Hendi Suhendi, Fiqh Muamalah, (Jakarta: PT Raja Grafindo Persada, ). Ibnu Mas'ud dan Zainal Abidin S, Fiqih Madzhab Syafi”I, Buku 2 Muamalat. Prisip – prinsip muamalah dalam fiqh islam 4. Fiqh Muamalah. Pustaka Setia Jakarta Hendi Suhendi. Seluruh buku/kitab/jurnal dan artikel tentang kajian Fiqh II (Muamalah) Wahbah Zuhaily. . proposal-masjid-attaqwapdf. meiriseamamo.tk;meiriseamamo.tkporer;meiriseamamo.tkah. haram muamalah kontemporer pdf download harta haram muamalat kontemporer pdf download buku fiqh muamalah hendi suhendi ebook fiqh muamalah.
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Full Text: PDF. References. Al-Bugha, Musthafa meiriseamamo.tk Pintar Transaksi meiriseamamo.tk Suhendi, Hendi. Syafe'i, Rachmat, Fiqh Muamalah, Bandung, 12 Hendi Suhendi, Fiqh Muamalah, (Jakarta: Raja Grafindo Persada, ), p .. Nurachmad, Buku Pintar Memahami dan Membuat Surat Perjanjian. Berdasarkan Buku Pedoman Penulisan Karya Ilmiah Fakultas Syariah. Hendi Suhendi, Fiqih Muamalah, (Jakarta: Raja Grafindo Persada, ) p. .
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Hendi Suhendi, M. Si , Fiqh Muamalah, PT: Rajawali Pers, Jakarta,, hlm.. Akhlak tidak berdiri sendiri. Sebaliknya, bahwa ketiga aspek tersebut saling memiliki keterkaitan yang.. Dalam buku Fiqih Muamalah karya Hendi Suhendi, juga memaparkan. All Posts Search. Buku Fiqih Muamalah Pdf. Recent Posts See All. Butler direct download link from 4 x any The workers' welfare is closely related to wages.
Wages have a very important position, for the workers and their families, for employers, as well as for the national interest broadly. For the workers, the wage is a means to improve the well- being of themselves and their families directly. For the conventional employers, the wages affect the production costs and the price level, which will then affect the production growth, expansion and employment opportunity equality.
For the government, the wage is a means of income equality and improvement of people's welfare. UMR Regional Minimum Wage is the lowest monthly wage set by the government that is applied to a region; It is a minimum limit of wages that must be given to the workers, so it can meet the minimum basic needs adequately.
So, the UMR can be considered as a reward reflecting the prosperous life economically. The employers want a low minimum wage as the wage is seen as a burden to employers, while the workers want higher minimum wages because wages are income; From this condition, the determination of the minimum wage is always problematic. It becomes more problematic when the minimum wage also gives another problem namely when it is faced by a large population, then the minimum wage will lead to labour demand reduction so that the unemployment will be getting increase.
For small and medium-sized companies affected by the minimum wage regulations, will last in fatal namely the dissolution of the company because the company is being unable to pay the minimum wage. On the other hand the increase in minimum wage will lead to the labour demand reducation, so the wage has negative impact on the employment. In addition, the minimum wage increase will trigger inflation, because wage and price are related and connected positively.
Then, the more frightening one is the minimum wage will cause sector gaps exposed to regulatory and the informal sector, so that in the regulated sector, there is employment field creation barriers, and a wage decline in the unregulated sector because there are many workers in the informal sector, so supply and demand run, the wages will be low because the labour demand is low. The minimum wage is concluded as a factor which has no effect or even has negative effect on the population welfare.
There are several studies on the impact of the minimum wage. Fraja ; because of the minimum wage determination, then the company will make even harder working conditions. According to Basu. According to Couch , there is negative influence of the minimum wage on unemployment, meaning that if the minimum wage increases, there are more unemployment. According to Macpherson the applicable of minimum wage will produce approximately , to , workers losing their job.
Lampung province, over the last 20 years also always faces the wage problem. There is always a demand of workers' welfare improvement every year, especially every May 1st which coincides with the commemoration of the international labour day.
The labours have always demanded a minimum wage increase and the demands are not always met because the government has determined Regional Minimum Wage RMW in Lampung below the workers' demands. For 20 years, the value of RMW in Lampung has risen of So even though for 20 years the employers always have paid to the higher RMW every year, in fact for the workers, the RMW is not as expected, so this is proof that the RMW is a problematic.
However until now, the minimum wage and daily wage which do not favour to the workers, both are still defined as the ideal wage reference basic, when it should look for alternative solutions. Islam as a perfect religion and having universal dimension in the world and the hereafter has a solution to overcome the problems in this world. In Islamic monetary system, it is characterized by the integration of financial and real sector as a currency which can not be separated and partially run; it can be a solution to overcome the above problems.
As we know that the Islamic monetary system aims to maintain the stability of money value, promote the economic growth and lower the unemployment rate as well as distribution fairness. Related to the problems of income distribution, in order to achieve justice and to avoid the cruelty in social interactions, the Islamic monetary system introduces the instrument of Profit and loss Sharing with ijaroh contract or with the form of cooperation as musyarokah and mudhorobah.
