Claim Missing Document
Check
Articles

Found 24 Documents
Search

Akad Murokab on the DSN-MUI Fatwa and its Effect on Islamic Bank Funding Products Fatah, Dede Abdul; Muchtasib, Ach. Bakhrul; Rahmatullah, Indra; Soydan, Mustafa Zafer
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 14 No. 1 (2022)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v14i1.25620

Abstract

The study determines whether Islamic bank management understands hybrid contracts in the DSN-MUI funding fatwa and its influence on developing funding products in Islamic banks. The type of research used is normative juridical to examine the application of Islamic legal rules both at the methodological level (uṣul fiqh) and fiqh rules and at the product level (fiqh). The primary data of this study comes from the DSN-MUI fatwa and interviews to explore the understanding of Islamic bank management towards hybrid contracts in the DSN-MUI funding fatwa. This study indicates that from eight fatwas on DSN- MUI funding products, only fatwa No. 86 and 87 containing hybrid contracts. There are several theoretical frameworks, standards, and limitations (ḍawābiṭ) that the DSN-MUI has determined. The study also shows that the management of Islamic banks, generally, has understood the theoretical framework, standards and limitations of hybrid contracts on Islamic bank funding products only in textual concept. The textual understanding can increase the portfolio of funding products. This can be evidenced by the increasing portfolio of muḍārabah savings and income smoothing programs at Islamic banks.  Abstrak Penelitian ini mengkaji apakah manajemen bank syariah memahami kontrak hybrid dalam fatwa pendanaan DSN-MUI dan pengaruhnya terhadap pengembangan produk pendanaan di bank syariah. Metode yuridis normatif digunakan untuk mengkaji penerapan kaidah hukum Islam baik pada tataran metodologis (ushul fiqh) dan kaidah fikih maupun tataran produk (fikih). Data utama penelitian ini bersumber dari fatwa DSN-MUI dan wawancara untuk menggali pemahaman manajemen bank syariah terhadap multi akad pada fatwa pendanaan DSN-MUI. Penelitian ini menunjukan bahwa dari 8 fatwa produk pendanaan DSN-MUI hanya fatwa No. 86 dan 87 yang terdapat multi akad dengan beberapa kerangka teori, standar, dan batasan-batasan (ḍawābiṭ) yang telah ditentukan oleh DSN-MUI agar tidak terjeurumus pada multi akad yang dilarang. Penelitian ini juga menunjukan bahwa manajemen bank Syariah secara umum sudah memahami kerangka teori, standar dan batasan-batasan multi akad pada produk pendanaan bank Syariah pada konsep tekstual di mana dapat mempengaruhi peningkatan portofolio produk penadanaan. Hal ini dapat dibuktikan dengan meningkatnya portofolio tabungan mudharabah dan program income smoothing di bank Syariah.
Developing Islamic Economic and Finance Literacy among Insurance Brokers Dede Abdul Fatah; Inas Afifah Zahra; Bambang Waluyo; Khalda Abidaturrahman; Wanda Mutia; Arka Balacosa Argyyndra
Jurnal Pengabdian Masyarakat dan Penelitian Thawalib Vol. 4 No. 2 (2025): Jurnal Pengabdian Masyarakat dan Penelitian Thawalib
Publisher : STAI Publisistik Thawalib Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54150/thame.v4i2.748

Abstract

Islamic economics and finance are experiencing rapid global growth; however, literacy within Indonesia’s insurance brokerage sector remains low, necessitating empowerment initiatives to enhance understanding and compliance with Sharia principles. This community empowerment initiative aims to improve Islamic economic and financial literacy among insurance brokers by introducing the principles of Sharia contracts and examining the potentials and challenges of the Islamic insurance brokerage industry. The workshop was held on July 4, 2025, at PT. Perisai Bhakti Raharjo involved 29 participants and employed a participatory approach combining interactive lectures, case discussions, and group-based problem-solving sessions. The outcomes significantly improved participants’ understanding of Sharia financial concepts. The majority could differentiate between conventional and Islamic insurance, comprehend the role of Islamic insurance brokers, and recognize the application of Sharia contracts in financial transactions. These findings indicate that community-based, participatory learning effectively enhances Sharia financial literacy and professional competence, particularly in underexplored sectors such as insurance brokerage. This workshop is a practical reference and a replicable model for similar initiatives to increase Sharia compliance awareness within Indonesia’s financial sector. In conclusion, the Islamic Economic and Finance Literacy Workshop for Insurance Brokers improved participants’ understanding of the challenges and opportunities within the Islamic insurance industry, the foundational Islamic legal principles, and the application of Sharia-compliant contractual mechanisms.
Analisis Akad-Akad Komersial dalam Rangka Pendayagunaan Aset Yayasan (Studi Kasus Yayasan X) Fahd Noor; Mukhamad Yasid; Dede Abdul Fatah
IRTIQO' : Postgraduate Journal of Islamic Economics, Finance and Accounting Studies Vol. 3 No. 2 (2024): Irtiqo: Postgraduate Journal of Islamic Economics, Finances and Accounting Stud
Publisher : Department Islamic Economics

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk menganalisis kesesuaian penerapan akad komersial di lingkungan pesantren dengan ketentuan syariah yang ditetapkan oleh Dewan Syariah Nasional Majelis Ulama Indonesia. Penelitian ini bersifat kualitatif deskriptif dengan metode observasi, wawancara dan analisis data. Objek penelitian ini adalah Unit Usaha Yayasan X. Hasil penelitian menunjukkan bahwa masih terdapat sejumlah akad komersial yang belum sesuai dengan prinsip syariah. Oleh karenanya, diperlukan adanya upaya peningkatan pemahaman fikih muamalah kontemporer, pembentukan Dewan Pengawas Syariah dan inovasi akad syariah.
Mengurai Permasalahan Pengelolaan Wakaf Uang pada Nazhir Perguruan Tinggi Maesya Bani; Dede Abdul Fatah; Muhammad Hasbi Zaenal
IRTIQO' : Postgraduate Journal of Islamic Economics, Finance and Accounting Studies Vol. 3 No. 2 (2024): Irtiqo: Postgraduate Journal of Islamic Economics, Finances and Accounting Stud
Publisher : Department Islamic Economics

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to look at the problems in the management of cash waqf managed by universities. As well as finding the best solutions and strategies that can be applied. Cash waqf which should be one of the Islamic social financial instruments that answers the problem of higher education costs, is currently not maximally managed. However, the practice of endowment funds has been applied by various universities abroad and in the country to support educational activities. This research uses the Analytical Network Process (ANP) method by taking data from expert respondents who are waqf experts. The total number of experts is 5 people who come from the background of regulators, academics and waqf practitioners. The results showed that the priority problem in the management of cash waqf managed by universities is the IT aspect. Starting from information technology, information systems and computerization of waqf databases. Followed by the issue of sharia, regulation, and then human resources. In terms of solutions, IT strengthening is a priority strategy for waqf management managed by universities. Then the strengthening of professional & certified Nazir human resources.