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All Journal Badamai Law Journal Jurnal Akta Jurnal Ilmiah Universitas Batanghari Jambi Jurnal LEX SPECIALIS Wacana Paramarta: Jurnal Ilmu Hukum JURNAL ILMIAH ADVOKASI JIHAD : Jurnal Ilmu Hukum dan Administrasi AS-SIYASI JOURNAL OF CONSTITUTIONAL LAW Milkiyah: Jurnal Hukum Ekonomi Syariah Cessie : Jurnal Ilmiah Hukum Innovative: Journal Of Social Science Research Cendekia: Journal of Law, Social and Humanities Al-Zayn: Jurnal Ilmu Sosial & Hukum Academica : Jurnal Pengabdian Kepada Masyarakat SASI Greenation International Journal of Law and Social Sciences Themis: Jurnal Ilmu Hukum
Dani Durahman
Universitas Langlangbuana
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Journal : Milkiyah: Jurnal Hukum Ekonomi Syariah

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The Paradox of Mu'allaq Contracts in Murabahah Financing Putra, Panji Adam Agus; Durahman, Dani; Kurniawan, Cecep Soleh; Hatta, Muhammad
Milkiyah: Jurnal Hukum Ekonomi Syariah Vol. 4 No. 2 (2025): Milkiyah: Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Agama islam Negeri Majene

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46870/milkiyah.v4i2.1576

Abstract

Islamic economics requires strict adherence to contracts that comply with Sharia law, but contemporary financial practices, particularly tamlîk (purchase with ownership rights) and mu’âwadhat (reciprocal exchange) agreements, often face challenges related to gharar (excessive uncertainty), raising critical questions about their validity under Islamic law. This study focuses on resolving one of the most controversial issues in modern Islamic finance: the validity of mu’allaq contracts in murabahah financing structures. Through a normative legal approach, this study systematically analyses classical fiqh literature, fatwa from the Indonesian National Sharia Council (DSN-MUI), and regulatory guidelines such as the OJK Murabahah Guidelines, revealing fundamental differences of opinion among scholars. The validity of mu'allaq contracts in Islamic finance remains a subject of debate, with classical scholars from the Hanafi, Shafi'i, and Hanbali schools rejecting them as non-binding tabarru', while contemporary scholars permit them based on the principle of contractual freedom. This study discloses that transparent mu'allaq murabahah contracts, implemented under sharia supervision, effectively balance classical prohibitions with modern banking needs, offering sharia-compliant and practical financing solutions. By maintaining strict contractual clarity while accommodating contemporary transaction requirements, mu'allaq emerges as a contract that is legally valid and operationally beneficial for Islamic financial institutions.
Co-Authors Aep Suhendi Agus Awaludin Aldina Setiani Andika Pratama Ari Wibowo Arif Wahyudin Hidayatulloh Binner Habeahan Cacan Cahyadi Christian S, Paulana Dadan Nugraha Dudu Duswara M Eddy Setiawan Fachri Rizky Fadillah Faisal Ruslan Fangky Christina Indraguna Faris Fajharika Yusmar Febilita Wulan Sari Firdaus, M. Raihan Ginanjar Safaat Giovani Anggasta Pratiwi Lambouw Gunawan, Verawati Haspada, Deny Hassanah, Nurul Hernawati Hernawati Hernawati Hernawati RAS Ihsan Maulana Indrajaya, C. Suryaarga Ipa Rosita Komarudin Komarudin Kurniawan, Cecep Soleh Kurniawati, Euis Laila M. Rasyid Lidya Nivisa Yusuf Ludi Hermawan Lukmanta, Hendi Fuky M. Riksa Fritansya Gumilar Maryadi Wijaya Muhammad Hatta Muhammad Taufik Hidayah Panji Adam Agus Putra Paulana Christian Suryamin Permana, Diki Permana, Yedi Widya Prasetia Randiana Prayitno, Sugeng Prayudi Juni Alamsyah Rahmawati, Amellia Ramadlon Adi Ali Fikri Razak, Abdul Kamil Rinjani, Diliya Mariam Riza Zulfikar Ryan Fani Santosa, Agung Sihombing, Indra Gatot sri dwiyanti Sri Mulyati Chalil Sudewo, Ari Suhardini, Eni Dasuki Suharno, Rachmat Suryawin, Paulana Christian Susanti, Rini Ayu Sutiamah, Titi Tejo, Eko Susanto Wahyu Purnama Sari wawan alowi Wijaya, Dion Untung Yeti Kurniati