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All Journal Journal of Economicate Studies Muttaqien; Indonesian Journal of Multidiciplinary Islamic Studies Zona Law And Public Administration Indonesia Journal of Islamic Law (EJIL)
Susandi, Adi
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Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Islamic Views on Riba in Muamalah Based on the Qur'an Hadith Susandi, Adi; Romli, Muhammad; Rahman, Adun
Zona Law And Public Administration Indonesia Vol. 2 No. 5 (2024): September 2024
Publisher : Yayasan Mentari Madani

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Abstract

Riba refers to the provision of additional value given by exceeding the nominal amount of a loan at the time of repayment. The interest rate is determined based on a certain percentage charged to the borrower. In Arabic, riba means excess or addition (az-ziyadah). In Islam, riba is strictly prohibited. The Qur'an explicitly declares that riba is forbidden because it is considered harmful and creates injustice in economic transactions. This prohibition aims to maintain social balance and protect parties involved in transactions from economic exploitation. This study employs a qualitative method with a library research approach. This approach aims to explore the views of scholars and authoritative Islamic sources, such as the Qur'an, hadith, and fiqh literature. Based on the findings from various reliable sources, Islamic law clearly states that riba is haram. This prohibition is supported by theological and ethical arguments emphasizing the importance of justice and blessings in all aspects of muamalah. Thus, riba is not only viewed as an economic issue but also as a moral and spiritual concern that must be avoided by Muslims
Applying Islamic Economic Law in Productive Zakat Management A Case Study of Amil Zakat Institutions in Indonesia Susandi, Adi; Sunaryo Mukhlas, Oyo
Zona Law And Public Administration Indonesia Vol. 3 No. 4 (2025): July 2025
Publisher : Yayasan Mentari Madani

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Abstract

This study explores the application of Islamic economic law in the management of productive zakat by Amil Zakat Institutions in Indonesia. The research aims to analyze how legal principles derived from Islamic jurisprudence (fiqh muamalah) are implemented in real-world zakat programs designed to empower the poor through sustainable economic activities. Using a qualitative case study method, data were collected from institutional reports, interviews with zakat officers, and documentation of program outcomes. The findings show that while most institutions adhere to core legal frameworks such as DSN-MUI fatwas and national zakat regulations, there remain gaps in contract standardization, post-disbursement supervision, and alignment with maqashid sharia. Some programs emphasize legal compliance but neglect social impact, highlighting a form over substance tendency. The study recommends integrating maqashid sharia principles and participatory development approaches to enhance both the legal validity and socio-economic effectiveness of productive zakat. These insights contribute to the development of sharia-compliant governance and support innovation in Islamic philanthropic management
EPISTEMOLOGI HUKUM EKONOMI SYARIAH DALAM FATWA DSN-MUI: INTEGRASI NILAI TEOLOGIS, RASIONALITAS EKONOMI, DAN KONSTRUKSI MASLAHAH Susandi, Adi
Equality: Journal of Islamic Law (EJIL) Vol. 3 No. 2 (2025): Equality: Journal of Islamic Law (EJIL)
Publisher : Islamic Law Doctoral Study Programme, Postgraduate UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ejil.v3i2.1950

