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All Journal IJIBE (International Journal of Islamic Business Ethics) Dinar: Jurnal Ekonomi dan Keuangan Islam JURISDICTIE Jurnal Hukum dan Syariah Jurnal Ekonomi Islam Journal of Islamic Economic Laws MALIA IJIEEB : International Journal of Integrated Education, Engineering and Business Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Ulumuna: Jurnal Studi Keislaman ACTIVA: Jurnal Ekonomi Syariah Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Al Huquq : Journal of Indonesian Islamic Economic Law TERAJU : Jurnal Syariah dan Hukum AL-ARBAH: Journal of Islamic Finance and Banking Implementasi Manajemen & Kewirausahaan Journal of Islamic Economics Ar-Ribhu: Jurnal Manajemen dan Keuangan Syariah Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Filantropi: Jurnal Manajemen Zakat dan Wakaf Iqtisadie: Journal of Islamic Banking and Shariah Economy EKONOMIKA SYARIAH : Journal of Economic Studies International Journal of Islamic Thought and Humanities Islamic Economics and Business Review (IESBIR) Kartika: Jurnal Studi Keislaman Jurnal Ekonomi Islam International Journal of Islamic Economics (IJIE) Idealita: Jurnal Pendidikan dan Sosial Keagamaan FIKROTUNA: Jurnal Pendidikan dan Manajemen Islam Journal of Islamic Economic Laws
Ridan Muhtadi
IAI Miftahul Ulum Pamekasan
Religion Arts Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Al Huquq : Journal of Indonesian Islamic Economic Law

 1 
Penerapan Model Hybrid Contract pada Akad Bai’ Al-Wafa’ Ma’al Ijarah dalam Produk Pembiayaan Muhtadi, Ridan; Safik, Moh; Suyudi, Moh; Fudholi , Moh
Al-Huquq: Journal of Indonesian Islamic Economic Law Vol. 5 No. 2 (2023)
Publisher : Fakultas Syariah IAIN madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/alhuquq.v5i2.8816

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan model hybrid contract pada akad Bai’ Al-Wafa’ Ma’al Ijarah dalam produk pembiayaan di BMT. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan studi kasus pada BMT Mawaddah. Data diperoleh melalui wawancara dengan pengurus dan anggota BMT serta analisis dokumen terkait akad Bai’ Al-Wafa’ Ma’al Ijarah. Hasil penelitian menunjukkan bahwa penerapan model hybrid contract pada akad Bai’ Al-Wafa’ Ma’al Ijarah dapat meningkatkan efektivitas pembiayaan dan meminimalkan risiko bagi BMT. Hybrid contract ini menggabungkan prinsip-prinsip dari dua jenis kontrak, yaitu Bai' al-wafa' dan Ijarah, sehingga dapat memperluas ruang lingkup pembiayaan yang ditawarkan oleh BMT. Selain itu, hybrid contract ini juga dapat mengurangi risiko default dan kerugian bagi BMT, karena terdapat jaminan dari pihak pengguna barang atau jasa yang disewakan. Meskipun demikian, penelitian ini juga menemukan beberapa kendala dalam penerapan hybrid contract pada akad Bai’ Al-Wafa’ Ma’al Ijarah di BMT Mawaddah, seperti kurangnya pemahaman dan kesadaran anggota BMT tentang hybrid contract, serta kendala dalam pelaksanaan akad tersebut. Oleh karena itu, penelitian ini merekomendasikan perlunya peningkatan pemahaman dan sosialisasi tentang hybrid contract pada akad Bai’ Al-Wafa’ Ma’al Ijarah kepada anggota BMT yang akan melakukan pembiayaan, serta perlu adanya bimbingan dalam pelaksanaan akad tersebut. (This research aims to analyze the application of the hybrid contract model on the Bai’ Al-Wafa’ Ma’al Ijarah contract in financing products at BMT. The research method used is qualitative with a case study approach on BMT Mawaddah. Data were obtained through interviews with BMT officials and members, as well as the analysis of documents related to the Bai’ Al-Wafa’ Ma’al Ijarah contract. The results of the study indicate that the application of the hybrid contract model on the Bai’ Al-Wafa’ Ma’al Ijarah contract can improve financing effectiveness and minimize risks for BMT. This hybrid contract combines principles from two types of contracts, Bai' Al-Wafa' and Ijarah, thus expanding the scope of financing offered by BMT. Additionally, the hybrid contract can also reduce default and loss risks for BMT since there are guarantees from the lessee of the goods or services leased. However, this research also found some challenges in the implementation of the hybrid contract on the Bai’ Al-Wafa’ Ma’al Ijarah contract at BMT, such as a lack of understanding and awareness of the hybrid contract among BMT members, and difficulties in executing the contract. Therefore, this study recommends the need for increased understanding and socialization of the hybrid contract on the Bai’ Al-Wafa’ Ma’al Ijarah contract among BMT members, as well as the need for guidance and training in executing the contract.)
