic transactions, such as direct selling, flash sales, and online shopping through e-commerce sites. This convenience can make buying and selling more active, but it can also create uncertainty in transactions. This study aims to analyze direct selling using a flash sales system according to Islamic law. The method used is to examine various studies on muamalah jurisprudence, direct selling, flash sales, and online transactions. The results indicate that the practice is permissible as long as it adheres to the principles of honesty, openness, clarity of the transaction object, and agreement between the seller and buyer. However, uncertainty can arise if product information or transaction rules are not clearly explained. Therefore, it is important to provide complete and honest product descriptions to ensure transactions comply with Islamic law.
Copyright (c) 2026 Nor Khaliza https://creativecommons.org/licenses/by/4.0
TINJAUAN MAFSADAH MASLAHAH TERHADAP PERNIKAHAN USIA DINI KARENA PAKSAAN ORANG TUA DI KECAMATAN PEUSANGAN KABUPATEN BIREUEN
Islam as a guideline for human life to achieve true happiness, both worldly and hereafter happiness. In the Qur'an it is stated that, marriage is happiness (sakinah). From marriage it is expected to get offspring, tranquility and peace. Early marriage that has occurred lately because it usually leads to disobedience and adultery whose victims are mostly young people. Pros and cons have emerged against early marriage, some support it and some reject it. This study aims: 1) to find out the implementation of early marriage in Peusangan District, Bireuen Regency, (2) to find out the Islamic legal review of early marriage in Peusangan District, Bireuen Regency. This study is a field study using a qualitative approach, implemented in Peusangan District, Bireuen Regency. Data collection techniques through interviews, observation and documentation. Data analysis techniques are carried out through data reduction, data presentation and data verification. The results of the study indicate that early marriage in Peusangan District is due to economic factors, dating factors, mutual liking factors, and family customs factors that have become habits. However, households that marry at an early age are less harmonious and happy, because there are often household disputes and quarrels. A review of Islamic law on early marriage in Peusangan District, Regency, according to Islamic law, the opinion of religious leaders is valid, the most important thing is that the marriage meets the requirements and pillars of marriage. However, on the other hand, we must also look at the benefit side.
Copyright (c) 2025 Azhari https://creativecommons.org/licenses/by/4.0
Marriage in Islam is not merely a bond between two individuals; it is a concept that embraces religious, moral, and social values. As one of the pillars of Islam, marriage holds wisdom and broader objectives, teaching believers to appreciate Allah's wisdom in creating life partners who complement each other. From the perspective of Islamic law, marriage is implemented as the tradition of Prophet Muhammad, providing a moral and spiritual foundation for the Islamic community. The ijab-qabul process is a key element, with a deep understanding of the rights and responsibilities of both spouses.Islamic marriage involves the family, with the approval of a guardian indicating familial support. Islamic law details the rights and duties of spouses, establishing the foundation for a balanced relationship. It also serves to prevent adultery, safeguarding society from moral decay. While Islam values marriage, it also provides detailed procedures for divorce. This process is considered a last resort requiring careful consideration and fairness. Marriage in Islam extends beyond worldly life, aiming to bring individuals closer to Allah in the hereafter.The research methodology employs a normative approach, referencing Islamic legal literature. Fundamental concepts of marriage, the pillars of nikah, and the wisdom of marriage are the primary focus of the discussion. From the perspective of Islamic law, marriage creates a robust foundation for building relationships that are balanced, just, and blessed
Copyright (c) 2024 Muhammad Sidqi, Muhammad Aulia Rizki, https://creativecommons.org/licenses/by/4.0/
ANALISIS MANAJEMEN RISIKO PEMBIAYAAN: FAKTOR PENYEBAB DAN STRATEGI PENANGANAN NASABAH BERMASALAH PADA BANK SYARIAH INDONESIA KCP SURABAYA PELINDO PLACE
This study aims to analyze in depth the implementation of risk management in handling problematic customers at Bank Syariah Indonesia (BSI) KCP Surabaya Pelindo Place. This research uses a qualitative descriptive approach with data collection techniques including interviews, observations, and documentation. The results show that risk management has been implemented through systematic stages: risk identification, measurement, monitoring, and control. Problematic financing is addressed through restructuring strategies such as rescheduling, reconditioning, and restructuring. However, the effectiveness is influenced by internal factors such as customer behavior and external factors such as economic conditions. Strengthening risk mitigation and customer literacy is necessary to improve financing quality.
