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All Journal Tahkim (Jurnal Peradaban dan Hukum Islam) Syiar Hukum: Jurnal Ilmu Hukum Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Laa Maisyir Jurnal Ekonomi Islam Jurnal Intelektualita: Keislaman, Sosial, dan Sains Law and Justice Jurnal Hukum Acara Perdata ADHAPER Jurnal Ilmiah Universitas Batanghari Jambi al-Afkar, Journal For Islamic Studies Jurnal Istiqro' Edukasi Islami: Jurnal Pendidikan Islam QARDHUL HASAN: MEDIA PENGABDIAN KEPADA MASYARAKAT Legal Standing : Jurnal Ilmu Hukum Istinbath: Jurnal Hukum dan Ekonomi Islam PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat JCRS (Journal of Community Research and Service) Amwaluna Jurnal Ekonomi dan Keuangan Syariah Pena Justisia: Media Komunikasi dan Kajian Hukum LISAN AL-HAL: Jurnal Pengembangan Pemikiran dan Kebudayaan Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Jurnal Hukum Acara Perdata Indonesian Journal of Islamic Economics Research Jurnal Manajemen dan Bisnis Jayakarta Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Iqtishod : Jurnal Ekonomi Syariah International Journal of Educational Review, Law And Social Sciences (IJERLAS) Indonesian Journal of Social Science Research Al-Muamalat : Jurnal Ekonomi Syariah Jurnal Iqtisaduna Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Indonesian Journal of Multidisciplinary Science Jurnal Riset Ekonomi Syariah Milkiyah: Jurnal Hukum Ekonomi Syariah Bandung Conference Series : Sharia Economic Law Bandung Conference Series : Syariah Banking Jurnal Riset Perbankan Syariah Sewagati Fastabiq: Jurnal Studi Islam Jurnal Rekognisi Ekonomi Islam (JREI)
Panji Adam Agus Putra
Universitas Islam Bandung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Analisis Fikih Muamalah terhadap Praktik Multi Akad pada Tabugan Paket Lebaran di Kampung Tugu Laksana Geugeut Kinasih Wahyuni; Panji Adam Agus Putra; Intan Nurrachmi
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 2 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i2.13654

Abstract

Abstract. This research was carried out with the aim of analyzing the implementation of hybrid-contract practices on savings packages in Kampung Tugu Laksana. The method used in this research is a qualitative case study method that is empirical. The data collection technique is carried out through observations and interviews with sources related to the topics studied, such as business owners/providers and members of the program of savings savings in Kampung Tugu laksana. The results of this study show that in practice, the Eid package savings in Kampung Tugu Laksana combine three contracts into one transaction; these contracts include wadi'ah, qardh, and ba'i contracts. The merger of the three contracts based on the analysis of muamalah fiqh is a fasid (damaged) contract because there are conditions that have not been fulfilled in the ba'i contract, namely conditions related to the clarity and certainty of the price and quality of goods, so that it causes light gharar (khofi). And there is an additional fee on loan repayment (qardh) of 3.5% as a service fee that can be hilah ribawi. Thus, the merger between the wadi'ah, ba'i, and qardh contracts in the practice of saving Eid packages in Kampung Tugu Laksana based on the analysis of muamalah fiqh is declared invalid and is a fasid (damaged) contract. Abstrak. Penelitian ini dilakukan dengan tujuan untuk menganalisis pelaksanaan praktik multi akad pada tabungan paket lebaran di Kampung Tugu Laksana ditinjau berdasarkan fikih muamalah. Metode yang digunakan pada penelitian ini merupakan metode kualitatif studi kasus yang bersifat empiris. Teknik pengumpulan data dilakukan melalui observasi dan wawancara bersama nara sumber yang berkaitan dengan topik yang diteliti, seperti pemilik usaha dan anggota program tabungan lebaran di Kampung Tugu Laksana. Hasil penelitian ini menunjukkan bahwa pada praktiknya, tabungan paket lebaran di Kampung Tugu Laksana ini menggabungkan tiga akad dalam satu transaksi, akad-akad tersebut diantaranya adalah akad wadi’ah, qardh dan ba’i. Adapun penggabungan ketiga akad tersebut berdasarkan analisis fikih muamalah merupakan akad yang fasid (rusak) karena terdapat syarat yang belum terpenuhi pada akad ba’i yaitu syarat yang berkenaan dengan kejelasan/kepastian harga dan kualitas barang sehingga menimbulkan gharar ringan (khofi). Serta terdapat tambahan biaya pada pengembalian pinjaman (qardh) sebesar 3,5% sebagai biaya jasa yang dapat menjadi hilah ribawi. Dengan demikian, penggabungan antara akad wadi’ah, ba’i, dan qardh pada praktik tabungan paket lebaran di Kampung Tugu Laksana berdasarkan analisis fikih muamalah dinyatakan tidak sah dan merupakan akad yang fasid (rusak).
Analisis Etika Bisnis Islam terhadap Praktik Jual Beli Emas dengan Sistem Pembulatan di Toko Emas Berkah Kabupaten Purwakarta Miftah Farid Aziez; Panji Adam Agus Putra; Arif Rijal Anshori
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 2 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i2.14581

