Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal International Journal of Nusantara Islam International Journal of Nusantara Islam
Aminuddin Busairi
UIN Sunan Kalijaga Yogyakarta
Religion Arts Humanities Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Tanāzul Ḥaqq: A Strategy for Islamic Banks to Maintain Competitiveness Deposits in the Profit-Sharing System Aminuddin Busairi
International Journal of Nusantara Islam Vol 14 No 2 (2026): International Journal of Nusantara Islam
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijni.v14i2.52934

Abstract

This study examines the strategic role of Tanāzul Ḥaqq (voluntary relinquishment of rights) as a mechanism that enables Islamic banks to enhance competitiveness within the profit-sharing system. Islamic banks continue to face structural challenges due to competition with conventional institutions that offer fixed and predictable returns, particularly to corporate and institutional clients. This research aims to analyze the fiqh foundations, strategic benefits, and potential risks of Tanāzul Ḥaqq within the context of modern Islamic banking. This research employs a qualitative, library-based method, drawing on classical and contemporary fiqh literature, DSN-MUI fatwas, OJK regulations, Islamic banking reports, and relevant academic studies. A descriptive-analytical approach is applied to evaluate both the Sharīʿah basis and strategic implications of Tanāzul Ḥaqq. The study finds that Tanāzul Ḥaqq is permissible when the waived right has fully materialized, is voluntary, does not alter the essence of the contract, and avoids elements of gharar and riba-like manipulation. Strategically, Tanāzul Ḥaqq enhances product attractiveness, stabilizes bank income, increases operational flexibility, and strengthens customer loyalty. Nevertheless, it carries risks such as information asymmetry, bargaining power imbalance, and potential deviation from the principle of fairness. The effective application of Tanāzul Ḥaqq requires maximum transparency, strong risk governance, and proactive customer education to maintain Sharīʿah compliance and market competitiveness. Originality/Value: This study integrates fiqh analysis with strategic management perspectives, offering a comprehensive framework for implementing.
Tanāzul Ḥaqq: A Strategy for Islamic Banks to Maintain Competitiveness Deposits in the Profit-Sharing System Aminuddin Busairi
International Journal of Nusantara Islam Vol 14 No 2 (2026): International Journal of Nusantara Islam
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijni.v14i2.52934

Abstract

This study examines the strategic role of Tanāzul Ḥaqq (voluntary relinquishment of rights) as a mechanism that enables Islamic banks to enhance competitiveness within the profit-sharing system. Islamic banks continue to face structural challenges due to competition with conventional institutions that offer fixed and predictable returns, particularly to corporate and institutional clients. This research aims to analyze the fiqh foundations, strategic benefits, and potential risks of Tanāzul Ḥaqq within the context of modern Islamic banking. This research employs a qualitative, library-based method, drawing on classical and contemporary fiqh literature, DSN-MUI fatwas, OJK regulations, Islamic banking reports, and relevant academic studies. A descriptive-analytical approach is applied to evaluate both the Sharīʿah basis and strategic implications of Tanāzul Ḥaqq. The study finds that Tanāzul Ḥaqq is permissible when the waived right has fully materialized, is voluntary, does not alter the essence of the contract, and avoids elements of gharar and riba-like manipulation. Strategically, Tanāzul Ḥaqq enhances product attractiveness, stabilizes bank income, increases operational flexibility, and strengthens customer loyalty. Nevertheless, it carries risks such as information asymmetry, bargaining power imbalance, and potential deviation from the principle of fairness. The effective application of Tanāzul Ḥaqq requires maximum transparency, strong risk governance, and proactive customer education to maintain Sharīʿah compliance and market competitiveness. Originality/Value: This study integrates fiqh analysis with strategic management perspectives, offering a comprehensive framework for implementing.
Co-Authors