This study discusses the extent to which Islamic business ethics affect customer retention in Islamic banking so that it can compete with conventional banking. The research method uses descriptive quantitative research, with 72 respondents from students, private employees, civil servants, and entrepreneurs. Data collection techniques in the form of observations, literature studies, and questionnaires The independent variable is the business ethics variable, with indicators of unity, justice, free will, responsibility, and virtue. As for customer retention with indicators of customer loyalty and the intensity of the implementation of transactions in Islamic banking, this survey uses simple regression analysis using IBM SPSS Statistics 20 software. The results of the study found that Islamic ethics have an influence on customer retention. This is evidenced by the percentage of Islamic ethics influence of 36.1% on customer retention, and the rest is influenced by other factors. The majority of the reasons customers choose Islamic banking are because of the application of Islamic business ethics in the operations of Islamic banks, especially on the divine side. Customers assume that Islamic banks are banks that offer a solution to avoid the practice of usury. Inclusion and literacy stimulation are needed so as to increase public preference for Islamic banks.. Abstrak Penelitian ini membahas sejauh apa etika bisnis Islam berpengaruh terhadap customer retention pada perbankan syariah, sehingga dapat bersaing dengan perbankan konvensional. Metode penelitian menggunakan jenis penelitian deskriptif kuantitatif, dengan jumlah responden 72 orang yang berasal dari kalangan mahasiswa, pegawai swasta, pegawai negeri, serta wiraswasta. Teknik pengumpulan data berupa observasi, studi pustaka, dan angket. Adapun variabel independen adalah variabel etika bisnis dengan indikator kesatuan, keadilan, kehendak bebas, tanggung jawab, dan kebajikan. Adapun customer retention dengan indikator loyalitas nasabah dan intensitas pelaksanaan transaksi pada perbankan syariah. Survey ini menggunakan analisis regresi sederhana dengan menggunaan software IBM SPSS Statistics 20. Hasil penelitian ditemukan bahwa etika Islam memiliki pengaruh terhadap customer retention, hal ini dibuktikan dengan persentase pengaruh etika Islam sebesar 36,1% terhadap customer retention, dan selebihnya dipengaruhi oleh faktor lain. mayoritas alasan nasabah memilih perbankan syariah adalah karena diterapkannya etika bisnis Islam dalam operasional bank syariah utamanya pada sisi ketuhanan. Nasabah beranggapan bahwa bank syariah adalah bank yang merupakan solusi untuk menghindari praktik riba Diperlukan stimulus inklusi dan literasi sehingga meningkatkan preferensi masyarakat terhadap bank syariah

This study discusses the analysis of the sale of refilled drinking water at a drinking water depot in the city of Palu named N3 in terms of the perspective of sharia economic law. The type of research used is normative research using empirical data, namely the practice of selling refill drinking water. The results of this study explain that sales made at the N3 refill drinking water depot use a marketing mix strategy consisting of brand creation, pricing, distribution, and promotion. Sales made by the N3 refill drinking water depot when analyzed using the perspective of sharia economic law on the subject and object aspects have defects in terms of objects that can be resolved by means of khiyar contracts. While in the aspect of the contract, the sale and purchase is illegal because it conflicts with article 26 paragraph 2 contained in the Sharia Economic Law Compilation (KHES) which also does not comply with the laws and regulations, namely the Decree of the Minister of Industry and Trade of the Republic of Indonesia Number 651/MPP /kep/10/2004. So in terms of the legal contract, the practice of buying and selling water at the N3 depot is included in the fasad contract.Abstrak Penelitian ini membahas analisis penjualan air minum isi ulang pada salah satu depot air minum di kota Palu bernama N3 ditinjau dari perspektif hukum ekonomi syariah. Jenis penelitian yang digunakan adalah penelitian normatif dengan menggunakan data empiris yakni praktik penjualan air minum Isi Ulang. Penelitian ini menghasilkan bahwa penjualan yang dilakukan pada depot air minum isi ulang N3 menggunakan strategi marketing mix yang terdiri atas penciptaan merek, penetapan harga, pendistribusian, dan promosi. Penjualan yang dilakukan oleh depot air minum isi ulang N3 jika dianalisis menggunakan perspektif hukum ekonomi syariah pada aspek subjek dan objeknya terdapat cacat pada segi objeknya yang dapat diselesaikan dengan cara akad khiyar. Sedang pada aspek akadnya, jual-beli yang dilakukan tidak sah sebab berbenturan pada pasal 26 ayat 2 yang terdapat dalam Kompilasi Hukum Ekonomi Syariah (KHES) yang mana juga tidak mematuhi peraturan perundang-undangan yakni Keputusan Menteri Perindustrian dan Perdagangan Republik Indonesia Nomor 651/MPP/kep/10/2004. Maka dari segi akad hukum praktik jual beli air pada depot N3 termasuk kedalam akad fasad