Copyright (c) 2026 Alda Salsabillah, adinda shafira, Nadya Amelia https://creativecommons.org/licenses/by/4.0
JURNAL ANALISIS NILAI TUKAR MATA UANG TERHADAP MINAT INVESTASI DI INDONESIA
The exchange rate plays a crucial role in influencing investment interest in developing countries such as Indonesia. Exchange rate volatility affects investor confidence, capital inflows, and both real and financial sector investment decisions. This research aims to analyze how currency fluctuations impact investment interest in Indonesia, focusing on macroeconomic interrelations and investor behavioral responses. The method applied is descriptive qualitative, using secondary data derived from journal publications between 2020–2025. The findings indicate that currency depreciation tends to reduce investment interest due to increased uncertainty and asset devaluation. Conversely, stable exchange rates strengthen investment growth by enhancing investor confidence and reducing perceived risk. Therefore, exchange rate stability is essential to maintaining and increasing investment attractiveness in Indonesia.
Copyright (c) 2025 Fahirah https://creativecommons.org/licenses/by/4.0
Penelitian ini bertujuan untuk mengkaji peran filsafat ilmu dalam pengembangan ekonomi Islam sebagai disiplin ilmu sosial yang bernilai dan berorientasi pada keadilan. Kajian ini menonjolkan aspek ontologis, epistemologis, dan aksiologis ekonomi Islam serta relevansinya dalam menjawab tantangan ekonomi kontemporer. Metode penelitian yang digunakan adalah penelitian perpustakaan dengan pendekatan kualitatif melalui analisis kritis terhadap literatur klasik dan kontemporer yang membahas filsafat ilmu dan ekonomi Islam. Hasil penelitian menunjukkan bahwa filsafat ilmu memiliki peran fundamental dalam memperkuat landasan teori ekonomi Islam, menjaga integrasi antara wahyu, akal, dan realitas empiris, serta menegaskan nilai-nilai mendasar seperti keadilan, kemaslahatan, dan kesejahteraan holistik (falāḥ). Penelitian ini berkontribusi pada pengembangan ilmu pendidikan ekonomi Islam dengan memberikan kerangka konseptual yang kritis dan reflektif bagi pembelajaran dan pengembangan keilmuan ekonomi Islam yang tidak bersifat dogmatis, tetapi ilmiah dan transformatif.
Copyright (c) 2025 Nanda Setia, Aidil Novia (Author) https://creativecommons.org/licenses/by/4.0
ANALISIS PERSEPSI INVESTOR MUSLIM TERHADAP SAHAM SYARIAH
This study aims to analyze the factors influencing Islamic investment decisions in Indonesia. A quantitative approach with descriptive and explanatory methods was applied to objectively measure relationships between variables. Data were collected through online questionnaires distributed to individuals who have invested or are interested in Islamic financial instruments. The findings show that Muslim investors’ behavior is influenced by ethical values, religiosity, motivation, and investment patterns. Moreover, return and risk are the main considerations in making investment decisions. Trust in Islamic financial institutions and financial literacy also play significant roles in shaping investors’ confidence and interest in Sharia-compliant products. These findings are expected to contribute to the development of a more inclusive, sustainable, and Sharia-based Islamic capital market.
Copyright (c) 2025 Ardiansyah https://creativecommons.org/licenses/by/4.0
PENGARUH FAKTOR EKSTERNAL TERHADAP PASAR MODAL ISLAM
The Islamic capital market in Indonesia has experienced significant development through regulatory strengthening, the expansion of sharia indices, and increasing investor participation. However, the performance of the Islamic capital market is not determined solely by internal factors, but is also influenced by external factors such as macroeconomic conditions, regulatory policies, technological advancements, socio-religious dynamics, and global economic shocks. This study employs a quantitative approach using time series regression and multiple linear regression methods. The article examines the influence of these external factors through a literature review and analysis of studies published between 2001 and 2020. The findings indicate that interest rates, inflation, exchange rates, and monetary policies have significant impacts on sharia stock indices such as ISSI and JII. Meanwhile, digitalization and the growing preference for value-based investment have strengthened the investor base of the Islamic capital market.