Abstract

Abstract. Business ethics in Islamic law is morality in conducting business according to Islamic values, so in running their business, there is no need to worry because it is already believed to be good and right. Islamic business ethics teaches several fundamental principles of business ethics, including unity, equilibrium, free will, responsibility, and benevolence. With several principles of Islamic business ethics, the behavior of these business actors is monitored to ensure that no one is disadvantaged. This can be linked to the rules or systems of one of the business actors, such as the rounding system in Berkah Gold Shop. The purpose of this study is to analyze Islamic business ethics in the practice of buying and selling gold with a rounding system at Berkah Gold Shop, Purwakarta Regency. This research uses a qualitative research method, specifically field research, with primary and secondary data sources. Data collection techniques include observation and interviews. The results show that the practice of using a rounding system in weighing gold aims to simplify and expedite transaction calculations, responding to consumer demand for ease in specifying weights. Based on the analysis of Islamic business ethics, the practice of buying and selling with a rounding system at Berkah Gold Shop aligns with the principles of Islamic business ethics by fulfilling all five aspects of these principles.‎ Abstrak. Etika bisnis dalam syariat Islam adalah akhlak dalam menjalankan bisnis sesuai dengan nilai-nilai Islam, sehingga dalam menjalankan bisnisnya tidak perlu ada kekhawatiran sebab sudah diyakini sebagai sesuatu yang baik dan benar. Etika bisnis Islam mengajarkan beberapa prinsip dasar etika bisnis diantaranya kesatuan (unity), keseimbangan/ adil (equilibrium), kebebasan berkehendak (free will), tanggung jawab (responsibility) dan kebenaran (benevolence). Dengan adanya beberapa prinsip etika bisnis Islam, maka perilaku-perilaku pelaku bisnis ini terawasi agar tidak ada pihak yang dirugikan, hal ini dapat dihubungkan dengan aturan atau sistem di salah satu pelaku usaha, seperti sistem pembulatan timbangan di Toko Emas Berkah. Tujuan penelitian ini adalah untuk analisis etika bisnis Islam terhadap praktik jual beli dengan sistem pembulatan timbangan di Toko Emas Berkah Kabupaten Purwakarta. Penelitian ini menggunakan metode penelitian kualitatif. Jenis penelitian yang dilakukan adalah jenis penelitian lapangan, sumber data penelitian menggunakan data primer dan sekunder. Teknik pengumpulan data menggunakan observasi dan wawancara. Hasil penelitian menunjukan bahwa praktik sistem pembulatan timbangan yang dilakukan adalah untuk mempermudah dan mempercepat proses perhitungan dalam transaksi, serta banyaknya permintaan konsumen yang ingin mudah dalam menyebutkan timbangan. Berdasarkan analisis etika bisnis Islam bahwa praktik jual beli dengan sistem pembulatan di toko emas berkah telah selaras dengan prinsip-prinsip etika bisnis Islam yaitu dengan terpenuhinya kelima aspek prinsip etika bisnis Islam.‎‎
Analasis Prinsip-Prinsip Muamalah dan Peraturan Pemerintah Nomor 39 Tahun 2021 tentang Penyelenggaraan Bidang Jaminan Produk Halal Terkait Pendampingan Proses Sertifikasi Halal dengan Mekanisme Self Declare Intan Rahmawati; Panji Adam Agus Putra; Arif Rijal Anshori
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 2 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i2.15091

