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Rahmaniar
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Journal : el-iqtishady

 1 
PENERAPAN AKAD IJARAH DALAM LEMBAGA KEUANGAN SYARIAH: STUDI KASUS PADA BANK SYARIAH DI INDONESIA Rahmaniar; Rahmah Rafifah Abu; Lince Bulutoding; Saiful Muchlis
El-Iqthisadi Vol 7 No 1 (2025): Juni
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisady.v7i1.58467

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisis penerapan akad ijarah dalam lembaga keuangan syariah, khususnya pada bank syariah di Indonesia. Akad ijarah merupakan bentuk transaksi sewa-menyewa yang telah disesuaikan dengan prinsip-prinsip syariah. Dalam praktiknya, akad ijarah digunakan pada berbagai produk pembiayaan seperti ijarah muntahiya bittamlik. Penelitian ini menggunakan metode studi kepustakaan dengan mengkaji literatur yang relevan. Hasil kajian menunjukkan bahwa akad ijarah memberikan solusi pembiayaan yang adil dan bebas riba, meskipun dalam implementasinya masih terdapat tantangan seperti pemahaman nasabah yang rendah dan manajemen aset oleh bank. Oleh karena itu, diperlukan peningkatan literasi dan regulasi yang mendukung optimalisasi akad ini dalam sistem perbankan syariah. Kata Kunci: Ijarah, Bank Syariah, Pembiayaan Syariah, Perbankan Islam, Akad Abstract This study aims to analyze the implementation of the ijarah contract in Islamic financial institutions, particularly Islamic banks in Indonesia. Ijarah is a lease-based contract adapted to comply with sharia principles. In practice, it is applied in various financing products, such as ijarah muntahiya bittamlik. This research employs a library research method by reviewing relevant literature. The findings indicate that the ijarah contract offers fair, interest-free financing solutions. However, its implementation still faces challenges, including limited customer understanding and asset management issues by banks. Therefore, improved public literacy and supportive regulations are necessary to optimize the use of ijarah in the Islamic banking system. Keywords: Ijarah, Islamic Bank, Sharia Financing, Islamic Banking, Contract
Co-Authors Abu Hasan Adi Sastra Pengalaman Tarigan Aditya Adnan Ahmad Dani Aisah Akhyar, Chairil Amru Usman Aprida Hanum Arliansyah Arnela Nur Bahri, Halida budi hartono Chalirafi Cut Dhea Fidela Dwiyanti Mustaka, Zulfitriany Edison Emelia Fitri Limchio Sinaga Erna Isfayani Ernawati Jassin, Ernawati Erpandi Dalimunthe Eva Ayuzar Fakhri, Ade Falahuddin Farhan Kandarifa Fayza Yovania Br Sembiring Feri Karyanta Bangun Fidya Amira Nasution Fitrian Rizky Fuad, Raja Nasrul Fuadi Hamdiah Harianti, Indah Haris Gunawan Hartati Bahar Hartini Heriyana Ikramuddin, Ikramuddin Ilham Ahmad Ilyasa Ramadhan INDAH PURNAMASARI Isfayani, Erna Jamaluddin Majid Jamil, Afwan Jullimursyida Kamrin Khadijah Vanny Khairawati Khairil Anwar Khairina AR Likdanawati Lince Bulutoding Lisnawati M. Subhan Mardhiah, Ainol Mariani Mariyudi Martha Aznury Maryudi Matti, Agussalim Mhd Erpandi Dalimunthe Mhd Rizki Syahputra Mhd. Ilyasa Lubis Mita Darmayanti Mohd Heikal MUCHSIN Mufid, M. Nuzul Muhammad Ade Hendarso Muhammad Fahreza W Muhammad Kadir Muhammad Rais Muhammad Zaman Muhibuddin Munir, Nur Faidah Mustakim Muchlis nasrianti Naufal Bachri, Naufal Nia Kurniawati Nofan Rullyanto Tinambunan Nur Faliza Nurainun Nurazizah Parlin Hambali Pristisal Wibowo Puja Ramadhani Putri Faradila Radha Chitta Vritti Rafifah Abu, Rahmah Rahmah Rafifah Abu Rahman Ambo Masse Ratna Wilis Razali, Ramadhan Rico Nur Ilham Ridwan, Wahyu Rinaldo Mirza H Sitorus Ristati Ristati Rizaldy, Adhy Robert Junaidi Rosa Zachrul Phonna Rudi Maulana Rusydi Said Abdillah Saiful Bahgia Saiful Muchlis Saleh, Firman Samsul Bahri Sapna Biby Sapto Haryoko Satria Darmawan Sofyan Jafar Supriadi Suriani Sutriani Syahbudin Syahbudin, Syahbudin Syamsul Bahri Syifa Thahira Yusral T. Edyansyah, T. Edyansyah Talita Ainun Nursalsabillah C Taufik Refyandra Teuku Yudi Afrizal Trio Putra Agung Wijaya Wahyu Desmandra Wahyu Fuadi Wahyuddin Widia Kamisah M Br Tinambunan Widyana Verawati Siregar Widyana Verawaty Siregar Yulis Sayang Zulham Zulham Zulkifli Zulkifli Surahmat Zuraidah Tharo