Copyright (c) 2025 Rica Fadhiliah, Junaidi https://creativecommons.org/licenses/by/4.0
ANALISIS FATWA DSN- MUI TERHADAP INOVASI PRODUK DI LEMBAGA KEUANGAN SYARIAH
This study aims to analyze the role of the National Sharia Board of the Indonesian Ulema Council (DSN-MUI) in responding to Islamic financial product innovations through the issuance of fatwas. With the rapid development of the Islamic finance industry in Indonesia, adaptive sharia regulations for contemporary financial product innovations are needed. This research uses a descriptive qualitative method with a documentation study approach to DSN-MUI fatwas related to Islamic financial innovation products from 2010-2023. The results show that DSN-MUI has issued various fatwas regulating innovative products such as multi-service financing, Islamic credit cards, project-based Islamic bonds, and digital products such as Islamic electronic money. The DSN-MUI fatwa determination process uses istinbath methods including the Qur'an, hadith, ijma, qiyas, and the principles of fiqh mu'amalah. This study concludes that DSN-MUI fatwas play a significant role as a sharia legal basis for financial product innovation, maintaining sharia compliance, and providing legal certainty for Islamic financial institutions and customers. However, there are challenges in terms of response speed to rapidly developing product innovations and the need for more massive fatwa socialization to the public.
Copyright (c) 2025 Nafilah, Hayatunnufus https://creativecommons.org/licenses/by/4.0
ANALISIS TERHADAP AKAD MUSYARAKAH MUTANAQISAH DAN PROBLEMATIKANYA DALAM PRAKTIK PERBANKAN SYARIAH
The Musyarakah Mutanaqisah (MMQ) contract, as one of the increasingly popular financing products in Islamic banking, offers a unique alternative to asset ownership that is in line with sharia principles. This study aims to comprehensively analyze the MMQ contract, highlight its Sharia foundations, and identify and explore the issues that arise in its implementation in the field. The research methods used include literature review and qualitative analysis of fatwas issued by the National Sharia Council of the Indonesian Ulema Council (DSN-MUI), Islamic banking regulations, and practices observed in several Islamic banks. The analysis shows that, in theory, MMQ is built on three basic contracts that do not conflict with each other: the syirkah or musyarakah contract for partnership, the ijarah contract for lease, and the sale and purchase contract for transfer of ownership. The combination of the three forms an innovative financing structure. However, in practice, several crucial issues arise. One of these is the issue of al-Ijarah al-Mawsuqah bil-Bay', or lease followed by a promise of sale, which some contemporary scholars still debate its validity. Nevertheless, the DSN-MUI has issued a fatwa permitting this scheme under certain conditions and terms
Copyright (c) 2025 Fahmi Makraja, Elya Fitriyani, Nisa Afifah, Khadijatul Musanna https://creativecommons.org/licenses/by/4.0
INTEGRASI MSDI DAN CSR: STRATEGI MEMBANGUN ORGANISASI BERKELANJUTAN DI ERA MODERN
This study aims to analyze the relationship between Human Resource Management (HRM) and Corporate Social Responsibility (CSR) in realizing organizational sustainability in the modern era. The integration of HRM and CSR is an important strategy in building a company that is not only profit-oriented, but also social welfare and moral values. HRM plays a role in managing human resources based on Islamic principles such as amanah (trust), ihsan (goodness), and maslahah (benefit), which can encourage ethical and fair work behavior. The results of the study indicate that the synergy between HRM and CSR can increase employee loyalty, productivity, and a positive company image in the public eye. Thus, the integration of these two concepts plays a crucial role in creating a highly competitive, ethical organization that contributes to sustainable economic development based on Islamic values
Copyright (c) 2025 Muhammad faqih jazilar rohman https://creativecommons.org/licenses/by/4.0
MODEL TRANSAKSI BERBASIS FINTECH SYARIAH PERSPEKTIF FIKIH MUAMALAH
The development of information and communication technology, the financial industry has undergone changes for the digital revolution, triggered by the presence of fintech (financial technology). Sharia fintech, as a special variant in the digital financial ecosystem, presents a breakthrough in financial services that are in line with Islamic ethical values. The discovery of sharia-based fintech businesses not only offers transaction solutions that are in accordance with sharia principles, but also plays a strategic role in opening wider financial access for the community. Fiqh muamalah is a branch of science that regulates social relations and economic transactions in the Muslim community. Using the development of technology, especially in the financial sector, the emergence of sharia fintech as an interesting phenomenon to study. The rapid development of technology forms processes in the financial sector that are also developing. This incident makes it easier for residents to get financing, especially for business capital or to maintain the continuity of the business they are running. The purpose of this study is to study how to apply the principles of fiqh muamalah in the sharia fintech business model. The research used uses a qualitative research method with a literature study method and a case study.