The total nominal wages by the profit and loss sharing system will fluctuate based on the business conditions. The remuneration model with profit and loss sharing system is mostly suitable to the nature in business namely fortunate, loss, also break even point conditions, but this model is less voiced.
So to solve the problem of labour rumenuration in order to achieve the prosperity for Indonesian people, the authors will describe the idea of the need for regulation on the wage determination using a profit and loss sharing model system as the solution to the regional minimum wage policy replacement which is is susceptible to problems.
In Puti Minang Gruop, so the business partner employees do not get a certain nominal wages but part of the real results in running its company. Meanwhile, from the worker perspective, wages are a source income for welfare, so that workers want higher wages, in order to increase their welfare.
From this different point of view, RMW as the conventional wage will never be solution and will always cause problems. Indeed Islam with its monetary system has profit and loss sharing PLS system to overcome the wage problem. The total nominal wages in the profit and loss sharing system will fluctuate based on the business conditions profit, loss, also break even point , but this model is less voiced. Islamic monetary system with synergized characteristics of the monetary sector with the real sector addresses this issue with the profit and loss sharing instrument.
Puti Minang Group. So the business partners employees do not get a certain nominal of salary, but they get profit share proportion, while the amount of the wage will be known after the business is run. In fact, the profit and loss sharing application is very good for business development, labour welfare and businessmen comfort. The second problem relates to productivity, namely if the conventional models of the same type of work will be able to obtain equal pay wherever the work is done so it will not trigger productivity, and how about the profit sharing model?
The purpose of this research is: This study aims to: prove if the profit and loss sharing system can give a greater nominal wage than conventional wage RMW and daily wage. Profit-loss sharing theories. The total nominal for the results will fluctuate according to the real income of the fund utilization. According to Karim , profit sharing ratio is the business distribution guidance if the business is creating profits.
It is not only agreed about the profit distribution, it is also agreed to the underwriting costs, if the cost is borne by the executive, so the revenue sharing is done, and if it is agreed that the cost is borne by the investors, meaning the profit sharing is done. According to Muhammad 42 , the profit sharing system is the cooperation between capital owners and entrepreneurs to share profits or losses, so that by this economic cooperation, it will create equality and togetherness.
According to Yuomidin 12 , the profit and loss sharing is a cooperation system model dividing the profits based on the company income level. According to Jusmaliani p 54 , the profit and loss sharing is a cooperation model between the two parties in running the business, namely the investor and the employers who contribute the expertise, skills, to manage the business, with provision that both parties are entitled to the achieved results, and the right determination is based on the percentage because no one can ensure the profit and is not based on the amount of the invested funds.
According to Nafik thing the profit sharing system is a binding instrument between employers and workers, which is an important and permanent source of profit gains that will result in greater efficiency for industry workers, because part of their profits is expected to be more 4 enterprising and diligent to preserve the items and tools production.
So, as they are increasingly viable, their part will increase and the businessmen get increased profit results.
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Meanwhile, the regular wages result in waste of material and spiritual, and this is not found in the profit sharing. The profit and sharing system can be applied in four models. The layout of each profit sharing model can be seen in Table 2 in Appendix 2; According to Afzalurrahman case , usury or interest is forbidden and selling is allowed for there is fundamental reason which is injustice.
In Selling, there is a reward for labour, while interest income is not related to employment or work. In Trading, the capital owners do not only want profits but also bear the risk of losses. But in terms of the loan, all the losses are borne by those who use the labour. Whereas, the capital owners only counts the profit that is the interest, even though the borrower is in case of loss.
The next advantage obtained in the trade is by the initiative, hard work, and is the result of a clear value creation process, while usury is not like that.
The profit sharing system is more equitable because in the system, there is no predatory and exploitation parties.
Both are in improving and worse economic conditions. The profit sharing paradigm is based on the Allah law sunnatullah that the result of human effort in the next day is all Allah rules and rights.
Man can not know for sure as mentioned in verse 34 of Surat al-Luqman. In the profit-sharing system implemented in Islamic economics, there is no definite party receiving the income, and neither party receiving the income. Or, there is no risk-free parties. In Islam, the ideal relationship between the employer-employee is Allah fellow creature relationship. A worker should not be burdened with tasks that are too heavy or difficult beyond their means, but the workers are also not supposed to do dholim against the employer by wasting the job.
The profit sharing model is greatly appreciate human values and based on the natural effort, where the real results will be a benchmark in wages. By profit sharing model, the employers do not make wages as a cost, since the actual costs are those costs arising in order to generate profits. On the other hand, the profit sharing model will motivate employees to achieve the biggest profit because the greater the profit obtained, it will have an impact on the amount of profit result that will be received, and the smaller the profit is earned, the less profit sharing will be received.
The profit sharing model will be motivated, so that in this profit sharing system, the employees with the same job will be able to obtain different real results in business branches. The wage model of profit sharing trains the employees not to be so concerned with the work position, but they will be very concerned with the real results of the business carried on because these results will be shared.