This study discusses related to the trade in chipped stone which is a group C mining company located in Loli Oge Village. The author uses a type of normative juridical research using empirical data, which is through observation data collection techniques, interviews and library research. The results showed that the implementation of the sale and purchase of chipped stone carried out by the company began with the process of extracting raw materials to process the stone into small sizes according to the predetermined size. Furthermore, in terms of selling small or medium scale materials, buyers will usually come directly to the company office. Meanwhile, for large-scale material sales (barge), customers who have subscribed will order materials by telephone. From the perspective of Sharia Economic Law, the trade carried out by the Company has fulfilled the pillars of trade in Islam and the contract is made based on the agreement of both parties without any harm.Abstrak Penelitian ini membahas perdagangan batu pecah pada perusahaan galian golongan C yang berada di Desa Loli Oge. Penulis menggunakan jenis penelitian yuridis normatif dengan menggunakan data empiris, yakni melalui teknik pengumpulan data observasi, wawancara dan Pustaka. Hasil penelitian menunjukkan bahwa pelaksanaan jual beli batu pecah yang dilakukan oleh perusahaan dimulai dengan proses penggalian bahan baku hingga proses batu menjadi berukuran kecil sesuai dengan ukuran yang telah ditentukan. Selanjutnya pada segi penjualan material skala kecil atau menengah, pembeli biasanya akan datang langsung ke kantor perusahaan. Sedangkan untuk penjualan material (tongkang) skala besar, konsumen yang telah berlangganan akan memesan material melalui telepon. Jika melihat dari dari perspektik Hukum Ekonomi Syariah Perdagangan yang dilakukan oleh Perusahaan telah memenuhi rukun perdagangan dalam Islam serta kontrak dibuat berdasarkan kesepakatan kedua pihak tanpa satupun dirugikan.

Bank Mega Syariah Palu Branch applies the qardh contract to a multi contract financial product that is used in conjunction with the Hawalah contract, and the Ijarah (fee) contract. Qardh loan according to Bank Mega Syariah is a distribution of funds based on the agreement between the borrower and the bank in accordance with sharia principle. This is based on Indonesia law system Fatwa No. 79/DSN-MUI/2011. Qardh multi contract financial products are manifested from the principles of Islamic economic law in leading to world affairs, so that the habit is used as legal considerations. Loan in Islamic economic law is explained through the principle of binding accountability. However, it cannot be denied that in the Covid-19 pandemic period there are often difficulties in the debtor in returning the loan so that legal support system is needed. Abstrak Bank Mega Syariah Cabang Palu mengaplikasikan akad qardh ke dalam produk keuangan multi akad yang digunakan bersamaan dengan akad hawalah, dan akad ijarah (ujrah). Pinjaman qardh menurut Bank Mega Syariah merupakan penyaluran dana yang didasarkan atas persetujuan atau kesepakatan antara peminjam dan pihak bank sesuai dengan prinsip wasathiyah. Hal ini didasarkan pada Fatwa DSN-MUI No. 79/DSN-MUI/2011. Produk keuangan qardh multi akad terwujud dari prinsip hukum ekonomi syariah dalam bermuamalah pada urusan dunia, sehingga kebiasaan tersebut dijadikan pertimbangan hukum. Urusan pinjam meminjam dalam hukum ekonomi syariah diterangkan melalui prinsip pertanggungjawaban yang bersifat mengikat. Namun, tak dapat dipungkiri di masa pandemi Covid-19 sering terjadi kesulitan pada debitur dalam mengembalikan pinjamannya sehingga diperlukannya dukungan payung hukum

Troubled financing is one of the risks that must be in every pawnshop because this risk is often also called credit risk. In the management of the handling of problematic financing of the BPKB AR-rum products already have a management dealer in dealing with loan problems in the customer. Whereas in the handling of financing the troubled Pawnshop of Ronggolawe Kudus Islamic services unit also has its own technique in developing systems to customers. Regarding factors, there are several factors in the management of financing handling in this study 1) internal factors 2) external factors. Abstrak Pembiayaan bermasalah termasuk suatu resiko yang seringkali dialami oleh berbagai Pegadaian, resiko ini biasa dikenal dengan resiko kredit. Pada manajemen penanganan pembiayaan bermasalah produk AR-RUM BPKB sudah mempunyai manajemen tersediri dalam menangani permasalahan kredit macet pada nasabah. Sedangkan dalam penanganannya pembiayaan bermasalah Pegadaian Unit Pelayanan Syariah Ronggolawe Kudus juga sudah mempunyai teknik tersendiri dalam menerpakan sistemnya ke nasabah. Terkait faktor, ada beberapa faktor dalam managemen penanganan pembiayaan yang ada di dalam penelitian ini 1) faktor internal 2) faktor eksternal.

This study focuses on the use of field pawns by creditors in Ogoamas 1 Village, North Sojol District, Donggala Regency. What is the review of sharia economic law on the use of field pawning by creditors, and how the implementation of reforms that can be carried out by the people of Ogoamas 1 Village on the practice of pawning rice fields that they do. The results of this study indicate that the practice of pawning rice fields carried out by the community in Ogoamas 1 Village, they pawned their fields within a certain period of time and during that time all the proceeds from cultivating the fields belonged to the creditor. In a review of sharia economic law, the practice of pawning that occurs there as a whole, its application is not in accordance with Islamic law because there is still an element of injustice, namely that most of the benefits of rice fields are taken by creditors, these benefits are not allowed for him because they come from debt that brings profits. Literacy related to Islamic law is needed for pawners if they only take benefits according to the maintenance costs incurred and no more.Abstrak Penelitian ini berfokus terhadap kreditur yang memanfaatkan objek gadai berupa sawah di Desa Ogoamas 1 Kecamatan Sojol Utara Kabupaten Donggala. Seperti apa tinjauan hukum Islam terhadap pemanfaatan objek jaminan berupa sawah oleh kreditur, serta bagaimana implementasi pembaruan yang dapat dilakukan masyarakat Desa Ogoamas 1 terhadap praktik gadai sawah yang mereka lakukan. Hasil penelitian ini menunjukkan bahwa praktik gadai sawah yang dilakukan masyarakat di Desa Ogoamas 1, mereka menggadaikan sawah mereka dalam jangka waktu tertentu dan dalam waktu tersebut seluruh hasil dari penggarapan sawah merupakan milik kreditur. Dalam tinjauan hukum Islam penerapan jaminan/gadai yang terjadi, penerapannya belum sesuai dengan syariat Islam karena masih terdapat unsur ketidak adilan yakni pengambilan manfaat sawah sebagian besar diambil oleh kreditur, manfaat tersebut tidak boleh baginya karena berasal dari utang yang mendatangkan keuntungan. Literasi terkait hukum Islam diperlukan bagi pelaku gadai ialah sekiranya hanya mengambil manfaat sesuai dengan biaya pemeliharaan yang dikeluarkan dan tidak lebih.