Copyright (c) 2025 Muhammad Sauqi, Alya Rohani, Mar’atun Solehah https://creativecommons.org/licenses/by/4.0
AL-IJÂRAH AL-MUMTAHIYAH BI AL-TAMLÎK: TELAAH SOSIOLOGIS, FILOSOFIS DAN YURIDIS
With the increasing demands of modern life and limited financial resources, rent-to-own transactions have become a popular option for individuals to acquire goods without upfront full payment. While widely adopted by conventional financial institutions, these systems often lead to high-interest burdens, creating financial strain for consumers. In response, Islamic Financial Institutions (IFIs) have sought to develop equitable and Sharia-compliant financing products, such as the al-Ijârah al-Mumtahiyah bi al-Tamlîk (IMBT) contract. This innovative contract combines a lease (ijârah) with a promise of ownership at the end of the lease term, offering a more transparent and just alternative. This study employs a qualitative research methodology with juridical-normative and descriptive-analytical approaches. Data was gathered through literature and document studies, encompassing sources like the Qur'an, Hadith, DSN-MUI fatwas, relevant Indonesian laws and regulations, and Islamic legal and economic literature. The primary focus is to analyze the concept, legal basis, and philosophy of both ijârah and IMBT contracts within the practical context of Islamic financial institutions in Indonesia. This approach facilitates a deep understanding of IMBT's implementation, ensuring it is transparent and free from elements of usury (riba), excessive uncertainty (gharar), and speculation (maysir). The findings demonstrate that the IMBT contract offers a fair and flexible Sharia-compliant financing solution, meeting the modern community's need for asset acquisition. Philosophically, ijârah and IMBT are grounded in principles of justice, mutual consent (ridha), and reciprocal benefit (consensualism), reflecting the interdependent nature of human social and economic interactions. Furthermore, IMBT holds a strong legal foundation within Indonesia's positive legal system, being regulated by various laws and DSN-MUI fatwas. This robust regulatory framework affirms IMBT's status as a legitimate and binding contract that fully adheres to Sharia principles.
Copyright (c) 2025 Muhammad Firliadi Noor Salim https://creativecommons.org/licenses/by/4.0
Sumber hukum Islam yang disepakati jumhur ulama adalah Al-Qur‟an, Hadits, Ijma’ dan Qiyas. Sedangkan sumber hukumIslam yang masih diperselisihkan di kalangan para ulama selainsumber hukum yang empat di atas adalah istihsan, maslahahmursalah, istishab, huruf, madzhab asShahabi, syar’u man qablana. Sebagian ulama menyebutkan enam sumber hukumyang masih diperselisihkan itu sebagai dalil hukum bukansumber hukum, namun yang lainnya menyebutkan sebagaimetode ijtihad. Qiyas sebagai salah satu sumber hukum dalamIslam maka kedudukan qiyas sebagai berikut: Pertama, Qiyastermasuk dapat dijadikan hujjah atau dalil atas hukum-hukummengenai perbuatan manusia dan menduduki martabat atauposisi keempat diantara hujjah-hujjah syar’iyah, denganpengertian apabila tidak didapati dalam suatu kejadian ituhukum menurut nash atau ijma’. Kedua, Qiyas merupakan suatucara penggunaan ra’yu untuk menggali hukum syara’ dalam hal-hal yang nash al-Qur’an dan sunnah tidak menetapkanhukumnya secara jelas. dan Ketiga, Tidak ada dalil ataupetunjuk pasti yang menyatakan bahwa qiyas dapat dijadikandalil syara’ untuk menetapkan hukum. Juga tidak ada petunjukyang membolehkan mujtahid menetapkan hukum syara’ di luaryang ditetapkan oleh nash. Oleh karena itu terdapat perbedaan pendapat tentang kedudukan qiyas sebagai dalil hukum syara’
Copyright (c) 2025 Airin Aprillia https://creativecommons.org/licenses/by/4.0
PRAKTIK GALA UMONG DAN DAMPAKNYA TERHADAP PEREKONOMIAN MASYARAKAT PERSPEKTIF EKONOMI SYARIAH
