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All Journal SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah IQRO: Journal of Islamic Education JURNAL PENDIDIKAN TAMBUSAI Khatulistiwa: Journal of Islamic Studies BISEI: Jurnal Bisnis dan Ekonomi Islam Al Yasini : Jurnal Keislaman, Sosial, hukum dan Pendidikan JURNAL EKONOMI SYARIAH Jurnal Ilmu Manajemen Profitability Jurnal Ilmiah Al-Tsarwah Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Al-I'jaz: Jurnal Studi Al-Qur'an, Falsafah, dan Keislaman Jurnal Ar-Ribh JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS Tadayun: Jurnal Hukum Ekonomi Syariah Journal of Artificial Intelligence and Digital Business Madani: Multidisciplinary Scientific Journal An Nuqud: Journal of Islamic Economics Socius: Social Sciences Research Journal Media Hukum Indonesia (MHI) Andragogia: Journal of Educational Sciences and Islamic Studies PESHUM
Sapa, Nasrullah Bin
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Journal : Madani: Multidisciplinary Scientific Journal

 1 
Akad Musyarakah dan Musyarakah Mutanaqisah (MMQ) Dliyauddin, Dliyauddin; Caya, Rosdiyana; Basse, Rahman Ambo; Sapa, Nasrullah Bin
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 6 (2025): July 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15986992

Abstract

Musyarakah and Musyarakah Mutanaqisah (MMQ) are two types of syirkah contracts widely used in Islamic financial institutions as interest-free financing alternatives. These contracts are based on the principles of partnership, risk-sharing, and profit-sharing. This paper analyzes the theoretical and practical aspects of both contracts, focusing on their structure, legal foundations, advantages, and implementation challenges in the context of Indonesia.
Bankruptcy and the Concept of Hiwalah (Debt Transfer) in Islamic Economic Law Magfirah, Khofifah; Fuziyah, Annisa; Sapa, Nasrullah Bin; H, Darmawati
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 12 (2026): January
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18136753

Abstract

This study examines the concepts of bankruptcy (al-Ifl?s) and ?iw?lah from the perspective of Islamic economic law. Bankruptcy has become an important issue in modern economic activities when an individual or institution is unable to fulfill its financial obligations, while hiwalah is an instrument in fiqh muamalah that can serve as a solution for debt transfer. The research employs a normative-juridical approach by analyzing evidences from the Qur’an, Hadith, as well as the views of classical and contemporary scholars. The findings show that Islam regulates bankruptcy based on principles of justice and protection for weaker parties without causing injustice to creditors. Meanwhile, huwalah is a sharia-compliant instrument that can be used to lawfully transfer debt obligations under Islamic law while also reducing risk in financial transactions. The implications of this study affirm that the concepts of bankruptcy and hiwalah in Islamic law are not merely classical doctrines but have strong relevance within the modern Islamic economic legal system, including Islamic banking and financial institutions.
Co-Authors Abdi Wijaya, Abdi Affandi, Ahmad Zulkifli AGUS AGUS Amir, Andi Muhammad Nur Atma Amiruddin, Muhammad Majdy Arief, Fitriani Asse, Ambo Bakti, Andi Adi Prabowo Putra Basse, Rahman Ambo Caya, Rosdiyana Chairunnisa Chairunnisa Cut Muthiadin Darmawati H, Darmawati DARYANTI DARYANTI Dliyauddin, Dliyauddin Eka Febrianti, Eka Fatimah, Emi Sri Rahayu Fuziyah, Annisa Habibi Habibi Haddade, Abdul Wahid Halik, Abdul Chadjib Halimah Basri Hamzah, Muh. Nasir Herman, M. Aras Ikhsan, Muh Ikram, Abdi Dzul Jalal Indradewa, Rhian J, Jumriani Jailuddin, Syuaib Jamaluddin Majid Jayawarsa, A.A. Ketut Lutfi, Mukhtar Magfirah, Khofifah Mardiah, Nur Ainun Maulana Maulana Maulana Maulana, Maulana Misbahuddin Misbahuddin Misbahuddin Muhammad Ilham Mukhtar Galib Muslimin Kara Paramata, Adhayani Mentari Parmitasari, Rika Dwi Ayu Raden Mohamad Herdian Bhakti Rahman R., Abd. Rahmawati, Rahmawati Ramlah Ramlah Ramlah Rizky Amaliyah Said, Muh. Sa’ad Sapsuha, Mubasysyyratul Ummah Siradjuddin, Siradjuddin Sudarmi Sudarmi Syaharuddin Syam, Agus Syarif, Magfira Syatar, Abdul Tarmizi Tengku Riza Zarzani N Widjaja, Abdi Wulandari, Devy