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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Asy-Syari'ah El-Mashlahah Al-Mustashfa Jurnal Ilmiah Ekonomi Islam Al-Amwal : Journal of Islamic Economic Law Journal of Islamic Economic Laws El-Furqania : Jurnal Ushuluddin dan Ilmu-Ilmu Keislaman EkBis: Jurnal Ekonomi dan Bisnis Al Maal: Journal of Islamic Economics and Banking AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah El Mudhorib Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Pariwisata Nusantara Qawanin: Journal of Economic Syaria Law Gunung Djati Conference Series Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Khazanah Hukum
Muhamad Izazi Nurjaman
UIN Sunan Gunung Djati Bandung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Re-Reading Al-Uqud Al-Murakkabah: Types and Models of Hybrid Contracts Concept in Fatwa DSN-MUI Pitriani Pitriani; Doli Witro; Muhamad Izazi Nurjaman; Iib Hibaturohman; Imaro Sidqi
Khazanah Hukum Vol. 6 No. 2 (2024): Khazanah Hukum Vol 6, No 2 August (2024)
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/kh.v6i2.34717

Abstract

The aims of this research is to clarify the type of multi-contract used by National Sharia Council-Indonesian Ulama Council (DSN-MUI) in its product innovation, so that the multi-contract concept used is a multi-contract concept that is in accordance with sharia rules and principles. This research is sharia economic law research that uses descriptive literature research methods. This research uses a normative juridical approach. The primary data used in this research is the DSN-MUI Fatwa which is related to the concept of hybrid contracts in the innovation of sharia banking products. Meanwhile, Secondary data sources include various sources of literature such as laws, scientific articles, books, and others. The data analysis technique used was the cumulative data analysis technique of Miles et al., namely data condensation, data presentation, and drawing conclusions. This study found that so far, the DSN-MUI has used the type of multi-contract for similar contracts (a combination of muawadhat contracts) and also non-similar contracts (a combination of muawadhat contracts and tabarru’ contracts) provided that there is a separation of agreement documents to avoid usury schemes for the use of these contract combinations and income (both margins, ujrah, and profit sharing) is obtained from the use of muawadhat contracts. This non-similar contract combination scheme is confirmed in the Fatwa on the Income of Islamic Financial Institutions (LKS) During the Construction Period (Fatwa No. 142 of 2021), namely Al- Uqud al-Murakkabah al-Muta’addidah. Meanwhile, the hybrid contracts scheme for similar contracts uses the Al-Uqud al-Murakkabah al-Mutajanisah hybrid contracts scheme
Law of Usury (RIBA) According to Masyarakat Tanpa Riba (MTR): Perceptions, Attitudes, and Movements Sofian Al-Hakim; Doli Witro; Muhamad Izazi Nurjaman
Asy-Syari'ah Vol. 26 No. 1 (2024): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v26i1.29639

Abstract

After the merger, three banks under State-Owned Enterprises (BUMN), namely BNI Syariah, BRI Syariah, and Bank Syariah Mandiri, became Bank Syariah Indonesia (BSI), opening opportunities for the development of Islamic financial institutions in Indonesia. However, according to the Masyarakat Tanpa Riba (Society Without Riba) (MTR), Islamic banks are not much different from conventional banks (BK). Therefore, the focus of this article is the law of usury in the view of the MTR, which is seen in three aspects, namely, the perception, attitude, and movement of the MTR. This paper aims to determine the law of usury from the view of the MTR. This article uses a qualitative research method, which is field research. Data collection techniques used are observation, interviews, and documents. The data analysis technique in this paper uses data condensation, data presentation, and conclusion. The study results show that the MTR is an anti-usury community. MTR can be categorised as a textualist and rigid group (mutasyadidun). The rigid MTR method often implies that Islamic economic development is static and monolithic. The existence of the MTR will be productive if it is read not as a threat but as an auto-criticism against Sharia financial practices that are not yet perfect, highlighting the potential impact of the MTR's perspective on Islamic financial practices.
Co-Authors Camelia Sofwan Al-Rasyid Dena Ayu Dena Ayu Dewi Amrom Musta’idah Doli Witro Fadli Daud Abdullah Gojali, Dudang Hardiansyah Tambunan Helmi Muti Sofie Hulaiva Pary Iib Hibaturohman Ikin Rojikin Ilma Amalia Imaro Sidqi Istianah Istianah iwan setiawan Mohammad Sar'an Mualimin Mochammad Sahid Mursal Mursal Naafisah, Didah Durrotun Nana Herdiana Pitriani Pitriani Sisi Ade Linda Sofian Al Hakim, Sofian Syahrul Anwar Syarif Hasim Witro, Doli Witro, Doli Yumna Hasna’ Azizah Zufriani Zufriani