The population in this study were Muslim entrepreneurs in the city of Palu. The sampling technique used was the accidental sampling method by prioritizing two conditions, the first being willing to be a respondent, and the second being a person who had paid zakat, as many as 52 respondents, using the slovin formula for determine the number of samples. Data collection techniques using observation techniques and questionnaires. The analysis technique used is multiple linear regression analysis and residual test. The results of statistical processing assisted by the SPSS 23 For Windows program, show that muzakki's knowledge (X1) obtained a value of Tcount > Ttable and has a significant value (sig) less than 0.05 in the coefficients table with a value of a (significant level) 0.05, meaning that this value gives the meaning that the muzaaki knowledge variable (X1) has a significant effect on the compliance of muzakki in paying zakat (Y) and tax credit is not a moderating variable.Abstrak Populasi dalam penelitian ini adalah pengusaha muslim di kota Palu yang teknik pengambilan sampel yang digunakan adalah teknik accidental sampling dengan mengedepankan dua syarat, pertama bersedia dijadikan responden, dan yang kedua ia merupakan orang yang pernah membayar zakat, sebanyak 52 responden, dengan menggunakan rumus slovin untuk menentukan jumlah sampel. Teknik pengumpulan data menggunakan teknik observasi dan kuesioner. Adapun teknik analisa yang digunakan adalah analisis regresi linear berganda dan uji residual. Hasil olahan statistik yang dibantu dengan program SPSS 23 For Windows, menunjukan bahwa pengetahuan muzakki (X1) diperoleh nilai Thitung > Ttabel dan memiliki nilai signifikan (sig) lebih kecil dari 0.05 pada tabel coefficients dengan nilai a (tingkat signifikan) 0.05 artinya dengan nilai ini memberikan makna bahwa variabel pengetahuan muzaaki (X1) memberikan pengaruh secara signifikan terhadap kepatuhan muzakki membayar zakat (Y) dan kredit pajak tidak sebagai variabel moderating.

Murabahah is a trust sale and purchase, in which the object of sale is honestly stated, both capital goods and profit by the seller, which is then agreed upon by both parties. This form of transaction is widely known in banking practice, because it was developed by Islamic banking into a financing or murabahah contract. This does not mean that this transaction is only used in banking, without realizing it, this contract has often been used by the public, only because there is still a lack of literacy about muamalah transactions for traders so that many do not understand the contract they use is the murabahah contract in muamalah. The results of the study show that this kind of practice is also carried out by several livestock traders at the Animal Market, Donggala Kodi village. The implementation uses the practice of murabahah transactions where the seller informs the buyer about the purchase price of the goods which in this case are livestock and are mutually agreed upon by both, not only by the seller. Even then, there are still some things that are not completely in accordance with the essence of buying and selling murabahah. Such as entering the costs incurred into business capital.Abstrak Jual beli murabahah ialah jual beli amanah, yang mana objek penjualan dinyatakan secara jujur baik modal barang serta profit oleh penjual yang selanjutnya disepakati oleh kedua belah pihak. Bentuk transaksi ini banyak dikenal pada praktik perbankan, karena dikembangkan oleh pihak perbankan syariah menjadi sebuah pembiayaan atau akad murabahah. Bukan berarti transaksi ini hanya digunakan pada perbankan saja, tanpa disadari akad ini telah sering digunakan oleh masyarakat hanya saja dikarenakan masih kurangnya literasi tentang transaksi muamalah kepedagang sehingga banyak yang tidak memahami akad yang mereka gunakan ialah akad murabahah dalam muamalah. Hasil penelitian menunjukan praktik semacam ini juga yang dilakukan oleh beberapa pihak pedagang hewan ternak di Pasar Hewan kelurahan Donggala Kodi. Pelaksanaannya menggunakan praktik transaksi murabahah dimana pihak penjual memberitahu kepada pembeli tentang harga perolehan barang yang dalam hal ini merupakan hewan ternak dan sama-sama disepakati oleh keduanya bukan hanya oleh pihak penjual saja. Meskipun kemudian, masih ada beberapa hal yang belum seutuhnya sesuai dengan esensi dalam jual beli murabahah. Seperti memasukan biaya-biaya yang timbul kedalam modal usaha.