Hypothesis With the above framework, it can be concluded that the profit sharing is avoided from wage determination conflicts between employers and workers. By this profit sharing model, so there will be high motivation to increase productivity in order to obtain greater results.
The greater results will have an impact on the acceptable result, so by this profit sharing model, it will exceed the conventional nominal wage RMW and daily wage. Also, by this profit sharing system, it will provide different results for the same work if it is done different place.
Based on the above framework, by deduction method, then the hypothesis statements are. Ho: Average nominal of profit sharing is similar to the minimum wage. Ha: Average nominal of profit sharing is greater than the minimum wage. Ho: Average nominal of profit sharing is maximum equal to the daily wage. Ha: Average nominal of profit sharing is greater results than the daily wage. Ho: The same type of work done in different location will produce similar profit sharing nominal 5 Ha: The same type of work when done in different location will produce different profit sharing nominal C.
A descriptive research is the kind of research that provides description of a situation clearly without any object treatment under study, comparative research means are comparing.
While based on its objectives, this research is applied research. According to Sekaran page 6 , when the research is directed to obtain information that can be used to solve the problem, then it is called applied research.
According to Suriasumantri case 15 , the applied research is research that aims to solve the practical life problems. Kemang Group. The data about the UMR contains in Annex 1, the data for the results and the daily wage are presented in the last Annex namely number 22 and The details of each usage for problem solving can be seen in Annex 3.
BAB 4. With SPSS 15 software by inputting the data without exception with data in Annex 23 colomn 1 , it is obtained the results as presented in Table 4 in Annex 4.
The conclusion is that H0 is rejected. With SPSS 15 software by inputting the data with exception, it is obtained the results as presented in Table 5 in Annex 5. Comparison Between The Profit Sharing and Minimum Wage in The comparison calculation result between the profit sharing and minimum wage in Rp. The profit sharing data is treated by two ways, namely by summed and averaged. With data in Annex 23 colomn 1 and 7, by using profit sharing data which is averaged, by using SPSS 15 software, it is obtained the results as presented in Table 8 in Annex 8.
The proposed hypothesis Ha is the average profit sharing in is bigger than the daily wage in This hypothesis model means that it will test one direction that is to the right side.
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The proposed hypothesis Ha is the average profit sharing is bigger than the daily wage in. In addition, it is also required to know whether there is a difference between the average wage between type of works based on the profit sharing wage system and daily wage row test.
To answer this problem, it is used ANOVA analysis tool because it will compare more than 2 columns with some categories 12 types of work. The profit sharing data is treated in two ways, namely by summed or averaged.
For the year of using profit sharing data which is summed by using ANOVA Test With data in Annex 22 colomn 0,1,3,4 and 5, it is obtained the Comparison output between the profit sharing and the daily wage in as in Annex 10, Table 7 How to read the tables for Columns value means that if there is a difference between the profit sharing and the daily wages based on the type of work.
How to read the table for the Row value is whether any difference in average nominal wages between types of work based on the remuneration system for the profit sharing and the daily wage. So there is no difference in average nominal wages between types of work based on the remuneration system for the profit sharing and the daily wage. In other words, based on the type of work, the average nominal wage based on the numeration system of profit sharing and daily wage is the same.
The hypothesis: Average profit sharing in is bigger than the daily wage. From the hypothesis statement means testing one direction. The inputted data is the average data of profit sharing from three companies.
Comparison Between Profit Sharing in and Daily Wage in Based on the type of work with average data of profit sharing. Because the three company data has been already averaged, then it is not use the Anova test to know the comparison between the profit sharing and the daily wage in but it is used an analytical tool of two sample t-test Assuming Equal Variances. With data in Annex 22 colomn 2 and 12, by using SPSS 15 software tools, it is obtained results as shown in Table 12 Annex 12, The hypothesis: the average profit sharing in is bigger than the daily wage in Comparison of Average wage Between Profit Sharing and the Daily Wage Based on the type of work with the total data of profit sharing To know the comparison between the profit sharing and daily wage in , it is used analysis tools of two sample t-test Assuming Equal Variances.
With data in Annex 22 colomn 2 and 11, by using SPSS 15 software tools it is obtained results, as presented in Appendix 13 Table By using the input of profit sharing total from the three PM, the hypothesis is the Average profit sharing in is bigger than the daily wage.
Table Abbas, Anwar.
Spiritual Learning Center dan Dinar Club. Haroen, Nasrun, However, the writer still believes that interest, ursury are just the same and they are prohibited by Islam. The employers want a low minimum wage as the wage is seen as a burden to employers, while the workers want higher minimum wages because wages are income; From this condition, the determination of the minimum wage is always problematic. In banking, the use of annuity method is certainly more favorable than proportional method.
By this fact, it becomes a paradox that the Shariah financial institution is seriously aiming to realize a healthy and strong Shariah banking system which is in line with the Shariah principles within the framework of justice, well-being and balance, in order to achieve a prosperous society both materially and spiritually falah as stated in the vision of Shariah banking by Indonesia Bank BI.
Imam Sarakhzi defines usury as additional payment required in business transactions without any equivalent 'iwad which is justified by Shariah Mulyono et al,
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