Abstract

Abstract. Halal certification with self-declaration mechanism is designed to accelerate halal certification in Indonesia. In practice, this mechanism must be supported by the PPH accompaniment. Many of the groups that participate in this PPH, on one side can help the efficiency of the process of halal certification but on the other side the emergence of the problem of halal accompanying can be seen. Based on the phenomenon, then the problems in this study are formulated as follows: (1) How does the mechanism of accompanying PPH on halal certification with self declare mechanism? (2) How is the review of the principles of abuse and Government Regulation No. 39 of 2021 on the maintenance of the field of guarantee of halal products against the attachment of PPH to halal certification with self-declaration mechanism? The researchers used normative jurisprudential methods using legislative and conceptual approaches. The data collection technique used in this research is a library study. The results of this study are: halal certification with self-declaration mechanisms has gone pretty well. However, there are still obstacles, including the lack of halal awareness to the obstacles of the application of SIHALAL. From the perspective of the principles of abuse and Government Regulation No. 39 Year 2021, the accompanying of PPH on halal certification with self declare mechanisms has not fully met the applicable requirements. In particular, there are shortcomings in the application of the principles of fairness, trust, and written principles. Abstrak. Sertifikasi Halal dengan mekanisme self declare dirancang untuk akselerasi sertifikat halal di Indonesia. Dalam praktiknya mekanisme ini harus di dampingi oleh pendamping PPH. Banyaknya kalangan yang berpartisipasi menjadi pendamping PPH ini, disatu sisi dapat membantu efisiensi proses sertifikasi halal akan tetapi disisi lain terlihat munculnya problematika pendamping halal. Berdasarkan fenomena tersebut, maka permasalahan dalam penelitian ini dirumuskan sebagai berikut: (1) Bagaimana mekanisme pendampingan PPH pada sertifikasi halal dengan mekanisme self declare? (2) Bagaimana tinjauan prinsip-prinsip muamalah dan Peraturan Pemerintah Nomor 39 tahun 2021 tentang penyelenggaraan bidang jaminan produk halal terhadap pendampingan PPH pada sertifikasi halal dengan mekanisme self declare?. Peneliti menggunakan metode yuridis normatif dengan menggunakan pendekatan perundang-undangan dan Konseptual. Teknik pengumpulan data yang digunakan dalam penelitian ini adalah studi pustaka. Adapun teknik analisis data yang digunakan dalam penelitian ini adalah teknis analisis kualitatif. Hasil dari penelitian ini adalah: sertifikasi halal dengan mekanisme self declare telah berjalan cukup baik. Namun, masih terdapat kendala yaitu meliputi kurangnya halal awareness sampai kendala dari aplikasi SIHALAL. Dari perspektif prinsip-prinsip muamalah dan Peraturan Pemerintah Nomor 39 Tahun 2021, pendampingan PPH pada sertifikasi halal dengan mekanisme self declare belum sepenuhnya memenuhi ketentuan yang berlaku. Khususnya, ada kekurangan dalam penerapan prinsip maslahah , prinsip amanah, dan prinsip tertulis.
Tinjauan Hukum Islam terhadap Jual Beli Buah Durian pada Pohonnya Imam Mugi; Zaini Abdul Malik; Panji Adam Agus Putra
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 2 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i2.15352

