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All Journal SYARI'AH : Jurnal Ekonomi Syari'ah Iqtishodia: Jurnal Ekonomi Syariah Journal of Islamic Economics and Business Review (JIEBR)
Sulaiman, Sofyan
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Penyimpangan Akad Murābahah Pada Perbankan Syariah di Indonesia Sulaiman, Sofyan
Iqtishodia: Jurnal Ekonomi Syariah Vol 1 No 2 (2016): #2
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

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Abstract

Di awal pendirian, perbankan syariah diisukan sebagai alternatif terhadap perbankan konvensional yang berbasis bunga. Ia dibangun atas dasar prinsip profit and loss sharing (bagi-hasil) karena ia dianggap konsep yang lebih berkeadilan. Produk bagi-hasil tersebut adalah mudārabah dan musyārakah. Namun dalam perjalanannya produk tersebut tidak begitu diminati oleh perbankan syariah, karena sistem bagi-hasil memiliki prosedur yang rumit, karena perbankan dituntut aktif dan terlibat terhadap usaha nasabah. Perbankan syariah lebih tertarik dengan sistem murābahah, karena keuntungan bersifat pasti dan tidak rumit dalam praktinya. Sehingga murābahah mendominasi 60%-90% dalam skema pembiayaan perbankan syariah. Hal inilah yang memicu sejumlah keritikan karena praktik murābahah tak ubahnya bunga dalam perbankan konvensional yang keuntungannya bersifat pasti, yang berbeda hanya basis akadnya saja, murābahah berdasarkan jual-beli, sementara bunga berbasis utang. Namun yang menjadi masalah adalah bukan pada akadnya, karena murābahah diakui secara syariah, yang menjadi masalah adalah terjadi penyimpangan dalam praktik akad murābahah, yang mengakibatkan akad tersebut batil secara syariah. Adapun penyimpangan tersebut terjadi pada (1) pelanggaran syarat murābahah, yaitu: syarat kepemilikan terhadap harta (milkiyah) dan harga awal yang diketahui (ra???sul māl ma???lūm) dan (2) penempatan akad murābahah pada transaksi yang salah dan (3) melibatkan maysir dalam mark up
JUAL BELI AKUN GAME ONLINE MOBILE LEGENDS BANG BANG Nabila, Nabila; Sulaiman, Sofyan; Azis, Said Abdul
Syari'ah Vol 12 No 2 (2024): Ekonomi Islam
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Universitas Islam Indragiri

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This study examines the buying and selling of Mobile Legends: Bang Bang accounts from the perspective of maqashid sharia and Islamic rationality. With the rapid growth of technology, online gaming has become a popular form of entertainment across all age groups, offering potential income opportunities. The research aims to assess whether these transactions bring more benefits (maslahah) than harms (mudharat), conserve natural resources, and align with Islamic principles. A qualitative research approach was employed to explore the mechanisms behind these transactions. Data was gathered through observation, interviews, and documentation, ensuring a comprehensive understanding of the practice. The study highlights that, according to maqashid sharia, evaluating an action requires considering both its positive and negative aspects. For instance, while the trade of khamr is prohibited due to its greater harms relative to benefits, exceptions are allowed in emergency situations—such as using khamr for medicinal purposes in controlled quantities. Using this analogy, the research suggests that despite technological advancements that support online game account trading, the practice may be considered irrational if it contradicts the Islamic rationality axiom that demands products be halal, thayyib, and free from waste. Ultimately, the study underscores the importance of applying traditional Islamic ethical frameworks to modern digital economic activities, ensuring that progress in technology is balanced with adherence to core Islamic values.
MANUSIA DAN PERILAKU EKONOMI PERSPEKTIF ISLAM: Studi Atas Pemikiran Taqiyuddin an-Nabhānī Sulaiman, Sofyan; Aisyah, Siti
Journal of Islamic Economics and Business Review (JIEBR) Vol 1 No 1 (2025): Islamic Economics and Business Review
Publisher : LPPM Universitas Islam Indragiri

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This article examines the concept of human nature and economic behavior in Islam according to Taqiyuddin an-Nabhānī. Unlike the homo economicus of neo-classical economics, Islam views humans as complex beings influenced by intellect (‘aql), instinct (ghāriẓah), and physical needs (ḥājah al-‘uḍhwiyyah), all of which are governed by aqīdah (creed). One’s mindset (mafāhīm) and attitude (nafsiyyah) reflect their belief system. An-Nabhānī emphasizes that belief in divine destiny does not negate human free will (ikhtiyār), but rather balances God's will, natural laws, and individual moral responsibility. He also outlines the concept of ownership: private, public, and state-owned—where public ownership must be managed for the benefit of society. According to An-Nabhānī, the ideal Islamic economic framework is built upon sharī‘ah and aqīdah, integrating social justice, ethical worship, and a balance between human effort and reliance on God (tawakkul).
Co-Authors Azis, Said Abdul Nabila, Nabila Siti Aisyah