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All Journal El Tarbawi al-Afkar, Journal For Islamic Studies Awang Long Law Review Jurnal Ilmiah Penegakan Hukum Pena Justisia: Media Komunikasi dan Kajian Hukum Jurnal Sosiohumaniora Kodepena (JSK) Entrepreneurship Bisnis Manajemen Akuntansi (E-BISMA) YURISDIKSI : Jurnal Wacana Hukum dan Sains Jurnal Penelitian Keperawatan Kontemporer (JPKK) Jurnal Kolaboratif Sains International Journal of Science and Society (IJSOC) Jurnal Gagasan Hukum Jurnal DiMas (Jurnal Pengabdian Kepada Masyarakat) Data Sciences Indonesia (DSI) JAKTABANGUN: Jurnal Akuntansi dan Pembangunan JURNAL KESEHATAN IBU DAN ANAK (KIA) Agents: Journal of Artificial Intelligence and Data Science International Journal of Trends in Accounting Research International Journal of Law and Society Indonesian Journal of Multidisciplinary Scientific Studies Jurnal KALANDRA ADM : Jurnal Abdi Dosen dan Mahasiswa Journal of Transcendental Law Ameena Journal Fundamental : Jurnal Ilmiah Hukum JPEMAS: Jurnal Pengabdian Kepada Masyarakat Jurnal Serambi Ilmu Jurnal Cahaya Edukasi Journal of Islamic Economic Laws Proceedings of The International Conference on Computer Science, Engineering, Social Sciences, and Multidisciplinary Studies
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Journal : al-Afkar, Journal For Islamic Studies

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Analysis of the Legal Status of Fees/Ujroh in Multiservice Financing with Kafalah Agreements (Comparison of DSN-MUI Fatwa with AAOIFI) Irham Maulana; Imron Rosyadi; Rizka
al-Afkar, Journal For Islamic Studies Vol. 7 No. 1 (2024)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v7i1.912

Abstract

Since the introduction of Islamic banking in 1991, the Islamic economy has experienced significant growth. Many products and services have been introduced by sharia banks and other financial institutions to facilitate this need, with reference to various fatwas from the National Sharia Council - Indonesian Ulema Council (DSN-MUI). One of the services provided by sharia banking is multiservice financing, which is recognized as sharia valid through DSN-MUI Fatwa No: 44/DSN-MUI/VIII/2004. The focus of this research is on kafalah contracts, because DSN-MUI Fatwa No: 44/DSN-MUI/VIII/2004 allows multiservice financing using ijarah and kafalah contracts. Kafalah bil ujrah, as defined in the fatwa, is a guarantee transaction provided by a bank in exchange for wages. However, the legality of this contract is controversial because the arguments put forward by DSN-MUI are different from the standard arguments applied by AAOIFI, which actually prohibits it. Therefore, creative thinking is needed to find alternative contracts that can overcome this controversy and enable further developments in Islamic banking. The problem studied in this research is the concept of the kafalah contract according to the fatwa of the two institutions and the method of determining the fatwa (istinbath) of the two institutions regarding the kafalah contract. This research is library research with qualitative analysis. The method used is descriptive-comparative with the bayani, ta'lili and istislahi approaches.
Implementation of DSN-MUI Fatwa Number 004 of 2003 concerning Productive Zakat for Lazisnu for Business Capital for the People of Muaro Jambi: A Legal Perspective of Maqashid Syariah Marwiyah; Imron Rosyadi; Rizka
al-Afkar, Journal For Islamic Studies Vol. 7 No. 4 (2024)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v7i4.1718

Abstract

This research examines the implementation of Fatwa DSN-MUI Number 004 of 2003 concerning productive zakat by LAZISNU in Muaro Jambi, in supporting community business capital from the perspective of Maqasid Syariah law. This research is field research, data collected through interviews and direct observation, and supported by literature research which includes literature related to productive zakat, sharia economic law, Al-Quran, and Hadith. The results show that LAZISNU applies productive zakat to help mustahiq who meet certain criteria in starting or developing a business, aiming to increase their economic independence. The selection process is done by verification that considers the economic condition, entrepreneurial potential, and mustahiq's business plan. From a Maqasid Syariah perspective, this implementation is in line with the principles of hifz al-mal (maintenance of wealth) and hifz al-nafs (maintenance of soul), where the distributed zakat not only provides short-term benefits, but also strengthens the mustahiq's economy in a sustainable manner. Zakat recipients, through business capital, are expected to be able to create a steady income and fulfill basic needs such as food and shelter. Nonetheless, the main challenge is the low level of public literacy about productive zakat as sustainable business capital, so the awareness to give zakat and its utilization is still low.
Co-Authors A. Hamid Abdul Wahab Absori Absori Administrator Jurnal Adnanda Yudha Rhealdi Afif Agus Kurniawan Agus Kurniawan Aidul Fitriciada Azhari Alam, Faizan Ali Wafa Arifin, Achmad Januar Asmiyanti Mahmud Asri Praputri Azhar Alam Azhar, Iqlima Berutu, Asro Hayati Cahyadi, Bhagaskara Daing, Crisanto A. Daniel Happy Putra Deden Nurjaman, Deden Devi Agustini Dewi Farha Dewi Ningsih Dimas Aji Novianto Eny Winaryati Fadhilah, Asri Nur Fadhlulloh, Qolbi Hanif Farika Danis Sholehah Fariz Primadi Fatni Kidjab Febri Adriati Febriani, Hanifah Hamdi Angka , Moh Hanifah Kusumastuti Harun Helvi Etmawati Gae Honest, Irianto Ibrahim ILHAM Imron Rosyadi Irham Maulana Kurniawan, Adityo Wiwit Laia, Julianto M. Fraja Yuda Magfirah, Magfirah Mahya Mardiyah Hayati Marwiyah Mas’ad Meyti Mhd Furqan Miftahul Jannah Mintasrihardi MP, Benny Muh Syukran Muhamad Taufik Hidayat Muhammad Ali Muhammad Khalis Ilmi Mursyidi MUSLIMIN Muthoifin Mutia, Ratna Nabawy, Putri Nining Fitrianingsih, Nining Nur Anisa Nurhayati Nurlaela Nurlina Nurul Annisa Pilasari, Nyoman Pratama, Haris Putri Robiatul Qalbiy Sinta Qolbi, Fikri 'Ainul Rica Dayani, Tiara Rizka Mutthoharoh Rizki, Eni Robert V Pelima Ruhaza, Vona Salman Saputri, Heni Silkawati Humu Slamet Raharjo Sugihardana, Danang Sulistyo, Fajar Adhie Sunarti Hanafi Supiyandi Supiyandi Suyadi Suyadi Syarifa, Gizha Triana Putri, Sasni Trisaksono, Ario Urug Muhammad Hatta Vivi Walangadi Wardah Yuspin Widyari, Dira Putri Yenni Agustina YUNITA Zahrul Fuad Zuhrivina