Abstract: The practice of gala umong carried out in the community is an alternative option in solving the economic problems they face. The fundamental reason for implementing gala umong among the community is because the process of carrying out the contract is very short and does not require a long time. Gala umong is a term often heard in Acehnese society which means pawn of rice fields. Gala umong is almost practiced throughout the entire Aceh region, including Gampong Pusu Ingin Jaya, Manggeng District, Southwest Aceh Regency. The practice of gala umong is carried out as an alternative in order to solve the economic problems they face. Gala gatherings are held between neighbors or close relatives. This research uses a descriptive qualitative approach by further exploring the practice of gala umong among the community. The results of this research show that the gala umong held in Pusu Ingin Jaya Village had a very big impact on the community's economic sector. The positive impact is that rice field owners can earn money in the near future to finance their daily needs, start a business and pay educational costs. The negative impact felt by rahin and murtahin is increasing social inequality and reducing farmers' livelihoods due to their rice fields being used as collateral. When viewed from a sharia economic perspective, the implementation of the gala umong that occurred in Pusu Ingin Jaya Village was not in accordance with the binding elements in it. There are some pledge requirements that have not been fulfilled, namely there is no written evidence and no witnesses. Keywords: Pawn, Akad Rahn, Gala umong, Abstrak Praktik gala umong yang dilakukan di tengah masyarkat merupakan salah satu pilihan alternatif dalam meneyelesaikan permasalahan ekonomi yang dihadapinya. Alasan fundamental dilaksanakannya gala umong dikalangan masyarakat adalah karena proses pelaksanaan akadnya yang sangat singkat dan tidak memerlukan waktu yang lama. Gala umong merupakan sebutan yang sering terdengar di masyarakat Aceh yang berarti gadai sawah. Gala umong hampir dipraktikkan diseluruh wilayah Aceh termasuk Gampong Pusu Ingin Jaya Kecamatan Manggeng Kabupaten Aceh Barat Daya. Praktik gala umong dilakukan sebagai alternatif dalam rangka menyelesaikan permasalah ekonomi yang dihadapinya. Gala umong dilakukan antar tetangga ataupun kerabat dekat. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan menelusuri lebih jauh praktik gala umong di kalangan masyarkat. Hasil penelitian ini menunjukkan bahwa, gala umong yang dilakukan di gampong Pusu Ingin Jaya sangat sangat berdampak pada sektor perekonomian masyarakat. Dampak positifnya adalah para pemilik sawah dapat memperoleh uang dalam waktu dekat untuk membiayai kebutuhan sehari-hari, mudal usaha dan membayar biaya pendidikan. Adapun dampak negatifnya yang dirasakan oleh rahin dan murtahin adalah meningkatnya kesenjangan sosial dan mengurangi mata pencaharian petani akibat sawahnya dijadikan barang jaminan. Apabila dilihat dari perspektif ekonomi syariah pelaksanaan gala umong yang terjadi di gampong Pusu Ingin Jaya belum sesuai dengan unsur yang mengikat didalamnya. Terdapat sebagian dari syarat-syarat gadai yang belum terpenuhi yaitu tidak ada bukti tertulis dan tidak ada saksi. Kata Kunci: Gadai, Akad Rahn, Gala umong
Copyright (c) 2025 Fahmi Makraja, Kefi Miftachul Ulum, Rangga Suganda, Rodhotun Nimah, Maulida Khairunnisa https://creativecommons.org/licenses/by/4.0
PENGARUH AKAD PENDANAAN (FUNDING) TERHADAP KEPUASAN NASABAH PADA BANK ACEH SYARIAH CAPEM KOTA JUANG
Syariah institutions currently have sharia-based products and are in great demand by the public, because people gradually begin to know and realize that syariah funding products have characteristics and concepts that are different from other institutions. With the good quality of a funding product, this will also have a positive impact on customer satisfaction. So in this case the author wants to examine the relationship between good funding and customer satisfaction at Bank Aceh Syariah Capem Kota Juang. The hypotheses in this study are funding contracts and customer satisfaction. Based on the results of research conducted through the data collection stage by distributing questionnaires to 65 customers with various statements and questions and tested using the SPSS version 25 application. It can be concluded that in the t-Test Coefficient table (partial) it can be seen that the value of t counts the funding agreement variable (funding) is 9.673 > 1.998, and the significance value is 0.000 <0.05. then it can be decided that the funding contract variable (X) has a positive effect on customer satisfaction.
