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All Journal Al-Buhuts (e-journal) Al-bank: Journal of Islamic Banking and Finance
Jasri Waldi
Universitas Islam Negeri Mahmud Yunus Batusangkar
Religion Economics, Econometrics & Finance Social Sciences

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The Transformation of Fiqh and the Implementation of Musyarakah Mutanaqisah as an Instrument of Just Islamic Financing in Indonesia Fitri Yenti; Syukri Iska; Hospi Burda; Kumaidi Kumaidi; Jasri Waldi
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 2 (2026): July - Desember 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i2.17183

Abstract

This study examines the fiqh transformation of Musyarakah Mutanaqisah as a Sharia-based financing model in Indonesia by assessing the alignment between fiqh theory, the DSN–MUI fatwa, and banking practices. Although Musyarakah Mutanaqisah is conceptually grounded in partnership, gradual ownership, and risk sharing, its implementation across Islamic banks demonstrates a persistent tendency to resemble conventional credit structures, particularly through fixed rental margins, limited transparency, and weak risk-sharing mechanisms. This research employs a library-based qualitative approach using a normative–maqasidi framework combined with critical–empirical analysis. The findings indicate that the reconstruction of Musyarakah Mutanaqisah must be oriented towards the substantive realisation of Maqasid al-Shariah, particularly justice, public interest, and the protection of wealth. Reformulation is required in contractual structures, accounting systems, Sharia supervision, and the integration of sustainability values. Accordingly, Musyarakah Mutanaqisah holds the potential to evolve into a more equitable, transparent, and welfare-oriented Sharia financing instrument.
Genealogi Jaringan Intelektual Ekonomi Islam: Interkoneksi Ulama, Institusi, dan Transformasi Pemikiran Era Klasik hingga Kontemporer Kumaidi Kumaidi; Syukri Iska; Fauzani Fauzani; Jasri Waldi; Fitri Yenti
Al-Buhuts Vol. 22 No. 1 (2026): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v22i1.8090

Abstract

This article is a conceptual paper based on historical-genealogical literature review that aims to build an intellectual genealogy model of Islamic economics. Previous studies have tended to address figures, institutions, or research trends separately (see e.g. single-figure studies, bibliometric studies, or historical studies of educational institutions), so there is no framework that brings these three elements together in a single analytical model. Based on a critical synthesis of 15 selected sources through the PRISMA protocol, this study offers a major contribution in the form of a triadic layered genealogy model that connects (1) the scholarly sanad of three influential classical scholars  Al-Ghazali, Ibn Khaldun, and Ibn Taymiyah  as a network that complements each other despite different emphasis (individual ethics, social dynamics, and state regulation); (2) Islamic educational institutions, from halaqah and madrassas to modern Islamic universities, as the node of transmission that most determines the sustainability of ideas across generations; and (3) adaptive transformation mechanisms through instruments such as waqf and shariah governance, which on the other hand are vulnerable to being distorted by neoliberal financialisation and epistemic hegemony, including halal-washing practices. Given that the scope of the study is limited to 15 selected literature, these findings are intended as an initial conceptual model, rather than a comprehensive generalization across eras and regions. This model is expected to be a foothold for the development of a curriculum based on intellectual genealogy and the strengthening of epistemological criticism of the commercialization of contemporary Islamic economics.
Co-Authors Fauzani Fauzani Fitri Yenti Hospi Burda Kumaidi Kumaidi Syukri Iska, Syukri