Abstract

Abstract. Buying and selling is an agreement to exchange objects (goods) that have value, on the basis of willingness (agreement) between two parties in accordance with the agreement or conditions justified by syara'. The practice of buying and selling contains elements of ghoror (obscurity). This violates the principles of Islamic law against buying and selling, where in Islamic law the practice of buying and selling one of the conditions must be clear. The reason for conducting this research is to find out how Islamic law reviews the practice of buying and selling durian on trees in the area of ​​Kampung Bojong Serang, Banten. This research belongs to the type of qualitative research, which is a process based on a methodology that investigates a social phenomenon and human problems. This sale and purchase is said to be permissible or permissible if both parties know the terms and pillars of the legal sale and purchase, but it is said to be invalid if the sale and purchase of durian fruit is seen from Islamic law the pillars have been fulfilled while the terms are not fulfilled because the object is not clear the quality and the quantity. Abstrak. Jual beli adalah suatu perjanjian tukar menukar benda (barang) yang mempunyai nilai, atas dasar kerelaan (kesepakatan) antara dua belah pihak sesuai dengan perjanjian atau ketentuan yang dibenarkan oleh syara’. Praktik jual beli itu terdapat unsur ghoror (ketidak jelasan) hal ini melanggar perinsip hukum Islam terhadap jual beli, dimana dalam hukum islam praktik jual beli salah satu syaratnya harus jelas. Alasan melakukan penelitian ini adalah untuk mengetahui bagaimana tinjauan hukum Islam terhadao praktik jual beli durian di pohon di daerah Kampung Bojong Serang Banten. Penelitian ini termasuk kedalam jenis penelitian kualitatif, yaitu suatu proses berdasarkan pada metodologi yang menyelidiki suatu fenomena sosial dan masalah manusia. Jual beli ini di katakan mubah atau boleh dilakukan apabila kedua belah pihak mengetahui syarat dan rukun sahnya jual beli, namun dikatakan tidak sah apabila jual beli buah durian dipohon di lihat dari hukum islam sudah terpenuhi rukunnya sementara secara syarat tidak terpenuhi karena objeknya tidak jelas kualitas dan kuantitasnya.
TINJAUAN HUKUM ISLAM TERHADAP KEUNTUNGAN (DISKON) MELALUI METODE PEMBAYARAN SHOPEEPAY Nur Arifah, Siti Asiyah; Fattah, Athiyatul; Fadhilah, Salma Nurul; Agus Putra, Panji Adam
Tahkim (Jurnal Peradaban dan Hukum Islam) Vol 7, No 2 (2024)
Publisher : Prodi Hukum Keluarga Islam (Ahwal Asy-Syakhsiyyah) Fakultas Syariah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/tahkim.v7i2.11160