Copyright (c) 2023 Syifa Ul Husna (Author) https://creativecommons.org/licenses/by/4.0
PEMBERDAYAAN EKONOMI MASYARAKAT MELALUI PROGRAM AIR ISI ULANG DI GAMPONG ULEE MADON KECAMATAN MUARA BATU KABUPATEN ACEH UTARA
Economic empowerment can be realized if the core targets can focus on alleviating poverty, creating jobs, improving people's welfare. Therefore, the authors are interested in researching Community Economic Empowerment through the Water Refill Program in Ulee Madon Village, Muara Batu District, North Aceh Regency with the formulation of the problem that the author sets, namely: How is community economic empowerment through refill water programs in Ulee Madon Village, Muara District Batu, North Aceh Regency and What are the Inhibiting and Supporting Factors for community economic empowerment through the refill water program in Ulee Madon Village, Muara Batu District, North Aceh Regency. The research benefits include practical and theoretical benefits. The research method used is descriptive qualitative and phenomenological approach. The results showed that community economic empowerment through the refill water program in Ulee Madon Village, Muara Batu District, North Aceh Regency contained several activities such as programs, mentoring.
Copyright (c) 2024 Hayatun Nufus https://creativecommons.org/licenses/by/4.0/
SUAMI PENJUDI SEBAGAI ALASAN FASAKH NIKAH(Analisa Komparatif Penalaran Hukum Fikih Syāfi’iyyah dan Pasal 116 KHI)
The purpose of this research is to see the concept of Syafi’iyyah Fiqh and Article 116 Compilation of Islamic Law (KHI) on husband's gambling as a reason for divorce (fasakh) and to see the basic thinking of both. This type of thesis research is a qualitative research with a normative approach, namely research conducted by examining library materials related to legal issues in everyday people's life such as divorce (fasakh) and others. From this study the authors found that according to Syafi’iyyah Fiqh, a husband who gambles is not justified as one of the reasons for divorce (fasakh). Because they do not meet the conditions for divorce that have been determined such as disabilities and others. Unless gambling can neglect his obligations as a husband. This is different from Article 116 of the Compilation of Islamic Law (KHI), in which a husband who gambles can be used as an excuse for divorce (fasakh) because he does not see the consequences. The rationale for Syafi’iyyah Fiqh, in determining the gambler's husband as the reason for divorce is to follow the principles contained in the Shafi'i school of thought. Meanwhile, the Compilation of Islamic Law (KHI) is based on previous government regulations. Namely, the Government Regulation of the Republic of Indonesia Number 9 of 1975 concerning Implementation of Law Number 1 of 1974 concerning Marriage. This difference is based on the number of sources adopted by the Compilation of Islamic Law (KHI) such as across the four schools and others. In addition, it is adapted to the conditions of the Indonesian nation. The goal is to be guided by one legal concept in making case decisions.
Copyright (c) 2024 Muhammad Zubir https://creativecommons.org/licenses/by/4.0/
ANALISIS PEMBIAYAN MURABAHAH PADA PERBANKAN SYARIAH DI INDONESIA
One way to collect funds from the community in Islamic banking is through financing with products available in Islamic banks, namely mudharabah, musyarakah, murabahah, salam, ishtina', qard and ijarah. However, the most dominant prima donna in Islamic banking is murabahah financing products. Murabahah financing customers have increased every year in BUS, UUS and BPRS. Islamic banking is supervised and its products are guaranteed to be in accordance with sharia by the National Sharia Council (DSN) and the Sharia Supervisory Board (DPS). So that in terms of the MUI Fatwa, murabahah financing in Indonesia that occurs in Islamic banking is in accordance with the MUI fatwa which means in accordance with the opinions of Islamic scholars.