Co-Authors ABD Aziz, ABD Abd Rohman Al Hadifi Abd. Wahab Abdul Ghoni Ach. Fauzi Lutfi Afandi, Muhammad Zainur Rahman Agustin, Fitriyana AL QORNI, FARID ILHAM Ali Murtadho Alifah Alifah Anindya Yusuf Wirmanda Anis Eliyana Arifin, Moh. Arifin, Nur Rachmat AUNUR ROFIQ Dhoqi Dofiri Dwi Ariady Kusuma Ervicaninda Herry Fahmi as-Sulthoni Fahrurrozi Fahrurrozi Fahrurrozi Fanani Mafatikul Ihsan Fanani Mafatikul Ihsan Faridatun Nila Faridatun Nila Faridatun Nila Faridatur Rosyidah Firdaus, Nabila Yuli Firman Ardiansyah Firman Ardiansyah Fitriyana Agustin Fitriyana Agustin Fitriyani, Novita Ayu Fudholi , Moh Gancar Candra Premananto Hannan, Abd. Hidayat , Moh. Nurul Ihsan, Fanani Mafatikul Imron Mawardi Inayah Swasti Ratih Istianah Istianah Kamali Kamali Kamali kamali kamali, kamali Karimah Karimah Linda Sari M Mohsi Mansur Mansur Mansur Mansur Maulia, Shirenda Rizka Mawarni, Iga Mi’raj, Denizar Abdurrahman Mi’raj, Denizar Abdurrahman Moch Qosyim Moh Arifin Moh Fudholi Moh Safik Moh Subhan Moh. Arifin Moh. Fudholi Moh. Fudholi Mohammad Adi Mohammad Adi Mohammad Zainal Muharrom, M. Syahrul Mumuh Muhammad Munawaroh, Hikmatul Muslikhin Muslikhin Muzakki Muzakki Nafiah, Ilfiatun Nila, Faridatun Nova Haryanto Nur Rachmat Arifin Nur Rachmat Arifin Nur Rachmat Arifin Nur Rachmat Arifin Nuri Herachwati Permana, Pramudia Yuly Eka Pramudia Yuli Eka Permana Pramudia Yuly Eka Permana Putri Cahya Rosyadah Qosyim, Moch R Wahyu Agung Utama R Wahyu Agung Utama R. Wahyu Agung Utama R. Wahyu Agung Utama R. Wahyu Agung Utama Rahman, Ahmad Taufiqur Ratih, Inayah Swasti RB Dandy Raga Utama Ririn Tri Ratnasari Risa Sari Pertiwi Risma Ayu Kinanti Rizatul Yunus, Muhammad Rizky Winanda Rofiki, Akhmad Rosyadah, Putri Cahya Ryval Ababil Safik, Moh Safik, Mohamad Sahal, Sakinah Saini Sakinah Sahal Shofa, Sirojul Arifin Siti Fatimah Siti Masfufa Siyah Siyah Sri Herianingrum Subaida Subaida Suyudi, Moh TAMIMAH TAMIMAH Tamimah, Tamimah Tate Agape Bawana Tsaniyatul Haliyah Utama, R Wahyu Agung Utama, R. Wahyu Agung Wahyuni ‎, Nanik Wisnu Bayu Aji Zaenol Hasan Zainurrafiqi Zainurrafiqi Zavirani Fitrandasari