The purpose of this study is 1) to find out how the development of both criminal and civil law from cases that occurred by travel Abu Tour. 2) to find out how to return the loss of the Abu Tour Travel Congregation. The author uses a multidisciplinary approach, namely a juridical approach and an empirical approach. The results of the study indicate that the Makassar District Court's decision that was issued to decide the case was included in the criminal realm) was not an appropriate sanction given to the Abu Tour because of the violation. The law that is committed is not only a public violation (fraud and money laundering) but also a private violation (Wanprestasi against consumers of Umrah and Hajj pilgrims) whose sanctions should be compensation for those who have been harmed, not just imprisonment and fines. As for the losses suffered by the Jama'at Abu Tour, it does not compensate for the entire loss suffered, it is only limited to a few pilgrims who are registered on the priority list held by the Prosecutor's Office.Abstrak Tujuan Penelitian ini yakni 1) untuk mengetahui bagaimana perkembangan hukum baik pidana dan hukum perdata dari kasus yang terjadi oleh travel Abu Tour. 2) untuk mengetahui bagaimana pengembalian kerugian Jemaah travel Abu Tour. Penulis menggunakan metode pendekatan multidisipliner, yaitu pendekatan yuridis dan pendekatan empiris. Hasil penelitian penunjukkan bahwa putusan Pengadilan Negeri Makassar yang dikeluarkan menjatuhkan putusan kasus tersebut masuk dalam ranah pidana (pidana penggelapan dan pencucian uang bukan merupakan sanksi yang tepat diberikan untuk pihak Abu Tour sebab pelanggaran hukum yang telah dilakukan bukan hanya saja pelanggaran Publik (penipuan dan pencucian uang) tetapi juga pelanggaran privat (Wanprestasi terhadap konsumen Jemaah umrah dan haji). Adapun kerugian yang diderita oleh Jemaah Abu tour tidak mengganti keseluruhan kerugian yg diderita, hanya sebatas beberapa Jemaah yang terdaftar pada list prioritas yang dipegang oleh kejaksaan.

The potential of diverse horticultural resources owned by Indonesia needs to be sought for legal protection of adequate geographical indications for these products, one of the horticultural products that has the potential to be registered as a product of geographical indications is the Palu Valley Onion. To be able to register the Palu valley onion as a geographical indication product, Book Requirements are needed. This study aims to identify, understand and analyze the urgency of the preparation of the requirements book as a prerequisite for registering Palu Valley Onion as a product of geographical indications. This study is an empirical legal research that is research conducted by researching and examining the facts in line with observations in the field. The collection of data is carried out through interviews method and collection of documents relating to the material discussed. The results of the study indicate that no one has made the book the intended requirements. Therefore, the preparation of the requirements book as a prerequisite for registration of geographical indications is considered very important to be compiled immediately.Abstrak Potensi sumber daya hortikultura yang beraneka ragam yang dimiliki Indonesia perlu diupayakan perlindungan hukum indikasi geografis yang memadai bagi produk-produk tersebut, salah satu produk hortikultura yang berpotensi didaftarkan sebagai produk indikasi geografis adalah bawang merah lembah Palu. Untuk dapat mendaftarkan bawang merah lembah Palu sebagai produk indikasi geografis dibutuhkan Buku Persyaratan. Penelitian ini bertujuan untuk mengetahui, memahami dan menganalisis urgensi penyusunan buku persyaratan sebagai prasyarat pendaftaran bawang merah Lembah Palu sebagai produk indikasi geografis. Penelitian ini adalah penelitian hukum yang bersifat empiris yaitu penelitian yang dilakukan dengan cara meneliti dan menelaah fakta yang ada sejalan dengan pengamatan di lapangan. Penghimpunan data dilaksanakan menggunakan metode wawancara serta pengumpulan dokumen yang memiliki kaitan dengan pembahasan penelitian. Hasil yang diperoleh menunjukkan bahwa belum ada satu pun pihak yang membuat buku persyaratan yang dimaksud. Oleh karena itu, penyusunan buku persyaratan sebagai prasyarat pendaftaran indikasi geografis dianggap sangat penting untuk segera disusun.

This study explores the issue of usury from the point of view of the hadith of the prophet. For the sake of finding supporting data against the argument that usury is not justified in Islamic law. This study uses a hadith science approach and various kinds of scientific approaches as supporters to understand the content of the hadith about usury. In this study, the authors found that before this study many criteria and benchmarks for usury were found in relation to buying and selling, exchanging, saving and borrowing, and knowing the laws of usury transactions clearly. Of course, studies on usury have been written by many Islamic law researchers, including Abdul Gofur with the theme of the concept of usury in the Koran, Riya Rohma Setyawati et al with the theme of usury in the view of Islam, Miriam So Phia with the theme of usury in Islamic jurisprudence, Abdurrahim Abdul Hamid al-sa'ati with the theme al-'illah al-Iqtishadiyah li tahrim al-Riba al-Nasiah wa al-Fadhl. Nevertheless, the author has its own uniqueness in examining the issue of usury in terms of the methods and approaches applied in this study. The approaches applied in this research include: First, the author uses a hadith science approach in conducting research, in order to be able to explore and explore the context of the prophet's hadith accurately. Second, the author uses various scientific approaches that can be a sharp tool in realizing an objective research.Abstrak Penelitian ini mendalami persoalan riba dari sudut pandangan hadis nabi. Demi ditemukannya data penguat terhadap argumen riba itu tidak dibenarkan dalam syariat Islam. Kajian ini menggunakan pendekatan ilmu hadis dan erbagai macam pendekatan ilmia sebagai pendukung untuk memahami kandungan hadis tetang riba. Pada penelitian ini penulis menemukan bahwa sebelum penelitian ini telah banyak ditemukan kriteria dan tolak ukur riba dalam kaitannya dengan jual beli, tukar-menukar, simpan pinjam, serta mengetahui hukum transaksi riba secara terang. Tentu saja kajian tentang riba telah banyak ditulis oleh para penelisik hukum Islam di antaranya Abdul Gofur dengan tema Konsep Riba dalam al-Quran, Riya Rohma Setyawati dkk dengan tema Riba dalam pandangan Islam, Miriam So Phia dengan tema Riba In Islamic Jurisprudence, Abdurrahim abdul hamid al-sa’ati dengan tema al-‘illah al-Iqtishadiyah li tahrim al-Riba al-Nasiah wa al-Fadhl. Kendatipun demikian, penulis memiliki keunikan tersendiri dalam mengkaji persoalan riba dari segi metode dan pendekatan yang diterapkan dalam penelitian ini. Pendekatan yang diterapkan dalam penelitian ini di antaranya Pertama, penulis menggunakan pendekatan ilmu hadis dalam melakukan penelitian, agar dapat menelusuri dan mendalami konteks hadis nabi secara akurat. Kedua, penulis menggunakan berbagai pendekatan ilmia yang dapat menjadi alat yang tajam dalam mewujudkan sebuah penelitian yang objektif.

