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ANALISIS ASPEK PROSEDURAL DAN SUBSTANSIAL DALAM PEMBIAYAAN IJARAH MUNTAHIYAH BIT TAMLIK DI LEMBAGA KEUANGAN SYARIAH Muhammad Syarif Hidayatullah
Tadayun: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 2 (2021)
Publisher : Program Studi Hukum Ekonomi Syariah, Fakultas Syariah, Universitas Islam Negeri (UIN) Datokarama Palu

This research aims to analyze the procedural and substantial aspects of ijarah muntahiyah bit Tamlik (IMBT) financing in Islamic financial institution which constitutes muamalah fiqh construction in contemporary financial products, because there are still people who doubt the legality of sharia without looking at the procedures and substance, because it was considered a transaction prohibited by the Prophet. The research method used is normative legal research with a conceptual and statutory approach. The discussion in this article shows that the procedural aspects of IMBT financing by undertaking an ijarah agreement in advance as the first contract in which there is wa'ad transfer of ownership after the lease period ends. The nature of wa'ad is not binding, so after the lease period ends, it is necessary to carry out a contract of transfer of ownership with a new contract both in grants and sale.The Substantial aspects of IMBT financing from the perspective of the legality of sharia contracts, IMBT is not a series of two contracts that are merged into one unit or carried out at the same time where the mixture results in gharar (unclear), but the contract is arranged in two separate transactions and this is not included in the prohibition of two agreements (contract) in one agreement (contract) that is in the Prophet's hadith. Abstrak Penelitian ini bertujuan untuk menganalisis aspek prosedural dan substansial dalam pembiayaan ijarah muntahiyah bit Tamlik (IMBT) di lembaga keuangan syariah yang merupakan konstruksi fiqih muamalah dalam produk keuangan kontemporer, sebab masih ada yang meragukan legalitasnya secara syariah tanpa mencermati prosedur dan substansinya, karena dianggap transaksi yang dilarang Nabi. Metode penelitian yang digunakan adalah penelitian hukum normatif dengan pendekatan konseptual dan perundang-undangan. Pembahasan dalam artikel ini menunjukkan bahwa aspek prosedural dalam pembiayaan IMBT dengan dilakukannya akad ijarah terlebih dahulu sebagai kontrak pertama yang didalamnya terdapat wa’ad pemindahan kepemilikan setelah masa sewa berakhir. Sifat wa’ad tidaklah mengikat maka setelah masa sewa berakhir, perlu dilaksanakan akad pemindahan kepemilikan dengan kontrak baru baik secara hibah maupun jual beli. Aspek subtansial dalam pembiayaan IMBT pada perspektif legalitas akad syariah maka IMBT bukanlah rangkaian dua akad yang tergabung menjadi satu kesatuan atau dilakukan sekaligus yang percampurannya mengakibatkan adanya gharar (ketidakjelasan), melainkan akadnya tersusun dalam dua transaksi yang terpisah dan ini tidak masuk dalam larangan dua kesepakatan (akad) dalam satu kesepakatan (akad) yang ada pada hadits Nabi.

FORMULASI RECHTSVINDING DENGAN PENALARAN ANALOGIS DALAM EPISTEMOLOGI HUKUM ISLAM (Telaah Metodologis Qiyas sebagai Ra’y terhadap Mashâdir al-Ahkâm asy-Syar’iyyah) Muhammad Syarif Hidayatullah
JURIS (Jurnal Ilmiah Syariah) Vol 19, No 2 (2020)
Publisher : Institut Agama Islam Negeri Batusangkar

The background of this study is rechtvinding (legal discovery efforts) must be carried out to describe contemporary cases and then establish the law so that there is a legal status.. The qiyas method is a rechtvinding tool with analogical reasoning in the study of the epistemology of Islamic law. Qiyas is the use of ra'y against mashâdir al-Ahkâm asy-Syar'iyyah (al-Qur'an and sunnah) and is one of the secondary legal arguments agreed upon by jumhur scholars. This paper aims to study methodologically the flow of thinking and work patterns of rechtvinding through qiyas. Rechtvinding formulation with the qiyas method is carried out by equating the law of something that has no legal provisions with something that already has legal provisions in the text of the al-Qur'an and sunnah because of the equality of 'illat between the two. In the application of qiyas, there are pillars that must exist, namely ashl, far ', hukm al-ashl and' illat, each pillar has conditions that must be met as legality. With the similarity of 'illat, it can be applied qiyas between ashl to far'. 'Illat is divided into' illat manshushah and 'illat mustanbathah and methodologically there is a method of investigation to find out' illat which is called masâlik al-'Illat.