Abstract

Pada zaman yang serba digital, para pembeli maupun penjual sudah terbiasa dengan melakukan penggunaan pembayaran secara digital seperti yang diterapkan oleh aplikasi online yaitu shopee dengan adanya Shopeepay. Tujuan penelitian ini adalah untuk mengetahui tinjauan hukum Islam terhadap transaksi Shopeepay dan hukum diskon melalui metode pembayaran Shopeepay. Pendekatan dalam penelitian ini menggunakan yuridis normative. Jenis penelitian ini tergolong ke dalam penelitian studi Pustaka dengan metode kualitatif. Hasil penelitian menunjukkan bahwa Ada beberapa pendapat perihal dasar hukum dalam penggunaan Shopeepay dalam transaksinya. Pendapat pertama mengatakan bahwa pada dasarnya hukum muamalah ialah boleh selama tidak ada dalil yang melarangnya. Dengan syarat ialah tidak adanya transaksi riba di dalamnya dan aplikasi Shopee ini hanya menyediakan pembayaran online saja. Pendapat kedua mengatakan bahwasannya pembayaran melalui Shopeepay hukumnya haram karena Shopeepay ini sama halnya dengan funding dana yang bertujuan untuk menghimpun dana dari masyarakat dengan berbagai macam promo yang ditawarkan dan didalamnya terdapat riba. Keuntungan atau diskon dari metode pembayaran Shopeepay seperti voucher diskon dan lain sebagainya dalam Islam termasuk ke dalam riba qordh, karena keuntungan tersebut didapatkan dari simpanan dana yang disimpan di Shopeepay yang dananya akan digunakan untuk kegiatan shopeepay later. In this digital era, both buyers and sellers have become accustomed to using digital payments, as implemented by online applications such as Shopee with its ShopeePay feature. The purpose of this study is to examine the perspective of Islamic law on ShopeePay transactions and the ruling on discounts through the ShopeePay payment method. This research adopts a normative juridical approach. The type of research is classified as a library study using qualitative methods. The results of the study indicate differing opinions regarding the legal basis for the use of ShopeePay in transactions. The first opinion states that, in principle, the law of muamalah (transactions) is permissible as long as there is no evidence prohibiting it. This is subject to the condition that there is no usurious transaction involved and that the Shopee application merely provides an online payment method. The second opinion argues that payments through ShopeePay are prohibited because ShopeePay is similar to a funding platform aimed at collecting funds from the public through various promotional offers, which include elements of riba (usury). Discounts or benefits from ShopeePay payment methods, such as discount vouchers and others, are classified as riba qardh in Islamic law because these benefits are derived from funds deposited in ShopeePay. These funds are subsequently used for ShopeePay Later activities.
The Rulings on Capital Return Guarantees in Mudhârabah (Profit Sharing) Contracts: A Comparative Study Between The AAOIFI Sharia Standards and The DSN-MUI Fatwas Agus Putra, Panji Adam; Saripudin, Udin; Nurrachmi, Intan
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 15, No 1 (2023)
Publisher : Faculty of Sharia and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v1i1.30494

Abstract

Abstract. This study aims to identify and analyze the legal constructions of capital guarantees in the AAOIFI Sharia Standards and the DSN-MUI Fatwas. This is normative legal research with a specific comparative approach. This research shows that the rulings of the AAOIFI Sharia Standards are more reassuring and prioritize the principle of ihtiyāth (precaution). Meanwhile, the legal provision of the DSN-MUI fatwas, allowing the capital manager to guarantee a return on business capital, is a commitment in the form of tabarru from the fund manager. T he commitment should be fulfilled since it is a wa’ad mulzim (binding promise). T his legal provision of the DSN-MUI Fatwas is a form of innovative ijtihad that seems different from the opinions of most scholars used as the legal basis of the AAOIFI. However, the DSN-MUI’s fatwa is supported by various arguments and is more applicative. Abstrak. Penelitian ini bertujuan untuk mengetahui dan menganalisis konstruksi hukum jaminan modal dalam Standar Syariah AAOIFI dan Fatwa DSN MUI. Penelitian ini merupakan penelitian hukum normatif dengan pendekatan komparatif. Penelitian ini menunjukkan bahwa ketentuan Standar Syariah AAOIFI lebih tepat dan mengedepankan prinsip ihtiyāth (kehati-hatian). Sedangkan ketentuan hukum fatwa DSN-MUI yang memperbolehkan pengelola modal dengan jaminan pengembalian modal adalah komitmen dalam bentuk tabarru dalam pengelolaan dana. Komitmen tersebut harus dipenuhi karena merupakan wa’ad mulzim (janji mengikat). Ketentuan hukum Fatwa DSN MUI ini merupakan bentuk ijtihad inovatif yang nampaknya berbeda dengan pendapat kebanyakan ulama yang dijadikan landasan hukum AAOIFI. Namun, fatwa DSN-MUI didukung oleh berbagai argumentasi dan lebih aplikatif.
Pendampingan Koperasi Syariah Berbasis Mesjid: Companiment of Mosque-Based Sharia Cooperatives Srisusilawati, Popon; Putra, Panji Adam Agus
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 10 No. 6 (2025): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v10i6.9066