In this article, we will explain about sharia pawnshops and their provisions based on the Fatwa of the MUI National Sharia Council. Meanwhile, according to islam pawning is pawning an item as collateral for debt transactions carried out based on sharia principles. The existence of this pawn can be a solution for the communicaty in meeting their urgent financial needs. The practice of pawning in Indonesia is now growing very rapidly along with the increasing need of the community for fast funds to meet their basic needs. With this, it can inspire several Islamic bank and pawnshops to open pawn services. The method that the author uses in this article is a literature study that examines several previous scientific works and other literature that is in accordance with the theme of sharia pawnshops. With the result of the study obtained by the author, it is hoped that it can be used as a reference for readers. Abstrak Dalam artikel ini akan dijelaskan seputar tentang pegadaian syariah serta ketentuannya berdasarkan pada Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia. Yang dimaksud dengan gadai berdasarkan kaidah Islam itu ialah kegiatan menggadaikan barang sebagai jaminan atas transaksi hutang yang dilakukan sesuai dengan prinsip syariah. Adapun dengan adanya kegiatan gadai itu dapat menjadi solusi bagi masyarakat untuk memenuhi kebutuhan keuangan yang sangat mendesak. Di Indonesia praktek gadai ini sudah tumbuh dengan sangat pesat yang beriringan dengan meningkatnya suatu kebutuhan masyarakat terhadap dana cepat/ mendesak untuk memenuhi kebutuhannya. Dengan adanya hal tersebut dapat menjadi inspirasi bagi bank-bank syariah dan lembaga pegadaian untuk menambah layanan jasa gadai. Pada artikel ini penulis menggunakan metode studi literatur yang menelaah beberapa karya ilmiah terdahulu dan literatur lain yang sesuai dengan tema artikel. Harapannya dengan hasil telaah yang diperoleh oleh penulis dapat menjadikan referensi bagi seorang pembaca.

This research aims to analyze the procedural and substantial aspects of ijarah muntahiyah bitTamlik (IMBT) financingin Islamic financial institution which constitutes muamalah fiqh construction in contemporary financial products, because there are still people who doubt the legality of sharia without looking at the procedures and substance, because it was considered a transaction prohibited by the Prophet. The research method used is normative legal research with a conceptual and statutory approach. The discussion in this article shows that the procedural aspects of IMBT financing by undertaking an ijarah agreement in advance as the first contract in which there is wa'ad transfer of ownership after the lease period ends. The nature of wa'ad is not binding, so after the lease period ends, it is necessary to carry out a contract of transfer of ownership with a new contract both in grants and sale.The Substantial aspects of IMBT financing from the perspective of the legality of sharia contracts, IMBT is not a series of two contracts that are merged into one unit or carried out at the same time where the mixture results in gharar (unclear), but the contract is arranged in two separate transactions and this is not included in the prohibition of two agreements (contract) in one agreement (contract) that is in the Prophet's hadith.Abstrak Penelitian ini bertujuan untuk menganalisis aspek prosedural dan substansial dalam pembiayaan ijarah muntahiyah bit Tamlik (IMBT) di lembaga keuangan syariah yang merupakan konstruksi fiqih muamalah dalam produk keuangan kontemporer, sebab masih ada yang meragukan legalitasnya secara syariah tanpa mencermati prosedur dan substansinya, karena dianggap transaksi yang dilarang Nabi. Metode penelitian yang digunakan adalah penelitian hukum normatif dengan pendekatan konseptual dan perundang-undangan. Pembahasan dalam artikel ini menunjukkan bahwa aspek prosedural dalam pembiayaan IMBT dengan dilakukannya akad ijarah terlebih dahulu sebagai kontrak pertama yang didalamnya terdapat wa’ad pemindahan kepemilikan setelah masa sewa berakhir. Sifat wa’ad tidaklah mengikat maka setelah masa sewa berakhir, perlu dilaksanakan akad pemindahan kepemilikan dengan kontrak baru baik secara hibah maupun jual beli. Aspek subtansial dalam pembiayaan IMBT pada perspektif legalitas akad syariah maka IMBT bukanlah rangkaian dua akad yang tergabung menjadi satu kesatuan atau dilakukan sekaligus yang percampurannya mengakibatkan adanya gharar (ketidakjelasan), melainkan akadnya tersusun dalam dua transaksi yang terpisah dan ini tidak masuk dalam larangan dua kesepakatan (akad) dalam satu kesepakatan (akad) yang ada pada hadits Nabi.

