ANALISIS HUKUM EKONOMI SYARIAH TENTANG AKAD KERJA SAMA PENGELOLAAN BUS PARIWISATA JASA NUSANTARA (Studi Pada PT Tampia Star Life dan Asosiasi Pondok Pesantren Lampung)

DEDE, KHOIRUNNISA (2026) ANALISIS HUKUM EKONOMI SYARIAH TENTANG AKAD KERJA SAMA PENGELOLAAN BUS PARIWISATA JASA NUSANTARA (Studi Pada PT Tampia Star Life dan Asosiasi Pondok Pesantren Lampung). Masters thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Islam mengajarkan bahwa setiap bentuk kerja sama usaha harus dilandasi prinsip keadilan, amanah, dan saling menguntungkan sebagaimana diwujudkan dalam akad syirkah. Prinsip tersebut menjadi landasan dalam menilai praktik kerja sama pengelolaan Bus Pariwisata Jasa Nusantara antara PT Tampia Star Life dan Asosiasi Pondok Pesantren Provinsi Lampung. Keunikan penelitian ini terletak pada penggunaan pembiayaan KUR Syariah untuk pengadaan aset bus serta kontribusi para pihak yang berbeda, yaitu modal aset dari Asosiasi Pondok Pesantren dan keahlian pengelolaan dari PT Tampia Star Life, sehingga menimbulkan pertanyaan mengenai kesesuaiannya dengan prinsip Hukum Ekonomi Syariah. Penelitian ini bertujuan untuk menganalisis mekanisme akad kerja sama dan menelaah kesesuaiannya dengan Hukum Ekonomi Syariah. Penelitian menggunakan metode penelitian lapangan (field research) dengan pendekatan kualitatif. Data primer diperoleh melalui wawancara dan observasi terhadap PT Tampia Star Life serta Asosiasi Pondok Pesantren Provinsi Lampung, sedangkan data sekunder berasal dari alQur'an, Hadis, KHES, Fatwa DSN-MUI Nomor 114/DSN-MUI/IX/2017, kitab fikih, buku, dan jurnal ilmiah. Hasil penelitian menunjukkan bahwa mekanisme kerja sama dilaksanakan dengan kontribusi modal berupa aset bus yang disediakan Asosiasi Pondok Pesantren melalui pembiayaan KUR Syariah, sedangkan PT Tampia Star Life berkontribusi dalam bentuk keahlian dan pengelolaan operasional. Ditinjau dari Hukum Ekonomi Syariah, praktik tersebut pada prinsipnya diperbolehkan karena memenuhi unsur-unsur syirkah 'inan, namun masih memerlukan penyempurnaan dalam pengaturan tertulis mengenai kontribusi modal, pembagian keuntungan, pembagian risiko, dan kepemilikan aset agar lebih mencerminkan kepastian hukum, keadilan, dan transparansi. ABSTRACT Islam teaches that every form of business partnership must be based on the principles of justice, trustworthiness, and mutual benefit, as embodied in the syirkah (partnership) contract. These principles serve as the foundation for assessing the partnership in managing the Jasa Nusantara Tourism Bus between PT Tampia Star Life and the Association of Islamic Boarding Schools of Lampung Province. The uniqueness of this research lies in the use of Sharia People's Business Credit (KUR Syariah) financing for procuring the bus assets, as well as the different contributions of the parties involved, namely asset capital provided by the Association of Islamic Boarding Schools and managerial expertise contributed by PT Tampia Star Life. This condition raises questions regarding its conformity with the principles of Islamic Economic Law. This study aims to analyze the mechanism of the partnership contract and examine its conformity with Islamic Economic Law. This research employed a field research method with a qualitative approach. Primary data were obtained through interviews and observations involving PT Tampia Star Life and the Association of Islamic Boarding Schools of Lampung Province, while secondary data were collected from the Qur'an, Hadith, the Compilation of Sharia Economic Law (KHES), DSN-MUI Fatwa No. 114/DSN-MUI/IX/2017, classical Islamic jurisprudence (fiqh) literature, books, and scientific journals. The findings reveal that the partnership mechanism is implemented through capital contributions in the form of bus assets provided by the Association of Islamic Boarding Schools through Sharia KUR financing, while PT Tampia Star Life contributes managerial expertise and operational management. From the perspective of Islamic Economic Law, this practice is fundamentally permissible because it fulfills the essential elements of Syirkah 'Inan. However, improvements are still required in the written agreement regarding capital contributions, profit-sharing, risksharing, and asset ownership to ensure greater legal certainty, justice, and transparency.

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