Copyright (c) 2024 Pocut Ainiah https://creativecommons.org/licenses/by/4.0/
ANALISIS FIQIH MUAMALAH KONTEMPORER DALAM TRANSAKSI JUAL BELI ONLINE
Online buying and selling is currently very popular with all people who have internet access, because with all methods that in essence make it easier and present a sense of satisfaction so that online buying and selling is never avoided from the topic of conversation. Buying and selling before the advancement of technology already had standards in practice that had been regulated in the Qur'an and Al-Sunnah. So that however, technology changes the method of transactions, but Islam long before that has established signs that must be obeyed for believers. These signs have already existed with a legal basis, namely the Qur'an, Al-Sunnah and Ijma'. The Qur'an commands that if buying and selling in an initial contract provides relief for the buyer, namely by giving goods with a debt contract to write a grace period given to the buyer in paying it off. Al-Sunnah ordered not to sell goods that are different from those offered, thus giving rise to the nature of liars. And Ijma' Ulama ordered buying and selling so that there would be no ghoror, namely the ambiguity in the contract at the beginning of the transaction that there was no guarantee, in this case the buyer was deceived in the specifics of the goods and vice versa the seller was deceived in the value of an item.
Copyright (c) 2024 Syahrizal https://creativecommons.org/licenses/by/4.0
ANALISIS INTERVENSI SUAMI ATAS KEWARISAN DALAM PERSPEKTIF HUKUM ISLAM (STUDI KASUS DI GAMPONG PAYA RANGKULUH BIEREUEN)
This study generally aims to determine the factors underlying the rejection of inheritance, the consequences caused by the rejection of inheritance and the review of Islamic law on the rejection of inheritance analysis of husband's intervention in Gampong Paya Rangkuluh. The form of this research is carried out with a qualitative approach, meaning that the data that has been collected is classified into categories based on the similarity of the type of data. Based on the findings of this study, the factor of rejection of inheritance is caused by the husband's intervention factor, lack of inheritance knowledge and suspicion of other heirs and from the data studied the husband's influence is very fundamental to the rejection of property which causes consequences including the severance of friendship between the heirs, even among them no longer greet each other and do not visit each other, more ironically the husband of the heir who refused now hates his in-laws, some of the inheritance is neglected. Where the assets that can be utilized become useless without anyone to take care of them, even more feared is that one of the heirs can eat the assets of another heir without permission, and finally the heir who rejects the inheritance feels inconvenience (Inconvenience) because he is at a loss, in accepting or rejecting the inheritance. Therefore, by looking at the consequences that arise, the rejection of inheritance is not allowed and is forbidden by law.
Copyright (c) 2024 M.Iqbal, Kana Rizki https://creativecommons.org/licenses/by/4.0/
PENGARUH BAGI HASIL AKAD MUDHARABAH TERHADAP KEPUASAN NASABAH PADA BANK ACEH CAPEM KUTABLANG (Studi Kasus Nasabah Di Kecamatan Kutablang)
The development of the Islamic banking system in Indonesia is carried out within the framework of the dual banking system or dual banking system within the framework of the Indonesian Banking Architecture (API) to present an increasingly complete alternative banking service to the Indonesian people. Contracts or agreements in people's lives occupy a very important position. Akad is one of the foundations of many daily human activities. Through contracts, various business activities and human efforts can be carried out. Because the contract is what limits the relationship between the two parties involved in the business and will bind the relationship in the present and the future. The method used in this study is a quantitative research method. The variables of the research are Akad Mudharabah (X) and Customer Satisfaction (Y). The data collection technique was carried out through a questionnaire, the sample taken amounted to 72 respondents using an incidental sampling technique. The analysis tools used IBM SPSS Statistics 23 which included validity tests, reliability tests, classical assumption tests, T hypothesis tests, linear regression analysis. The results of the study show that the Mudharabah Akad has an effect on customer satisfaction at PT. Bank Aceh Syariah Capem Kutablang, this can be seen from the results of the calculation value of Akad Mudharabah on customer satisfaction of 8,888 with a significant 0.001 < 0.05, while the ttable value is 1,666 < 8,888 tcal. So the value of t calculation is greater than the t table, this shows that Ho was rejected and accepted by Ha who stated that the Mudharabah Contract had a significant influence on Customer Satisfaction at PT. Bank Aceh Syariah Capem Kutablang.