Halal certification within the scope of modern society as it is today raises a bit of concern for some products that do not have a halal certificate. When reviewed in fiqh books, we will find al-tahrîm wal ihlâl haqqullâh wahdah. This is studied descriptively and qualitatively. There are three problems related to the issue of halal labeling which so far the rights are in the hands of the MUI. First, is the political problem caused by labeling itself. Second, is a religious issue. Third, related to economic matters. Abstrak Sertifikasi halal didalam lingkup masyarakat modern seperti sekarang ini menimbulkan sedikit kerisauan terhadap sejumlah produk yang tidak memiliki sertifikat halal. Apabila ditinjau dalam pustaka pustaka kitab fiqih, kita akan menemukan al-tahrîm wal ihlâl haqqullâh wahdah. Ini dikaji secara deskriptif dan bersifat kualitatif. Ada tiga masalah yang berkaitan dengan persoalan labelisasi halal yang dalam ini wilayah haknya ada di tangan MUI. Pertama, adalah masalah politis yang ditimbulkan soal labelisasi itu sendiri. Kedua, adalah masalah keagamaan. Ketiga, menyangkut soal ekonomi

Online loans are currently being discussed a lot, especially regarding the legality underlying. Where there is no clarity regarding the transaction mechanism and the legal consequences of the achievements made by both parties, and also not a few who end it through criminal law. In this regard, the authors would like to emphasize several legal aspects of this online loan transaction by conducting a normative-empirical legal analysis, using several approaches, including the approach to related laws and regulations, a case study approach related to online loan cases and a comparative approach or comparison to compare loan transactions made online and loan transactions made offline. Because the transaction mechanism is carried out online, this agreement cannot be separated from the principles adopted in civil law as well as the conditions for the validity of an agreement, so that even though online loan transactions are carried out online, they must be subject to applicable laws and regulations. and carry out the process of validating data and information for each party so that in the event of a default by one of the parties it can be resolved without harming one of the parties in the transaction. Abstrak Pinjaman Online saat ini sedang banyak diperbincangan terutama mengenai payung hukum yang mendasarinya. Dimana belum ada kejelasan terkait bagaimana mekanisme transaksinya serta bagaimana akibat hukum dari prestasi yang dilakukan oleh kedua belah pihak, dan pula tidak sedikit yang mengakhirinya melalui jalur hukum pidana. Berkaitan dengan hal tersebut, maka penulis ingin menegaskan beberapa aspek hukum terhadap transaksi pinjaman online ini dengan melakukan analisis secara hukum normatif-empiris, dengan menggunakan beberapa pendekatan, antara lain pendekatan peraturan perundang-undangan terkait, pendekatan studi kasus yang berkaitan dengan kasus pinjaman online dan pendekatan komparasi atau perbandingan untuk membandingkan transaksi pinjaman yang dilakukan secara online dan transaksi pinjaman yang dilakukan secara offline. Oleh karena mekanisme transaksi yang dijalankan secara online, maka perjanjian ini tidak terlepas dari prinsip-prinsip yang dianut dalam hukum keperdataan serta yang menjadi syarat sahnya suatu perjanjian, sehingga transaksi pinjaman online tersebut sekalipun dilakukan secara online, namun harus tunduk pada perundang-undangan yang berlaku serta melakukan proses validasi data dan informasi masing-masing pihak sehingga ketika terjadi wanprestasi oleh salah satu pihak dapat diselesaikan tanpa merugikan salah satu pihak dalam transaksi tersebut.

This study is titled "Implementation of Fatwa DSN MUI No:115/DSN-MUI/IX/2017 against Mudharabah Agreement on Savings Plan at Bank Mega Syariah Palu Branch." The main issues are how mudharabah contract mechanism on iB plan savings at Bank Mega Syariah Palu Branch and how to Implement Fatwa No:115/DSN-MUI/IX/2017 against Mudharabah contract on Savings Plan at Bank Mega Syariah Palu Branch. The purpose of this research is to find out the Mechanism of Mudharabah agreement on iB savings plan at Bank Mega Syariah Palu Branch and how to Implement Fatwa DSN MUI No:115/DSN-MUI/IX/2017 against Mudharabah agreement on Savings Plan at Bank Mega Syariah Palu Branch.The research method used is a descriptive qualitative method. The results showed that the mechanism of Akad mudharabah at Bank Mega Syariah is not entirely in accordance with the provisions of the fatwa DSN MUI this desebabes the problem among human resources and the difficulties faced in the field. Bank Mega Syariah requires qualified administrators and employees not only related to their cognitive abilities but also related to the competence of moral attitudes.

