Aghnina : Jurnal Hukum Ekonomi Syari'ah

Analysis of the COD Payment System in Buying and Selling Transactions According to Islamic Law

Gita Sania — 2025-01-20

This study discusses the Cash on Delivery (COD) payment system in ecommerce transactions from the perspective of Islamic law, specifically the Shafi'i School of Thought. The COD system, which is popular in Indonesia, provides advantages such as a sense of security for consumers in online transactions, despite challenges like the risk of losses for sellers. In Islamic jurisprudence, COD transactions can be analyzed through the concepts of sales contracts and the role of third parties, such as delivery services. This study employs a literature review method to identify the compatibility of the COD system with Islamic principles, such as transparency, clarity, and trustworthiness. The findings indicate that the COD system complies with Islamic law if it fulfills the conditions for a valid contract, is free from gharar (uncertainty), and adheres to principles of fairness and mutual consent. This study provides a legal foundation and practical guidance for businesses and consumers in implementing COD transactions in accordance with Islamic principles.

The Transformation of Umrah Savings Group Practices at PT Arofah Syam Al-Hadi: A Controversial Analysis in the Perspective of Sharia Economic Law

wildan ms — 2025-01-20

The practice of umrah arisan in PT Arofah Syam Al-Hadi has become a social phenomenon that attracts the attention of the community in Sukosari Village, Sukowono District, Jember Regency. With the increasing interest of the community to perform the Umrah pilgrimage, Arisan Umroh emerged as an alternative solution that offers convenience in collecting funds. This research aims to analyze the practice of arisan umroh from the perspective of sharia economic law with a case study at PT arofah Syam Al-Hadi. This research uses a qualitative method with a descriptive approach. The data obtained from the results of this study using observation, interviews and documentation with sharia economic law experts and umroh arisan managers. Data and data sources used in this research are primary data sources and secondary data sources. The practice of umroh arisan in PT Arofah Syam Al-Hadi Sukosari Village, Sukowono District, Jember Regency is carried out based on an agreement made at the beginning between arisan members and other members. After the agreement is reached by explaining the procedure, then the umroh arisan is carried out. Viewed from the perspective of Sharia Economic Law on the Umrah Arisan Practice of PT Arofah Syam Al-Hadi in Sukosari Village, Sukowono District, Jember Regency in accordance with Islamic law because the system applied has fulfilled the terms and conditions of the Wadi'ah contract. PT Arofah Sham Al-Hadi has explained the agreement before the Wadi'ah contract including the details of the Umrah arisan installments and the benefits of the savings.

The Role of Notaries in Drafting and Registering Online Fiduciary Security Deeds from the Perspective of Sharia Economic Law

Tika Siti Barokah — 2025-01-20

Notaries play a crucial role in society, especially in drafting authentic deeds as required by statutory regulations. Law No. 2 of 2014, amending Law No. 30 of 2004 on the Notary Profession, grants notaries the authority to create authentic deeds to ensure legal certainty, order, and legal protection. This study formulates two main problems: the role of notaries in assisting creditors with the online registration of fiduciary security deeds and the supporting and inhibiting factors they encounter in this process. Employing a juridical-sociological approach with descriptive-analytical methods and purposive sampling for data collection, the study uses both primary and secondary data analyzed qualitatively. The findings show that, based on Law No. 42 of 1999 on Fiduciary Security, the registration of fiduciary security ensures legal certainty and protection for both grantors and recipients. It is further stipulated that fiduciary registration must be completed within 30 days of the notarial deed’s issuance, and the deed must be distinct from the principal agreement.

The Practice of Cash Waqf from the Perspective of Islamic Law

nur-azizah azizah — 2025-01-29

Penelitian ini bertujuan untuk mengetahui bagaimana hukum dan ketentuan praktik wakaf uang tunai dan untuk mengetahui bagaimana tata cara parktik wakaf uang tunai dalam perspektif islam. Penelitian ini menggunakan pendekatan kualitatif dengan jenis library research, dan pengumpulan datanya dengan mengidentifikasi topik penelitian, menyesuaikan kajian-kajian teori dengan topik pembahasan yang nantinya akan dilakukan sebuah analisis dan dibuatlah sintesis informasi dari dari berbagai sumber untuk diambil Kesimpulan. Hasil penelitian menunjukkah bahwa praktik wakaf uang tunai sebagain ulama’ khilaf, ada yang memperbolehkan dan ada pula yang melarang. Wakaf uang tunai diperbolehkan dengan cara uang dirubah menjadi modal usaha atau investasi lalu hasilnya akan diberikan kepada mauquf alaih dan disalurkan kepada yang membutuhkan.wakaf uang tunai juga diperbolehkan karna uang lebih dominan untuk digunakan. Wakaf uang tunai juga diperbolehkan dengan cara uang tersebut dirubah bentuk, dibelikan barang yang tidak bergerak seperti tanah, dll. Sehingga yang menjadi mauquf bih bukan uang nya lagi namun benda yang dibeli dari uang tersebut.

The Concept and Implementation of Mudharabah Contracts in Islamic Bank Financing Products

Sindy Wulandari Kelompok 1 — 2025-01-20

Islamic banking in Indonesia plays a significant role in promoting financial inclusion and economic development, particularly through the mudharabah contract. This contract represents a partnership between a fund owner (shahibul maal) and a fund manager (mudharib) based on a fair profit-sharing principle without involving riba. This study aims to explain the concept, implementation, and challenges in applying the mudharabah contract to Islamic bank financing products. Using a descriptive qualitative approach, the findings reveal that the mudharabah contract has two main forms, namely mudharabah mutlaqah and mudharabah muqayyadah, which provide flexibility in application according to customer needs. Islamic banks act not only as fund providers but also as business mentors. Challenges include loss risks, transparency issues, and limited public understanding of Sharia principles. With proper management, the mudharabah contract can serve as an effective solution for fostering Sharia-based economic growth and supporting the micro, small, and medium enterprise (MSME) sector.