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All Journal Jurnal Pendidikan Agama Islam Al-Thariqah TAZKIR: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman JURNAL MUTIARA MANAJEMEN JES (Jurnal Ekonomi Syariah Jurnal TILAPIA SAMAWA : Jurnal Hukum Keluarga Islam Al Fiddhoh: Journal of Banking, Insurance, and Finance Tadbiruna: Jurnal Manajemen Pendidikan Islam
Romi, Muhammad
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Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Library & Information Science Social Sciences Other

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Journal : JES (Jurnal Ekonomi Syariah

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Akad Ijarah Muntahiyah Bit Tamlik: Tantangan dan Peluang Romi, Muhammad; Miftahurrahmah, Miftahurrahmah; Mawardi, Mawardi
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 2 (2025): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i2.1211

Abstract

This study aims to analyze the validity of IMBT, identify regulatory and implementation challenges, and map opportunities for its future development. The research method used is library research with a descriptive qualitative approach. Data were obtained through a literature review of laws and regulations, fatwas, books, and journals related to IMBT. The analysis was conducted by examining the conformity of IMBT provisions according to fiqh muamalah and national regulations, including DSN-MUI Fatwa No. 27/DSN-MUI/III/2002, the Compilation of Sharia Economic Law, the Sharia Banking Law, and Bank Indonesia regulations. The results show that IMBT has a strong legal basis both in sharia and positive law. However, its implementation faces several obstacles such as the lack of specific regulations that regulate it in detail, lack of synchronization of regulations between authorities, differences in interpretation of asset maintenance and ownership transfer mechanisms, the risk of default, and low sharia financial literacy. Therefore, it is recommended to harmonize regulations between authorities, establish a special law for IMBT, develop transparent contract standards, improve Islamic financial literacy, and implement appropriate risk management to strengthen the attractiveness of IMBT in Islamic financing.
Co-Authors Abdul Munir, Akmal Akbarizan Azwar Thaib Harroni, Jum Hendri Gunawan Hidayatullah Ismail, Hidayatullah Khasanah, Niswatul Maulidya, Rulita Mawardi Miftahurrahmah Miftahurrahmah, Miftahurrahmah Mukhlis Mukhlis Nurhayati Nurhayati Sari Sepdiana, Nana Usnan Wardhani, Nia Yusnaini