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All Journal al-Afkar, Journal For Islamic Studies JITTER (Jurnal Ilmiah Teknologi Informasi Terapan) Pena Justisia: Media Komunikasi dan Kajian Hukum Exercise : Journal of Physical Education and Sport Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) TheJournalish: Social and Government International Journal Of Science, Technology & Management (IJSTM) Poltekita: Jurnal Pengabdian Masyarakat International Journal of Educational Review, Law And Social Sciences (IJERLAS) Jurnal Pengabdian Kepada Masyarakat Patikala TEKIBA : Jurnal Teknologi dan Pengabdian Masyarakat MUSHAF JOURNAL: Jurnal Ilmu Al Quran dan Hadis Jurnal Pengabdian Masyarakat Lentora Kumpulan Artikel Pendidikan Anak Bangsa : Journal Pendidikan, Sosial dan Humaniora Cendekiawan: Jurnal Pendidikan dan Studi Keislaman International Journal of Economics (IJEC) Indonesian Journal of Physical Activity Center of Economic Students Journal (CSEJ) Teknovokasi : Jurnal Pengabdian Masyarakat Jurnal Penelitian Vokatek : Jurnal Pengabdian Masyarakat Ininnawa: Jurnal Pengabdian Masyarakat Lentora Nursing Journal Insaniyah : Jurnal Pengabdian Kepada Masyarakat Abdi Samulang : Jurnal Pengabdian Kepada Masyarakat Jurnal Pendidikan dan Pembelajaran Journal of Excellence Humanities and Religiosity Jurnal Riset Mahasiswa Akuntansi Multidisciplinary Indonesian Center Journal J-CEKI Jurnal Ekonomi, Manajemen, Akuntansi PESHUM Jurnal Penelitian Hasil Hutan Journal of Renewable Energy and Smart Device Jurnal At-Tamwil: Kajian Ekonomi Syariah
Aminuddin
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Journal : International Journal of Economics (IJEC)

 1 
Critical Study of DSN-MUI Fatwa No. 86 Concerning Cash Prizes in Fundraising at Sharia Financial Institutions Aminuddin
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.947

Abstract

This research is intended to examine the Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) No. 86 regarding cash prizes in raising funds at sharia financial institutions. This Fatwa requires that gifts given by Islamic financial institutions to customers must be in the form of goods or services, and prohibits gifts in the form of cash. This study aims to examine the effectiveness and implications of the fatwa and explore possible revisions based on input from Islamic banking scholars and practitioners. The research method used is qualitative through a descriptive analytical approach. Primary data includes DSN-MUI fatwa no. 86 of 2012, research results show that the implementation of this fatwa, especially regarding obligations for gifts in the form of goods, brings challenges for Islamic banks, especially in terms of procurement, maintenance and distribution of gifts in the form of goods and so on. Research also finds that prizes in the form of cash are more flexible and attractive to customers, without adding significant cost burdens to Islamic banks. This research suggests a review and possible revision of the DSN-MUI fatwa no. 86, taking into account the mutual benefit of banks and sharia financial customers.
Critical Study of DSN-MUI Fatwa No. 86 Concerning Cash Prizes in Fundraising at Sharia Financial Institutions Aminuddin
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.947

Abstract

This research is intended to examine the Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) No. 86 regarding cash prizes in raising funds at sharia financial institutions. This Fatwa requires that gifts given by Islamic financial institutions to customers must be in the form of goods or services, and prohibits gifts in the form of cash. This study aims to examine the effectiveness and implications of the fatwa and explore possible revisions based on input from Islamic banking scholars and practitioners. The research method used is qualitative through a descriptive analytical approach. Primary data includes DSN-MUI fatwa no. 86 of 2012, research results show that the implementation of this fatwa, especially regarding obligations for gifts in the form of goods, brings challenges for Islamic banks, especially in terms of procurement, maintenance and distribution of gifts in the form of goods and so on. Research also finds that prizes in the form of cash are more flexible and attractive to customers, without adding significant cost burdens to Islamic banks. This research suggests a review and possible revision of the DSN-MUI fatwa no. 86, taking into account the mutual benefit of banks and sharia financial customers.
Co-Authors A. Novia Ramadani A.A. Ketut Agung Cahyawan W Abdul Malik Iskandar Abdul Rahman Adelia Trisia Aflaha, Ardhina Nur Agus Ismail Ahmad Choiri Ahmad Farihin Ahmad Kurniawan Harahap Ahmad Rizal Abdullah Ahmad Zaky Ramadhan Akmal Hidayat Aldy Kurniawan L Alfi Farid Amin Syam Amiruddin Andiyani Batubara, Efira Anggia Ramadhan Aqsha, Ismail Arianti Putri, Sulistiani Ariga, Adi Arlioni Arnita Pulungan, Nina Asham Bin Jamaluddin Asmah Adam Awaluddin Ayub Baharuddin, Dahliah Baso Riadi Husda Bulang Cakrawijaya, Muhammad Hidayat Ciptani indah Yanti Hia Congge, Hermansyah Congge, Umar Deni Fikari Dg. Mangemba Dodi Saung Doroty Iren Br bukit Efrina Nasution, Linda Enrico, Josiah Ersa Rana Fatiha, Nur Fauzi Febrianti Tandi Ra'pak Ferawati Ferianto Fiskia Rera Grahmayanuri, Novria Hari Supriadi I Wayan Supetran, I Wayan Ira Trisnawati, Ira Irsanty Collein Johan Johan Joko Setyono Joko Setyono Kadar Ramadhan Kanande, La Ode Mansabdar Khawardy, Lucy Kriswanto Kurnia Rusli Lenta Friska Purba Lidya Sari Peronika Nainggolan Lulu Yonika Mardian Idris Harahap Masudin Metungku, Fany Miftahul Rizky Muaqqaf, Afif Muh. Hidayat Cakrawijaya Muh. Khaedar Muhammad Ansarullah Muhammad Fuad Muhammad Haristo Rahman Muhammad hasim Muhammad Hasim S Muhammad Hidayat Cakrawijaya Muhammad Janwar Muhammad Nuralamsyah Muhammad Rozahi Istambul Nadira Salmah Nasrullah, Andi Nur Augus Fahmi Nur Halifah, Nur Nur M Ridha Tarigan Nurarifah Nurarifah NURIL MUFIDAH Nurjaya Nurlaela Pancawati, RR. Sri Panggabean, Nur Azizah Pasaribu, Vina Putri Mayangsari Ra'bung, Alfrida Semuel Rahman Randa Rahman Subha Riskayanti Riswandi Rostina Rusli Ismail Salman Faris Samsul Fajri Satibi, Ibi Setialaksana, Wirawan - Shely Kusumasari Sitorus, Nadrah SN, Ulfaizah Sudarmanto Jayanegara Suhardianto, Suhardianto Sulhah Habibah Sumariyanto, Iris Suna Hasibuan, Isra Supardi Syafei, Muhammad H.G. Syam Nasution, Fadhillah Syamsu Nujum Syarif Bahaudin Mudore Umar, Nur Fadhilah Wahyu Munandar Wahyu Wibowo Wahyu Wibowo WAHYUDI Wargadalam, Verina Januati Williya Meta Yusriani, Nida Zulfiani Zyair Muzyaitir