Economic and Legal Dimensions of Collateral Existence in Modern Mudhârabah Contracts: Understanding the Relationship between Risk Management, National Law, and Contemporary Fiqh Muhammad Syarif Hidayatullah; Rahmat Fadillah
Al-Manahij: Jurnal Kajian Hukum Islam Vol. 16 No. 2 (2022)
Publisher : Sharia Faculty of State Islamic University of Prof. K.H. Saifuddin Zuhri, Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/mnh.v16i2.6860

This paper examines the economic and legal dimensions of the existence and application of collateral in modern mudhârabah contracts. Through this multi-perspective study, this paper sought to see the relationship between risk management, national law, and contemporary fiqh in discussing the existence and application of the collateral. This paper was included in the library research design and specifically in legal research methodology, applying normative legal research types with a conceptual and statutory approach. Furthermore, this research found a relationship between risk management, national law, and contemporary fiqh in viewing the existence of collateral applied to modern mudhârabah contracts in Sharia banking through its financing products. Based on the perspective of risk management, its existence was a risk control for non-performing financing. Then, in the perspective of national law, it manifested the prudential principle mandated by the sharia banking law. Meanwhile, in the perspective of contemporary fiqh, it can be seen as an effort to avoid the harm that was in line with the sadd adz-dzari'ah principle. This relationship was realized by looking at the existence of collateral in modern mudhârabah contracts as a preventive instrument.

STUDI AL-QURAN DAN HADITS TENTANG EKSISTENSI DAN KONSTRUKSI AKUNTANSI SYARIAH Muhammad Syarif Hidayatullah
Bilancia: Jurnal Studi Ilmu Syariah dan Hukum Vol. 14 No. 2 (2020): BILANCIA
Publisher : Fakultas Syariah Institut Agama Islam Negeri Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/blc.v14i2.543

The basic concept of accounting is recording and in development is divided into various financial recording systems in different categories. Islam with comprehensive Shari'a not only regulates vertical problems, namely the relationship between humans and God in matters of ubudiyah, but also regulates the horizontal problems of human relations with humans in matters of muamalah and that is where there is accounting activity, the presence of the term sharia accounting shows the existence of Islamic values absorbed in the activity. In principle, the existence of Islamic accounting is contained in the QS. Al-Baqarah / 2: 282. Allah swt. has recommended recording for non-cash transactions, it is not without reason, because it certainly contains benefits in it. The construction of sharia accounting based on verses of the a-Quran and hadith is not only value-free activities, but sharia accounting is a combination of accounting (writing) and accountant (writer) activities with an accountant required to be professional and to have an honest personality and to work patiently and conscientiously apart pay attention to sharia standards in financial statements.

STRATEGI MENGOPTIMALKAN PERAN DPS DALAM PENEGAKAN PRINSIP SYARIAH DI LEMBAGA KEUANGAN SYARIAH : Upaya Menjaga Sharia Compliance Muhammad Syarif Hidayatullah
Bilancia: Jurnal Studi Ilmu Syariah dan Hukum Vol. 16 No. 1 (2022): BILANCIA
Publisher : Fakultas Syariah Institut Agama Islam Negeri Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/blc.v16i1.907

