Perlindungan Hukum Terhadap Wisatawan Dalam Rangka Pemanfaatan Produk Dan Jasa Pariwisata Syariah (Halal Tourism)

Abstract

Profit and loss sharing system applied in the Islamic bank as an alternative substitute for the application of the interest system is deemed to successfully avoid the negative impacts of the interest application. It is also considered to be able to allocate resources and fund sources efficiently. The solution is briefly mentioned by holding the financing transactions based on three models, namely mud} a> rabah, musha> rakah dan mura> bah} ah. In this study, there are several methods used to collect the data. It includes methods of observation, interviews and documentation. The data is then analyzed using descriptive analysis and qualitative approach. The research findings figure out that the realization of profit and loss sharing system based on mud} a> rabah financing applied in the Branch Office of Syariah Mandiri Bank in Lumajang, in terms of Islamic Law, is valid since it already fulfills the validity requisites of mud} a> rabah. There is only such dilemmatic consideration relates to the issue of assurance because of the difference opinion among Islamic scholars (Ulama) about the license of assurance itself aside of the emergency or in case that the suspicion toward mud} a> rib emerged. The financing of mud} a> rabah in Syariah Banking, particularly in terms of the application of financing calculation in the Branch Office of Syariah Mandiri Bank in Lumajang is completely appropriate since it already fulfills the requisites obtained in all Syariah Bankings and the Fatwa of National Syariah Council. The application of profit and loss sharing calculation in the Branch Office of Syariah Mandiri Bank in Lumajang is valid and appropriate since its realization is in accordance with Islamic and Banking Law. The profit-sharing ratio provided by the bank are 95.10%: 4.9%, 90, 69%: 9.31% and 87.10%: 12.9%. And this bank do not share the ratio of 100: 0 to their customers. PendahuluanAjaran Islam meliputi seluruh aspek kehidupan manusia yang di antaranya masalah ekonomi, sedangkan bank adalah bagian dari masalah ekonomi walaupun di zaman Nabi SAW belum ada institusi bank, tetapi ajaran Islam sudah memberikan prinsip-prinsip dan filosofi dasar yang harus dijadikan pedoman dalam aktifitas perdagangan dan perekonomian. Karena itu, dalam menghadapi masalah muamalah kontemporer yang harus dilakukan hanyalah mengidentifikasi prinsip-prinsip dan filosofi dasar ajaran Islam dalam bidang ekonomi dan kemudian mengidentifikasi semua hal yang dilarang. Setelah kedua hal ini dilakukan, maka kita dapat melakukan inovasi dan kreativitas (ijtihad) seluas-luasnya untuk memecahkan segala persoalan muamalah kontemporer termasuk persoalan perbankan.

Development of spirituality-based tourism in BI-Land tourism, Sundaland, Cikole, Lembang, West Bandung Regency

“…Halal tourism still tends to be understood only in terms of facilities and infrastructure, such as places of worship, halal food and ethical clothing (Ahmed & Akbaba, 2020). Another trend is studies focusing on sharia tourism (Jaelani, 2018;Mabrurin & Latifah, 2021;Noviantoro & Zurohman, 2020;Ramadhany & Ridlwan, 2018). Sharia tourism also still focuses on developing aspects of facilities and infrastructure.…”