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Journal : J-CEKI

Tafsir Maqashid Ayat-Ayat Al-Qur’an dalam Fatwa DSN-MUI No. 153/DSN-MUI/VI/2022 Tentang Pelunasan Utang Pembiayaan Murabahah Sebelum Jatuh Tempo Huda, Nurul; Nursobah, Achmad; Muhaini, Akhmad
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 3: April 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i3.8467

Abstract

The fatwas issued by the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) serve as vital instruments for the developing of Sharia economics and finance in Indonesia. One notable example is Fatwa No. 153/DSN-MUI/VI/2022, addressing early repayment of murabahah financing debt before its due date. This fatwa represents DSN-MUI's efforts to align Sharia principles with modern market realities while upholding justice and public benefit. Central to the fatwa's formulation is the Quranic foundation, particularly regarding justice, honesty, and fulfillment of contracts. Wahbah Az-Zuhaili's maqashid-based interpretative approach offers a compelling framework for examining the fatwa, emphasizing its normative and practical dimensions with a focus on the community's well-being. This study employs a qualitative methodology through library research, integrating a normative-philosophical analysis. Using Wahbah Az-Zuhaili's tafsir maqashid, it explores the interconnection between Quranic values, such as justice and the prohibition of exploitation, and the principles embedded in Fatwa No. 153/2022. The findings reveal the fatwa's maqashid principles, including fairness, prevention of gharar (uncertainty), and economic pragmatism, such as incentivizing early debt repayment while safeguarding institutional interests. This analysis underscores the integration of Sharia law into contemporary financial regulations, highlighting its capacity to balance individual and institutional interests. The study provides valuable insights into the broader discourse of Islamic legal reasoning and its application in modern Sharia financial practices.
Tafsir Maqashid Ayat-Ayat Al-Qur’an Dalam Fatwa DSN-MUI No. 150/DSN-MUI/VI/2022 Tentang Produk Asuransi Kesehatan Berdasarkan Prinsip Syariah Prastyo, Edy; Nursobah, Achmad; Muhajir, Muhajir
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 3: April 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i3.8498

Abstract

The Fatwa of the National Sharia Council - Indonesian Ulema Council (DSN-MUI) plays a crucial role in the development of sharia insurance products in Indonesia by providing relevant Islamic legal guidelines in response to contemporary practices. This article analyzes DSN-MUI Fatwa No. 150/DSN-MUI/VI/2022 concerning Sharia-Based Health Insurance Products through the perspective of Wahbah Az-Zuhaili's maqashid tafsir. This research employs a qualitative method based on a literature study to explore the values of sharia maqashid in Quranic verses, such as QS. Al-Maidah: 1, QS. Al-Baqarah: 279-280, and QS. Az-Zumar: 18 and 55. Regarding the implementation of the fatwa, five out of six indicators by Van Meter and Van Horn show that it has been in accordance with the provisions of the fatwa. However, from the aspect of the implementers' disposition, the researcher found practices that do not align with the fatwa's provisions. First, a portion of the premium funds from sharia health insurance products is used for investment. However, sharia health insurance products are non-saving products (not savings), and the entire tabarruk fund should be used as tabarruk. Second, the kafalah contract applied in sharia health insurance products does not align with the principle of taawun (mutual assistance) among participants. This is because the purpose of someone joining sharia insurance is to help other participants in the event of a risk. The implementation of the kafalah contract eliminates the principle of mutual assistance among participants, as the participant making a claim must bear the cost themselves. Moreover, before becoming a participant, they have already undergone the underwriting process. Third, there is a requirement to register as a participant for those who wish to conduct research in Takaful. These three points contradict the principle of taawun in sharia insurance and the principle of tara’d|in (consent) in sharia economic law.
Batasan Maslahah Fatwa Dsn-Mui Tentang Ganti Rugi (Ta’Widh) : Pendekatan Batasan Maslahah Pemikiran Said Ramadhan Al-Buthi) Ngabas, Ibnu; Muhajir, Muhajir; Nursobah, Achmad
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 3: April 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i3.8555

