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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah
Rini Wahyuni Batubara
Sekolah Tinggi Agama Islam Negeri Mandailing Natal
Economics, Econometrics & Finance Social Sciences

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The Implementation of Sharia Contracts in Islamic Banking Operations: A Fiqh al-Muamalah Perspective Rini Wahyuni Batubara; Jureid; Mhd Rezki Fadly Lubis; Warda Afriani; Riska Amelia
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 4 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i4.31788

Abstract

Penelitian ini membahas implementasi akad-akad dalam operasional bank syariah berdasarkan perspektif fiqih muamalah. Penelitian bertujuan untuk mengetahui penerapan akad penghimpunan dana, pembiayaan jual beli, pembiayaan bagi hasil, akad sewa, serta prinsip kehati-hatian dalam operasional bank syariah. Metode penelitian yang digunakan adalah penelitian kualitatif dengan pendekatan studi kepustakaan melalui berbagai jurnal dan buku terkait ekonomi Islam dan fiqih muamalah. Hasil penelitian menunjukkan bahwa implementasi akad pada bank syariah telah menggunakan akad yang sesuai dengan prinsip syariah, seperti wadi’ah, mudharabah, murabahah, salam, istishna’, musyarakah, ijarah, dan ijarah muntahiya bit tamlik. Penerapan akad tersebut dilakukan berdasarkan prinsip keadilan, transparansi, kerelaan, dan penghindaran unsur riba, gharar, serta maisir. Selain itu, penerapan prinsip kehati-hatian dan pengawasan Dewan Pengawas Syariah berperan penting dalam menjaga kepatuhan syariah pada operasional bank syariah. Meskipun demikian, masih terdapat tantangan berupa rendahnya literasi masyarakat dan potensi penyimpangan akad sehingga diperlukan penguatan edukasi dan pengawasan syariah agar implementasi akad berjalan sesuai dengan prinsip fiqih muamalah.
Mekanisme Sukuk Hijau: Tinjauan Regulasi dan Praktik di Indonesia Rini Wahyuni BatuBara; MHD Reski Padly Lubis; Kholidatun Napisah; Ferdiansyah; Paisal Rahmat
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 2 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i2.31271

Abstract

Green sukuk is an Islamic financial instrument used to finance environmentally friendly projects in supporting sustainable development. Indonesia became a pioneer in issuing green sukuk in 2018, reflecting its commitment to integrating economic and environmental aspects. This study aims to analyze the mechanisms, regulations, and implementation of green sukuk in Indonesia. The method used is a literature study with a descriptive qualitative approach. The results show that green sukuk plays a strategic role in financing green infrastructure and supporting the achievement of sustainable development goals. However, its development still faces challenges such as limited human resources, low public literacy, and risks associated with environmental projects. Therefore, stronger regulations and increased education are needed to support the optimal development of green sukuk.
Co-Authors Ferdiansyah Jureid Kholidatun Napisah MHD Reski Padly Lubis Mhd Rezki Fadly Lubis Paisal Rahmat Riska Amelia Warda Afriani