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All Journal Al-Risalah : Jurnal Imu Syariah dan Hukum Innovative: Journal Of Social Science Research Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Abdul Aziz, Jamal
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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The The Wadī'ah and Murābaḥah Contracts in Islamic Banking: The Recognized and the Unrecognized Legally Transformation Abdul Aziz, Jamal; Kholifah, Ayu
Al-Risalah VOLUME 25 NO 2, NOPEMBER (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-risalah.vi.59093

Abstract

The mu’āmalah fiqhiyyah contracts that underlie Islamic bank products have transformed from their basic form. Problems arise when there are differences in treating the same form of transformation.  The purpose of this study is to construct the transformation of wadī'ah and murābaḥah contracts in savings and financing products at Islamic banks, then analyze them from the perspective of Islamic law. This research is qualitative, with the main data sources being literature and interviews with Islamic banking practitioners. Literature in the form of books and the results of previous research regarding contracts in Islamic bank products. The interviews were conducted with some managers of Islamic commercial banks (BSI Jakarta) and Islamic people's financing banks (BPRS BAS Purwokerto). Data analysis was carried out by the triangulation method. Wadī’ah contracts in savings products and murābaḥah sales and purchase contracts in financing products at Islamic banks have essentially undergone the same transformation, which is both transformed into contracts with debt substance (qarḍ) where several procedural indicators corroborate this. However, it turns out that Islamic banks are different in responding to it. The transformation in the wadī’ah contract is recognized through the application of procedural provisions on the wadī’ah savings product, while the transformation in the murābaḥah contract is not recognized, which is indicated by the justification of the profit (murābaḥah) received by the bank. This research provides a new perspective on the study of the transformation of mu’āmalah contracts in Islamic bank products, which has so far been rarely carried out.
Relevansi Konsep Uang Perspektif Al-Ghazali Dengan Realitas Ekonomi Kontemporer Indonesia Pandini, Dwi Intan; Abdul Aziz, Jamal
Innovative: Journal Of Social Science Research Vol. 4 No. 1 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i1.8246

Abstract

Penelitian ini dilakukan bertujuan untuk mengetahui relevansi konsep uang perspektif al-ghazali dengan realitas ekonomi kontemporer indonesia. Penelitian ini merupakan jenis penelitian kualitatif berupa studi pustaka (library research). Ditinjau dari aspek metodenya, penelitian ini menggunakan metode deskriptif kualitatif dan content analisis (analisis isi) sebagai teknik analisis. Hasilnya, konsep uang yang dikemukakan oleh Al-Ghazali memiliki kekhasan karena melekatnya ilmu tasawwuf dalam dirinya. Fungsi uang ialah sebagai alat tukar dalam kegiatan transaksi ekonomi, tidak lagi bernilai jika hanya ditimbun dan tidak dipergunakan untuk transaksi. Beberapa konsep uang yang dikemukakan Al-Ghazali cukup relevan dengan realitas ekonomi kontemporer yang dipraktikkan di Indonesia pada masa-masa sekarang. Namun ada juga konsep yang tidak lagi relevan, sehingga perlu untuk dilakukan penyesuaian
Stabilisasi Ekonomi Masa Nabi Muhammad Saw (Strategi Pengembangan Jizyah Dan ‘Usyr melalui Kebijakan Fiskal) Rihadatul Aisy, Nasywa; Abdul Aziz, Jamal
Innovative: Journal Of Social Science Research Vol. 4 No. 1 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i1.8378

Abstract

Tujuan dari penelitian ini hendak menganalisis stabilisasi ekonomi yang didasarkan pada pengembangan kebijakan ekonomi fiskal pada masa Nabi Muhammad Saw melalui pemanfataan jizyah dan ‘usyr. Penelitian ini merupakan jenis penelitian kualitatif berupa studi pustaka (library research). Ditinjau dari aspek metodenya, penelitian ini menggunakan metode deskriptif kualitatif dan content analisis (analisis isi) sebagai teknik analisis. Hasilnya, ‘usyr dan jizyah adalah salah satu sumber pendapatan pada awal Islam yang cukup penting untuk keuangan negara. Pemungutan ‘usyr dan jizyah adalah dalam rangka untuk kemaslahatan umat Islam pada masa itu, khususnya dalam rangkaian tujuan untuk pemerataan ekonomi. Keduanya kemudian melalui kebijakan fiskal diupayakan sebaik mungkin diterapkan pada masa Rasulullah Saw, bukan saja semata-mata sebagai suatu kebutuhan untuk perbaikan ekonomi maupun untuk peningkatan kesejahteraan rakyat, tetapi lebih pada penciptaan mekanisme pelaksanaan ekonomi yang stabil.
Implementasi Zakat dan Penghapusan Riba dalam Pemikiran Muhammad Nejatullah Siddiqi Hidayatul Murteza, Yusfa; Abdul Aziz, Jamal
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i5.1286

Abstract

This literature research examines the implementation of zakat and the elimination of usury in the thoughts of Muhammad Nejatullah Siddiqi with the aim of analyzing this figure's thoughts. This research is a type of descriptive qualitative research. The results of the study show that Muhammad Nejatullah Siddiqi, as a contemporary mainstream Islamic economic figure, prioritizes the implementation of zakat and the elimination of usury as the main characteristics of an Islamic-based economy. Zakat is seen as mandatory for the rich, a right for the less fortunate, and the state plays a major role in managing it. Muhammad Nejatullah Siddiqi emphasized that zakat is not just a charity or tax, but involves almost all types of assets with predetermined collection rates. Siddiqi's view emphasizes the need to eliminate usury in accordance with the prohibitions of the Koran, especially in the practice of compounding loan debts. Muhammad Nejatullah Siddiqi's criticism of Islamic banks emphasizes the increase in mudharabah activities rather than murabahah practices
Co-Authors Hidayatul Murteza, Yusfa Kholifah, Ayu Pandini, Dwi Intan Rihadatul Aisy, Nasywa