Abstract

Dalam dinamika ekonomi Islam, fatwa yang dikeluarkan oleh Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) memegang peranan penting dalam menjamin kepastian hukum dalam transaksi keuangan Islam. Salah satu aspek utama yang diatur dalam fatwa tersebut adalah ganti rugi (ta'widh), yang berfungsi sebagai kompensasi atas kerugian yang disebabkan oleh kelalaian atau wanprestasi. Fatwa ini bertujuan untuk menegakkan keadilan dalam transaksi keuangan dengan tetap berpegang pada prinsip-prinsip dasar Islam. Namun, penerapan ta'widh memerlukan pemeriksaan lebih lanjut untuk memastikan keselarasan dengan konsep maslahah, yang merupakan inti dari hukum Islam. Perdebatan utama seputar masalah ini adalah sanksi finansial (gharamah maliyyah), di mana para ulama memiliki pendapat yang berbeda. Sementara Abu Yusuf dari mazhab Hanafi memperbolehkan sanksi finansial, mayoritas ulama Maliki, Syafi'i, dan Hanbali menolaknya, menganggapnya akintoriba. Penelitian ini menganalisis batas-batas maslahah dalam fatwa DSN-MUI tentang ta'widh melalui kacamata pemikiran Said Ramadhan al-Buthi. Al-Buthi berpendapat bahwa maslahah harus selaras dengan maqashid syariah, tidak bertentangan dengan dalil syariah, dan menegakkan manfaat yang lebih tinggi. Penelitian ini menggunakan penelitian kualitatif dengan pendekatan deskriptif-analitis melalui telaah pustaka. Temuan penelitian menyoroti sejauh mana fatwa DSN-MUI selaras dengan kerangka maslahah al-Buthi, berkontribusi pada yurisprudensi Islam kontemporer dan memastikan keseimbangan antara kepastian hukum, keadilan, dan kepatuhan syariah di sektor keuangan Islam Indonesia.
Analisis Kemaslahatan pada Peraturan Pemerintah Republik Indonesia Nomor 10 Tahun 1983 Tentang Izin Poligami Af’idaa, Fidaa; Nursobah, Achmad; Abqori, Najih
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 3: April 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i3.8571

Abstract

This study analyzes Government Regulation No. 10 of 1983 concerning the practice of polygamy for Civil Servants (PNS) from the perspective of Islamic law, particularly through the approaches of maslahah and maqâsid al-syar'iyyah. The regulation aims to maintain the welfare of individuals, families, and society by establishing strict requirements, including the consent of the first wife and financial capability. The analysis shows that Government Regulation No. 10 of 1983 not only serves as an administrative instrument but also aligns with the principles of justice found in the Qur'an and Sunnah. Furthermore, this regulation contributes to social stability and protects the rights of women and children. Overall, Government Regulation No. 10 of 1983 supports a higher maslahah by creating a balance between individual rights and social justice.
Logika Maqāṣid Konsep Rupiah Digital Dalam UU No. 4 Tahun 2023 Rouf, Muhammad Abdul; Muhajir, Muhajir; Nursobah, Achmad
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 4: Juni 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i4.8660

Abstract

Perkembangan teknologi digital telah mendorong penerapan Rupiah Digital sebagai Mata Uang Digital Bank Sentral (DBI) berdasarkan Undang-Undang Nomor 4 Tahun 2023. Rupiah Digital diharapkan dapat meningkatkan efisiensi transaksi, memperluas inklusi keuangan, dan menjaga stabilitas moneter. Namun, penerapannya menghadapi tantangan dari segi regulasi, keamanan, dan pemerataan akses bagi seluruh lapisan masyarakat. Penelitian ini menggunakan metode kualitatif dengan pendekatan maqāṣid al-muʿāmalah, dengan menganalisis Rupiah Digital berdasarkan lima prinsip utama: ar-rawāj (peredaran kekayaan), al-wuḍūḥ (transparansi), al-ḥifẓ (perlindungan aset), ats-tsabāt (stabilitas), dan al-‘adl (keadilan). Temuan penelitian menunjukkan bahwa Rupiah Digital berpotensi meningkatkan transparansi dan aksesibilitas keuangan, tetapi memerlukan regulasi yang lebih inklusif untuk mencegah kesenjangan digital. Kerangka maqāṣid al-muʿāmalah menyoroti pentingnya menyeimbangkan efisiensi teknologi dengan perlindungan pengguna. Studi ini menyimpulkan bahwa keberhasilan Rupiah Digital bergantung pada desain kebijakan yang mengutamakan keadilan ekonomi, perlindungan aset, dan distribusi manfaat yang adil di semua lapisan masyarakat. Dengan mengadopsi pendekatan maqāṣid, implementasi Rupiah Digital dapat diposisikan sebagai instrumen keuangan yang tidak hanya inovatif tetapi juga selaras dengan prinsip-prinsip keuangan Islam.