Abstract

This community service aims to develop economic activities that focus on the establishment of a mosque-based cooperative in RW 08 Antaapani Wetan Village to introduce the community's sharia economy so that the economy becomes better. The minimum achievement indicator is having an understanding of the basics of Islamic economics. The target of establishing a mosque-based cooperative in RW 08 is the local Mosque Prosperity Council. The method used in this community service is using effective socialization methods to the community, training, and mentoring. The activities that will be carried out are empowering DKM by providing socialization, training, and mentoring for mosque-based cooperatives. Assistance is carried out until the end of the program implementation period and after the program ends.
The Application of Ijtihâd Takhrîj in Contemporary Sharia Business Agus Putra, Panji Adam
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 11 No. 2 (2024): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i2.35389

Abstract

This research aims to elaborate on the concept of ijtihâd takhrîj, which was introduced by scholars to address evolving contemporary legal issues. It also seeks to analyze the application of ijtihâd takhrîj in the field of mu’âmalah mâliyyah or Islamic economic law. The approach used in this research is a normative juridical approach. This research is classified as a literature study and uses secondary data. The results of the study indicate that: first, ijtihâd takhrîj is crucial for realizing the efforts of ijtihâd to solve legal issues, including Islamic economic law, which is continuously developing; and second, in practice, ijtihâd takhrîj is applied to address contemporary legal issues in mu’âmalah mâliyyah activities. Some applications of ijtihâd takhrîj in contemporary sharia business such as law of commercial insurance, intellectual property rights, issues of inflation, law on giving discounts, law of travel checks, law of savings deposits, credit and debit cards, buying and selling via social media, law of compensatory payments in transactions, and Sharia-Based Financial Technology Peer-To-Peer Lending.
MUTHAWWIF COMPETENCY IMPROVEMENT TRAINING IN THE SERVICE OF HAJJ AND UMRAH PILGRIMS IN SAUDI ARABIA Intan Nurrachmi; Neni Sri Imaniyati; Panji Adam Agus Putra
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 4 No. 4 (2024): July
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v4i4.1728

Abstract

Training is one of the crucial elements in strengthening the professional capabilities of Muthawwif, a spiritual and practical companion for Hajj and Umrah pilgrims in Saudi Arabia. This PKM explores the significance of training in improving the competence of Muthawwif, focusing on improving services and pilgrim experience. Effective training methods integrate key aspects, including religious knowledge, time management, intercultural communication, as well as emergency situation handling skills. Analysis of the training results shows a marked improvement in the quality of services provided by Muthawwif, as well as its positive influence on pilgrim satisfaction and safety. The implications of this increased competence pave the way for further development in supporting spiritual and safety experiences for Hajj and Umrah pilgrims in Saudi Arabia.
The Paradox of Mu'allaq Contracts in Murabahah Financing Putra, Panji Adam Agus; Durahman, Dani; Kurniawan, Cecep Soleh; Hatta, Muhammad
Milkiyah: Jurnal Hukum Ekonomi Syariah Vol. 4 No. 2 (2025): Milkiyah: Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Agama islam Negeri Majene