The potential for zakat if managed properly will encourage the progress and prosperity of Muslims. In practice, zakat must be given to the right person in accordance with the provisions of the Shari'a and can also be empowered productively so that it becomes a source of funds for the ummah, but generally zakat is mostly managed in a consumptive form and the management process has not been effective and efficient so that sometimes the goal of zakat has not been achieved. . The Indonesian Zakat Initiative (IZI), Central Sulawesi, shows that in its role as the Amil Zakat Institution in the city of Palu, it has tried its best in managing existing zakat. In each of its activities, the Central Sulawesi IZI is always based on regulations made by the government and makes its activities an effort to promote the welfare of the people. In the utilization of zakat funds, it is carried out with two distribution models, namely consumptive use or called charity and also a form of productive empowerment. Even so, it is undeniable that there are still shortcomings, especially in the supervision process

Islamic financial institutions are increasingly showing their existence, which encourages us to be more selective in choosing one of these institutions to use their services. We need to pay attention to the compatibility of applying the principles of Islamic law in its activity. The question of how the process of managing funds is managed, as well as whether the process is in accordance with Islamic law is something that must be answered. The results of the study indicate that the fund management process at BMT Al-Muhajirin Toili has been systemized quite well in the welfare of its members both in savings and financing products. According to Islamic law perspective regarding the process of fund management, there is still confusion, especially in the implementation of murabahah and mudharabah contracts, this happens because the human resources used at BMT Al-Muhajirin Toili are not fully qualified, so it often causes gharar in the contract. In addition, in the transaction process there is still usury due to the use of conventional interest-based accounts. Abstrak Semakin banyaknya lembaga keuangan syariah, maka kita akan semakin selektif dalam memilih. Sehingga kita perlu memperhatikan tentang kesesuaian penerapan prinsip-prinsip hukum Islam di dalam operasionalnya. Pertanyaan mengenai bagaimana proses manajemen pengelolaan dana, serta apakah proses tersebut telah sesuai dengan hukum Islam menjadi hal yang harus terjawab. Hasil penelitian menunjukkan bahwa proses manajemen pengelolaan dana di BMT Al-Muhajirin Toili telah tersistem dengan cukup baik dalam mensejahterakan anggotanya baik pada produk simpanan maupun pembiayaan. Adapun tinjauan hukum Islam mengenai proses manajemen pengelolaan dananya masih terdapat kebingungan, khususnya dalam penggunaan akad murabahah dan mudharabah, hal ini terjadi karena sumber daya yang digunakan di BMT Al-Muhajirin Toili belum sepenuhnya sesuai dengan bidang keilmuan, sehingga sering menimbulkan gharar dalam berakad. Selain itu, dalam dalam proses transaksi masih terdapat riba karena penggunaan rekening konvensional yang berbasis bunga.

The discussion of this research is focused on the description of Islamic law related to the practice of Derep Pari in West Tinombala Village, Ongka Malino District, Parigi Mutong Regency, so that the formulation of questions that must be answered are (1) What is the description of the practice of Derep Pari in West Tinombala? (2) What is the law of derep pari in the village of West Tinombala in Islamic teachings?. The results showed that (1) In the practice of Derep-Pari in Tinombala Barat Village, the wage system was determined based on the results of the agreement. (2) From the perspective of Islamic law, the wage system in Tinombala Barat Village is in accordance with Islamic law, where the operational principles and provisions already include aspects of justice because the wages paid to workers are given immediately after the work is completed and in the provision of wages in accordance with the agreement or in accordance with by agreement.

Sharia banks in conducting business activities must be based on sharia principles. Based on the mandate of Law Number. 21 of 2008 concerning Islamic Banking and BI Regulation Number. 6/24 / PBI / 2004 that the DSN has the duty and authority to stipulate fatwas regarding products and services in the business activities of Banks which carry out business activities based on Sharia principles. To ensure that the deposit products at Bank Muamalat comply with the standards set by the DSN, a research was conducted at Bank Muamalat Indonesia, the Palu branch. Deposit products at the Palu branch of Bank Muamalat Indonesia use the Mudharabah Mutlaqah contract, where BMIs are given freedom in managing customer funds. Then it is reviewed on the rules of the DSN-MUI Fatwa Number. 03 / DSN-MUI / IV / 2000 based on the 6-point provision that must be implemented to achieve sharia principles. In its implementation, the mudharabah time deposit product run by Bank Muamalat Indonesia, Palu branch has met these provisions. so theproduct of mudharabah time deposits or deposits in the Palu branch of Bank Muamalat Indonesia is in accordance with the fatwa.

In terms of the economic development of a nation it cannot be separated from economic activities that are stable in a country, on the other hand it is undeniable that now the world is struggling against the Covid-19 pandemic which is known together with all countries is intensively making movements aimed at Minimizing the spread of the corona virus, recorded based on data from the Google news site related to the development of Covid-19 cases throughout the country, the total cases worldwide were recorded at 50,794,593 with cases of patients dying as many as 1,262,199 Various policies were created by the government in order to attract the attention of foreign investors to enter Indonesia to invest, one of which is the open door policy to improve the country's economy after the Covid-19 pandemic in the future

This thesis is entitled Nosibagi Analysis of Kapuk Processing in Islamic Law Review in Dalaka Village, Sindue Subdistrict, by stating the main problem, How is the analysis of the Nosibagi kapok processing in Dalaka Village, Sindue District and how Islamic law reviews the Nosibagi system for kapok processing in Dalaka Village, Sindue District The method uses qualitative methods with data and data observation approaches starting from the beginning, where the author sees and analyzes things that are pleasing to the required data, especially Nosibagi (profit sharing) processing of kapok in Dalaka Village, Sindue District. Based on the results of the study, it shows that, First, the Nosibagi analysis of kapok processing in Dalaka Village, Sindue Subdistrict, is carried out orally among the parties concerned, with the provision of mutual trust with each other with a 50/50% share, including the owner of the capital and the manager. Second, in the review of Islamic law, this division prioritizes the value of justice for the parties concerned, where the owner of the capital does not take all of his shares if the sales of cotton mattresses and pillows are lacking, and the owner of the capital gives bonuses to managers in order to get more results. Managers, it is better to maintain the level of fairness in the distribution of the results of kapok processing which can be developed downward. Even though the agreement was made orally. It is hoped that the Government will pay more attention to the business of kapok processing so that the agreement is carried out well, as well as provide training on how to share good results according to Islamic law.