Copyright (c) 2024 Hidayatullah Munzir, Aulia Fitri https://creativecommons.org/licenses/by/4.0
HUKUM KEWARISAN ISLAM BERDASARKAN SEJARAH, HUKUM, ASAS-ASAS KEWARISAN
This study explains the concept of inheritance in Islam, a system that regulates how a deceased treasure is given to his heirs. Inheritance, also known as a faraid, is a certain portion of the treasure given to the heir and is a way to show devotion to the Creator. The inheritance of Islam is closely related to the faith, which is reflected in the practice of the Quran and the Sunnah of His Messenger. The main principle is the principle of equity for men and women, in which both rights are considered equal, although the sum of rights may differ, as long as the respective rights and obligations are equal and equitable. For a successful inheritance division, every heir must understand the law of inheriting. From Arab tradition to Islamic influence, this study deals with the history of heritage in Islam. In addition, he revealed a lack of understanding of the Muslim community about heritage today.The research methodology is qualitative and uses library sources to gather data. Important factors such as the definition of inheritance, its legal basis, and the principles of Islamic heritage are discussed in depth. The aim of this study is to improve the understanding of the Muslim community and to ensure the implementation of the teachings of Islam by further explaining the history, laws, and procedures for implementing the division of inheritance in Islam. This research has resulted in a broader understanding of Islamic heritage not only as a rule of sharing wealth but also as value.
Copyright (c) 2024 Muhammad Iqbal, Nurul Latifah Hamzah https://creativecommons.org/licenses/by/4.0/
IDDAH BAGI PEREMPUAN PASCA PERCERAIAN DALAM AL-QUR’AN(Kandungan Surah Al-Baqarah Ayat 228 Tentang Masa Iddah Bagi Perempuan)
This research was conducted to find out what the legal status of women's iddah is after divorce and what is the interpretation of the Al-Qur'an Surah Al-Baqarah Verse 228 regarding women's iddah period. This research uses a qualitative descriptive approach which is carried out to solve problems that relies on a critical and in-depth review of relevant library materials. The type of research used in this research is library research. The research results show that the legal status of women's iddah after divorce is that women who have been divorced by their husbands are obliged to wait for their iddah period. The iddah period for women who are divorced by their husband is three quru' or three holy times. The interpretation of the Al-Qur'an Surah Al-Baqarah verse 228 regarding the iddah period for women who are divorced by their husband is three times quru' or three times holy. Three times quru' is interpreted as three holy times after menstruation for women. Imam Syafi'i believes that quru' is holy, not menstruation. The final limit when it is halal for a husband to refer to his wife is at the end of the third holy period, when she has entered her third menstruation, the husband can no longer refer to his wife and she is halal for other men.
Copyright (c) 2024 Tajul Iflah, Raihan Putri https://creativecommons.org/licenses/by/4.0/
SISTEM SIMPAN PINJAM KOPERASI WANITA”INGIN MAJU” PERSPEKTIF EKONOMI SYARIAH
Koperasi merupakan satu wadah untuk bergabung dan berusaha bersama agar kekurangan yang terjadi dalam kegiatan ekonomi dapat diatasi. Yang mana koperasi juga suatu bentuk kerjasama dalam lapangan perekonomian. Kerjasama ini diadakan orang karena adanya kesamaan jenis kebutuhan hidup mereka. Untuk mencapai tujuan itu diperlukan adanya kerjasama yang berlangsung, oleh sebab itu dibentuklah perkumpulan sebagai bentuk kerjasama. Penerapan simpan pinjam dalam koperasi wanita “Ingin Maju” bedasarkan kerjasama dengan pihak ketiga antara koperasi dengan dinas koperasi dan PKK Aceh, penerapan simpan pinjam tersebut sudah menjadi kesepakatan antara koperasi dengan pihak ketiga. Oleh karena itu, penulis tertarik untuk meneliti tentang sistem simpan pinjam koperasi wanita “Ingin Maju” menurut perspektif ekonomi Islam (studi kasus di Desa Kambam Kecamatan Muara Batu Kabupaten Aceh Utara). Penelitian ini bertujuan untuk mengetahui bagaimana sistem simpan pinjam koperasi wanita “Ingin Maju” menurut perspektif ekonomi Islam. Hasil penelitian ini menunjukkan bahwa sistem simpan pinjam yang diterapkan koperasi wanita “Ingin Maju” menggunakan sistem bagi hasil (mudharabah) akan tetapi adanya barang jaminan pinjaman, oleh sebab itu Islam tidak membenarkannya. Jadi sistem yang diterapkan koperasi wanita “Ingin Maju” tidak sesuai dengan syariat Islam.
Copyright (c) 2024 hayatun nufus https://creativecommons.org/licenses/by/4.0/