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46870/milkiyah.v4i2.1576

Abstract

Islamic economics requires strict adherence to contracts that comply with Sharia law, but contemporary financial practices, particularly tamlîk (purchase with ownership rights) and mu’âwadhat (reciprocal exchange) agreements, often face challenges related to gharar (excessive uncertainty), raising critical questions about their validity under Islamic law. This study focuses on resolving one of the most controversial issues in modern Islamic finance: the validity of mu’allaq contracts in murabahah financing structures. Through a normative legal approach, this study systematically analyses classical fiqh literature, fatwa from the Indonesian National Sharia Council (DSN-MUI), and regulatory guidelines such as the OJK Murabahah Guidelines, revealing fundamental differences of opinion among scholars. The validity of mu'allaq contracts in Islamic finance remains a subject of debate, with classical scholars from the Hanafi, Shafi'i, and Hanbali schools rejecting them as non-binding tabarru', while contemporary scholars permit them based on the principle of contractual freedom. This study discloses that transparent mu'allaq murabahah contracts, implemented under sharia supervision, effectively balance classical prohibitions with modern banking needs, offering sharia-compliant and practical financing solutions. By maintaining strict contractual clarity while accommodating contemporary transaction requirements, mu'allaq emerges as a contract that is legally valid and operationally beneficial for Islamic financial institutions.
Co-Authors Aditya Nugraha Ahmad Faisal Akbar Aliya Putri Fitria Nuryanti Alma Hanifa Candra Yulia Amrulla Hayatudin Amrullah Hayatudin Anshori, Arif Rijal Aprillia Ratih Pawestri Samapta Asyila Putri Wibowo Atmima Tabi’inattien Al-ahya Cecep Kusmana Dani Durahman Dayu Mirwan Dede Rifaldy Ambar Dhanisa Leryan Diajeng Ayunda Candra Kirana Diana Wiyanti Dina Rahmania Dzulhijjah, Liza Elisa Siti Widyastuti Fadhilah, Salma Nurul Faisal Musyaffa Fattah, Athiyatul Fauzia Rizqika Subrata Fawzi, Ramdan Firda Meilani Wijayanti Firda Nurfadilah Geugeut Kinasih Wahyuni Haliya Azka Imadi Heru Pratikno Hery Widijanto Imam Mugi Indra Wijaya Intan Nur Apriliani Intan Nurapriliani Intan Nurrachmi Intan Rahmawati Iwan Permana Jajang Saepul Hamzah Khoerunnisa Amalia Kurniawan, Cecep Soleh Liza Dzulhijjah M Faiz Mufidi M Zidan Al Insyani Maman Surahman Maman Surahman Marjan Laraswati Maulida, Ira Siti Rohmah Melawati Miftah Farid Aziez Mohamad Dandi Maulana Muhamad Naufal Al Dzikri Muhamad Rafi Maududi Islam Muhammad Alfin Zayynur Rofiq Muhammad Farhan Bagja Naufal Muhammad Hatta Muhammad Noval Muhammad Risandi Lampah Nadiya Ratna Pura Nadya Salsabila Najmi Nurfauzi Ihsani Nanik Eprianti Neng Dewi Himayasari Neni Sri Imaniyati Noviyanti Ramdhani Nugraha, Ivan Nur Arifah, Siti Asiyah Nurbani Syifa Nurjanah Permana, Iwan Popon Srisusilawati Puteri Asyifa Octavia Apandy Putri Diah Ayu Lestari Ratna Januarita Redi Hadiyanto Redi Hadiyanto Reni Trimelawati Rifqi Permana Rois, Yovanka Graciela Rosyidah, Fairuz Syifa Salma Nurul Fadhilah Sandi Rizki Febriadi Selly Eriska Shindu Irwansyah Siregar, Ariani Siti Karomah Nuraeni Sri Imaniyari, Neni Sundari, Rini Irianti Syalsya Elsa Fadillah Syifa Dewi Fajriyani Tahany, Tahany Tiya Rissa Kamila Trimelawati, Reni Trisya Aprianti Udin Saripudin Utami, Ayu Tuty Wijayanti, Intan Manggala Wulan Yandi Maryandi Yayat Rahmat Hidayat Yoghi Arief Susanto Yuda Dharma Putra Yusup, Akhmad Zaini Abdul Malik