Pada umumnya, banyak di antara masyarakat Islam yang masih belum sempurna dalam menjalankan hukum Islam secara kaffah. Dan yang paling urgen menurut penulis yaitu hukum tentang kewajiban membayar zakat. Zakat merupakan salah satu rukun Islam yang masih banyak di remehkan oleh sebagian masyarakat Islam. Karena kalau banyak masyarakat Islam yang sadar akan kewajiban zakat, maka pengembangan dana zakat pada amil zakat akan terus meningkat. Maka disinilah muncul pengembangan dana zakat melalui pendayagunaan zakat untuk usaha produktif. Berkenaan dengan hal tersebut, maka uraian dalam skripsi ini berangkat dari masalah bagaimana tata cara penyaluran zakat produktif di BAZNAS kota Palu? Dan bagaimana tinjauan Peraturan Menteri Agama Nomor 52 Tahun 2014 terhadap tata cara penyaluran zakat produktif di BAZNAS kota Palu?. Penelitian ini menggunakan pendekatan kualitatif. Hasil penelitian menunjukan bahwa mengenai tata cara penyaluran zakat produktif di BAZNAS kota Palu, telah diatur dan sudah diimplementasikan pada pelaksanaan harian di BAZNAS kota Palu itu sendiri. Tinjauan Peraturan Menteri Agama Nomor 52 Tahun 2014 terhadap tata cara penyaluran zakat produktif di BAZNAS kota Palu, telah berkesinambungan dan saling terikat. Dari kesimpulan yang diperoleh, penulis menyarankan agar BAZNAS kota Palu lebih bekerja keras dalam memperkenalkan produk zakat yang bisa mengembangkan dana zakat itu sendiri yaitu zakat produktif. Dan yang paling dan dasar yang harus lebih diperkenalkan yaitu tentang tata cara penyaluran zakat produktif.

The results of this study indicate that the PayTren tiered sales system in Palu has almost fulfilled the sales criteria in sharia economic law such as the fulfillment of pillars and requirements in selling and buying, there are no elements of maisir, immorality, or money games, there is no excessive sale of products that can harm. consumers, companies also provide ujrah according to the real work done by business partners, and there is no passive bonus. However, there are still elements of usury and gharar and the company has not yet fully provided comfort for its partners who make losses on the one hand.It is hoped that the company will pay more attention to and improve technicians in solving problems experienced by its partners and the company must also maintain a tiered sales system that is truly sharia in order to avoid buying and selling transactions that are prohibited by sharia. The partners are also expected to be able to maintain the good name of the company by always following the guidelines that have been made by the company and the regulations that apply in Indonesia.

This study aims to provide knowledge and understanding of the implementation of the National Sharia Council Fatwa of the Indonesian Ulema Council (DSN-MUI) Number: 92 / DSN-MUI / IV / 2014 concerning the financing of rahn products at the Pegadaian Syariah Branch Palu Plasa. This research was designed using descriptive research type, using a qualitative approach in data collection techniques. After the data is collected and passed the data analysis process, a conclusion is drawn using a deductive mindset. The results of this study indicate that the implementation reviewed in the Fatwa rules of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) Number. 92 / DSN-MUI / IV / 2014 has stipulated that the fatwa on Financing accompanied by Rahn in all forms of financing or distribution of funds of Islamic Financial Institutions (LKS) may be guaranteed with collateral (rahn) in accordance with several provisions in the fatwa. So, financing on rahn products run by Pegadaian Syariah Branch Palu Plasa has met the provisions in the fatwa.

Hasil Penelitian menunjukan bahwa pertama Sistem Reward Produk PT. Natural Nusantara yang diberikan kepada Mitra- Nya menggunakan aturan dan penentuan poin dalam pemberian Reward untuk memberi motivasi dan semangat agar Mitra- Nya lebih semangat dalam penjualan dan mengembangkan perusahaan tersebut untuk menjaga kelangsungan perusahaan. Pulis menyarankan agar Para Mitra PT. Natural Nusantara Cab. Palu Timur Kebanyakan Upline memberikan Poin sesuai penjualan Downline. Setiap Upline memberikan semangat dan mengajarkan Downline- Nya agar lebih meninggkat penjualan nya selain itu seorang Upline memberikan saran agar Downline bisa menyetok produk sendiri dan diberikan dengan harga dibawah harga anggota sehinga Downline nya mendapatkan keuntungan yang lebih tinggi. kedua sistem Reward produk PT. Natural Nusantara Cab. Palu Timur adalah sistem Reward apa bila mengutungkan diatas dan perusahaan hanya menjanjikan maka tidak diboleh dalam hukum Islam namun sistem Reward produk PT. Natural Nusantara telah sesuai dengan hukum Islam karena disini Perusahaan telah menyediakan Reward sesuai penjualan Mitra- Nya dan kerja keras seorang Mitra.