Abstract

Perkembangan ekonomi syariah di Indonesia telah melahirkan berbagai fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI) sebagai sumber rujukan normatif. Namun, di balik keberfungsian hukum tersebut, terdapat persoalan mendasar mengenai bagaimana epistemologi hukum ekonomi syariah dibentuk, apakah murni bersumber dari nilai-nilai teologis Islam ataukah turut dipengaruhi oleh rasionalitas ekonomi modern. Penelitian ini bertujuan untuk mengurai struktur epistemik yang membentuk fatwa DSN-MUI dengan menelaah integrasi antara nilai-nilai teologis, logika rasional, instrumental ekonomi, dan konstruksi maslahat sebagai dasar etik normatif. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan filsafat hukum Islam, analisis wacana, dan hermeneutika teks. Hasil penelitian menunjukkan bahwa fatwa DSN-MUI merupakan produk hukum yang bersifat intertekstual dan kontekstual, yang merespons realitas ekonomi tanpa sepenuhnya mengabaikan fundamen teologisnya. Adapun kebaruannya terletak pada pembacaan epistemologis terhadap fatwa, dan pemetaan struktur nilai serta logika rasionalitas yang melatar­belakanginya. Sehingga hasil penelitian ini dapat berkontribusi dalam membangun fondasi teoritis hukum ekonomi syariah yang lebih reflektif, integratif, dan adaptif terhadap tantangan zaman.
Meninjau Kembali Riba: Dampaknya terhadap Inovasi Perbankan Islam di Indonesia Susandi, Adi; Virliana, Nadya Zahra
Muttaqien Indonesian Journal of Multidiciplinary Islamic Studies
Publisher : Muttaqien Publishing, Lembaga Penelitian dan Pengabdian kepada Mayarakat (P3M) STAI DR. KH.EZ. Muttaqien Purwakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52593/mtq.06.2.04

Abstract

In Islamic finance’s development, riba (usury) remains a significant challenge affecting banking product innovation. This study examines how various interpretations of riba impact product development in Islamic financial institutions in Indonesia. The method used is a qualitative systematic literature review, with data drawn from scholarly works, fatwas issued by the National Sharia Council (DSN-MUI), and the operational practices of Islamic banks. Thematic analysis was used to identify key patterns and issues shaping Islamic financial products. The results show that from classical schools of thought to contemporary Islamic scholars, diverse understandings of riba have driven the formalization of contracts such as murabahah, ijarah, and musharakah. Although legally valid, these contracts often mimic conventional financial mechanisms and do not fully fulfill the ethical objectives of maqāṣid al-shar’iah, raising concerns about the authenticity and long-term credibility of Islamic banking. This study recommends a multidisciplinary approach focused on maqāṣid, encompassing Islamic legal theory, behavioral economics, and sociocultural analysis, to enhance product relevance and integrity. This approach is crucial to maintaining public trust and ensuring the development of Islamic finance as a value-based system responsive to the dynamics of the modern economy.
Accelerated Repayment of Murabahah Agreement in Sharia Banking Susandi, Adi; Al Hakim, Sofian
Journal of Economicate Studies Vol. 4 No. 2 (2020): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32506/joes.v4i2.663

Abstract

Banking growth in Indonesia has started to improve, as seen in the financing conducted by sharia banks as well as credit in conventional banks. In the midst of the current crisis, Sharia banking continues to face a very rapid development in the muslim-majority community. Sharia banking is the performance of the Sharia industry in Indonesia where its role has been recognized legally and able to compete with conventional banking. The impact of it all will bring about competition that allows for accelerated repayment especially in terms oftakeovers. This study aims to analyze how financing practices, especially murabahah agreements in sharia banks and if there is a settlement in the accelerated then reviewed with the study of fiqhnya and in ju paired with what happens in conventional banks. This qualitaf research by means of ( Descriptive Analytics) where information is collected using a very in-depth interview method and literature, after that in the analysis until finding conclusions. This study provides the result that murabahah contract financing and repayment in accelerated both in sharia and conventional banking has been in accordance with the requirements and regulations in force, but still needed will be government intervention in the manufacture of regulations to create a more ethical competitive climate, especially that can result in accelerated repayment so that often takeover financing or credit from sharia banks to conventional and vice versa. The implications of this study to share knowledge to the public who still lack understanding between financing, especially murabahah agreement and repayment in accelerated that occurs in Sharia banking. So it is expected to provide in-depth guidance as knowledge to make decisions between sharia or conventional banks in an effort to meet the needs of financing.
Co-Authors Muhammad Romli dan Suprihatin Andes Ismayana Mukhlas, Oyo Sunaryo Rahman, Adun Sofian Al Hakim, Sofian Virliana, Nadya Zahra