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All Journal Jurnal Kajian Islam Modern
Azifah Hadiyati
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Religion Chemistry Economics, Econometrics & Finance Public Health Social Sciences

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REKONSTRUKSI KEDUDUKAN WA’AD DALAM PRODUK PERBANKAN SYARIAH: ANALISIS KOMPARATIF DENGAN AKAD DAN IMPLIKASINYA TERHADAP KEPASTIAN HUKUM Meli Diana Fitri; Syukri Iska; Azifah Hadiyati
JURNAL KAJIAN ISLAM MODERN Vol 15 No 01 (2026): September 2026
Publisher : Institut Agama Islam Sahid (INAIS) Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/jkim.v15i01.1041

Abstract

This study aims to reconstruct the position of wa'ad in Islamic banking products through a comparative analysis with contracts, both from the perspective of muamalah fiqh and Islamic financial industry practices. The research method used is a qualitative-normative approach, through an analysis of classical and contemporary literature, fatwas of Islamic authorities, and regulations related to Islamic banking. The results show that conceptually, wa'ad is a unilateral commitment that does not have the same binding force as a contract. However, in industrial practice, it often undergoes transformation into a quasi-contract with legal implications. This condition creates ambiguity between the moral and legal dimensions of wa'ad, and has the potential to violate the basic principles of contracts in Islam. This study proposes a reconstruction of the status of wa'ad as a pre-contract instrument with limited binding power (binding under certain conditions) while maintaining the fundamental distinction of the contract. The implications of this reconstruction are the creation of clear contractual structures in Islamic banking products, increased legal certainty, and the strengthening of the principle of Sharia compliance in industrial practices.
PROSES PEMBENTUKAN DAN IMPLEMENTASI BUDAYA ORGANISASI ADAPTIF BERBASIS NILAI-NILAI ISLAM: PERSPEKTIF MANAJEMEN SYARIAH KONTEMPORER Ega Saputra; Azifah Hadiyati; Fandi Ahmad Marlion
JURNAL KAJIAN ISLAM MODERN Vol 15 No 01 (2026): September 2026
Publisher : Institut Agama Islam Sahid (INAIS) Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/jkim.v15i01.1043

Abstract

This study aims to analyze the formation process, determinants, and implementation mechanisms of an adaptive organizational culture based on Islamic values ​​from a contemporary sharia management perspective. The approach used was a qualitative one using the Systematic Literature Review (SLR) method of 20 reputable journal articles (Sinta, Scopus, Springer) in the period 2018–2026. The results show that the formation of an adaptive organizational culture based on Islamic values ​​is a process involving the internalization of core values ​​such as amanah (trust), justice, and ihsan (good deeds), which are strengthened by the role of sharia leadership and integrated into organizational systems and practices. The success of this process is influenced by several key factors, namely values-based leadership, organizational system alignment, adaptability to change, and continuous learning. Furthermore, the mechanisms for implementing organizational culture are implemented through value formulation, integration into policies, human resource development, implementation in work practices, and ongoing evaluation. This study also found that the integration between Islamic principles and the demands of organizational adaptability resulted in the concept of value-driven adaptability, which allows organizations to remain responsive to environmental dynamics without losing their ethical and spiritual foundations. This research contributes to the development of sharia organizational management literature by offering an integrative conceptual model and providing practical implications for organizations in building an adaptive and sustainable culture.
Co-Authors Ega Saputra Fandi Ahmad Marlion Meli Diana Fitri Syukri Iska