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Hari Susanto
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الحيل وتطبيقاتها في المعاملات المالية المعاصرة بيع الوفاء نموذجا (دراسة فقهية تحليلية لفتوى الهيئة الشرعية الوطنية لمجلس العلماء الإندونيسي ومجمع الفقه الإسلامي الدولي بشأن اتفاقية إعادة الشراء (الريبو) كتطبيق بيع الوفاء المعاصر) Ridwan Agustiawan; Trisiladi Supriyanto; Hari Susanto
Reslaj: Religion Education Social Laa Roiba Journal Vol. 7 No. 3 (2025): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v7i3.6658

Abstract

This study aims to analyze ḥiyal within the framework of contemporary financial transactions, with a focus on bayʿ al-wafā as an applied model. It also sheds light on the fatwas issued by the National Sharia Board of the Indonesian Council of Ulama (DSN-MUI) and the International Islamic Fiqh Academy (IIFA) regarding repurchase agreements as a contemporary application of bayʿ al-wafā . The research adopts an inductive, analytical, and comparative methodology. The study concluded with several key findings, most notably that the disagreement among jurists regarding the use of ḥiyal is primarily verbal. They unanimously agree on the criterion by which ḥiyal is classified as permissible or impermissible: its alignment or conflict with the principles of Islamic law. The disagreement lies in categorizing specific cases under either category, which varies from one case to another. Additionally, the study found that repurchase agreements closely resemble bayʿ al-wafā with no significant differences between them. Both transactions, in reality, represent interest-bearing loans riba , as the sales and purchases involved are not genuine. Thus, they are prohibited because they serve as a stratagem to circumvent riba. The study further highlights that both the National Sharia Board (DSN-MUI) and the International Islamic Fiqh Academy (IIFA) agree on the necessity of aligning repurchase agreements with the principles of Islamic law. However, they differ in their rulings. The DSN-MUI permits such agreements, provided they adhere to specific conditions outlined in its fatwa, while the IIFA prohibits them, considering them transactions tainted with riba ambiguity. The primary difference lies in the methodology of ijtihad and the application of Shariah principles within the context of repurchase agreements.
ANALYSIS OF THE IMPLEMENTATION OF DSN-MUI FATWA NO. 44/DSN–MUI/2004 ON THE IJĀRAH CONTRACT IN MULTISERVICE FINANCING AT ISLAMIC FINANCIAL INSTITUTIONS: A Case Study of BPRS Artha Fisabilillah Cianjur Mas Atiawati; Ibdalsyah Ibdalsyah; Hari Susanto; Haris Renaldi
Ad Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 10 No 01 (2026): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v10i01.10048

Abstract

The increasing complexity of economic activities requires financing instruments that are not only responsive to public needs but also compliant with Islamic principles. One such instrument offered by Islamic financial institutions is multi-service financing based on the ijarah contract. However, improper implementation may lead to deviations from sharia principles, particularly the risk of riba. This study aims to analyze the implementation of the ijarah contract in multi-service financing at BPRS Artha Fisabilillah Cianjur, examine its conformity with the DSN-MUI Fatwa Number 44 of 2004, and identify potential indications of non-sharia practices. This research employs a qualitative field research approach. Data were collected through observation, interviews, and documentation, using both primary and secondary sources. The data were analyzed using descriptive qualitative methods. The findings indicate that the implementation of ijarah-based multi-service financing at BPRS Artha Fisabilillah has complied with the provisions stipulated in DSN-MUI Fatwa Number 44 of 2004, particularly regarding the object of the contract and the determination of ujrah. Therefore, the financing practice can be considered sharia-compliant and free from elements of riba.
Co-Authors Ahmad Rudini Akbar Putra Wahyu Utomo Arif Hartoyo Arum Melati Astuti - Attahiriah, Attahiriah Bio Ertanto Calvin Alexander Utama Cindy Rahmadanie Cintia Lestari Deky Prasetyo Dela Puspita Deva Nur Tiara Putri Eko Cahyo Purnomo Faissal Alfiannur Fransiska R Zakaria Guruh Fajar Alamsyah Haris Renaldi Hary Yuswadi Hidayat Torrahman Ibdalsyah Ibdalsyah Ika Widiastuti Indri Karina Khairi Rakin Mas Atiawati Maulidya Zahra Naomi, Naomi Nizar Achmad Ridwan Agustiawan Rully Fahrezy Seanewati Oetama Supranoto Supranoto Tania Edna Bhakty Titek Widyasari Trisiladi Supriyanto