Islamic Financial Institutions are financial institutions whose operations are based on sharia principles. The business that is run must not have prohibited elements in its financial transactions such as riba, maysir and gharar. The presence of a Sharia economic fatwa issued by DSN-MUI becomes a guideline for LKS in formulating its financial products to be in accordance with sharia contracts. To maintain the implementation of sharia principles in LKS, there is a Sharia Supervisory Board as a representation of DSN-MUI whose position acts as a sharia compliance supervisor who is in charge of maintaining conformity between the DSN-MUI fatwa and the practice of financial products in LKS. The study in this paper aims to analyze the existence of DPS in LKS and then try to formulate strategies to optimize the role of DPS in controlling shariah compliance. The existence of DPS in LKS has a very important position in controlling shariah compliance and strategies that can be carried out in optimizing its role such as socializing about the role of DPS actively so that there is no more confusion about how the role of DPS, the selection of DPS which must prioritize capabilities (mastering contemporary Islamic economics and finance and fiqh muamalah) rather than just figuration, Furthermore, strengthening the position of DPS in order to have independence so that it is safe from potential intervention in the implementation of its duties.

SPEKULASI DALAM TRANSAKSI PASAR MODAL SYARIAH (POTENSI KEBERADAAN DAN SOLUSI PENANGANAN) Ahmad Azizi; Muhammad Syarif Hidayatullah
Yurisprudentia: Jurnal Hukum Ekonomi Vol 6, No 2 (2020)
Publisher : Institut agama islam negeri Padangsidimpuan

The research objective in this paper is to analyze the potential existence of speculation in transactions on the Islamic capital market and solutions in an effort to overcome the practice of speculation. Speculative activity that differentiates between Islamic investment and conventional investment is a problem in the contract concept. Gharar which is translated as speculation is equated with gambling because of the uncertainty of both parties (seller and buyer). Speculative activities that can damage liquidity and share prices make it a prohibited activity. The solution as an effort that can be done to reduce speculative activity in the Islamic capital market is to implement a minimum holding period policy, which is a policy of a minimum period for selling shares.

SPEKULASI DALAM TRANSAKSI PASAR MODAL SYARIAH (POTENSI KEBERADAAN DAN SOLUSI PENANGANAN) Ahmad Azizi; Muhammad Syarif Hidayatullah
Yurisprudentia: Jurnal Hukum Ekonomi Vol 7, No 1 (2021)
Publisher : Institut agama islam negeri Padangsidimpuan

The research objective in this paper is to analyze the potential existence of speculation in transactions on the Islamic capital market and solutions in an effort to overcome the practice of speculation. Speculative activity that differentiates between Islamic investment and conventional investment is a problem in the contract concept. Gharar which is translated as speculation is equated with gambling because of the uncertainty of both parties (seller and buyer). Speculative activities that can damage liquidity and share prices make it a prohibited activity. The solution as an effort that can be done to reduce speculative activity in the Islamic capital market is to implement a minimum holding period policy, which is a policy of a minimum period for selling shares.

Membumikan Ekonomi Syariah di Indonesia (Sebuah Upaya Memasyarakatkan Ekonomi Syariah dan Mensyariahkan Ekonomi Masyarakat) Muhammad Syarif Hidayatullah
Ijtihad Vol. 14 No. 2 (2020)
Publisher : Universitas Darussalam Gontor

Ekonomi konvensional terbukti belum bisa menghadapi krisis dan kesenjangan yang terjadi dalam sektor ekonomi di Indonesia, dengan begitu sebagai sebuah sistem ekonomi, maka ekonomi syariah menawarkan nilai-nilai kemaslahatan dan keadilan yang berorientasi pada kesejahteraan dengan dasar pijakan kalam ilahi dan sunnah nabi sebagai fondasi yang membangun sebuah perekonomian. Oleh karena itu ekonomi syariah perlu diupayakan agar menjadi ruh sistem ekonomi di Indonesia. Hasil pembahasan menunjukkan bahwa upaya membumikan ekonomi syariah dengan memasyarakatkan ekonomi syariah dan mensyariahkan ekonomi masyarakat perlu dilakukan dengan sinergi semua stakeholder baik itu akademisi, praktisi, politisi, regulator, pengusaha dan masyarakat yang peduli terhadap tumbuh kembangnya ekonomi syariah di Indonesia serta tetap dinamis dengan perkembangan teknologi. Upaya tersebut perlu dilakukan secara konsisten sebab masih banyak pembenahan dan perbaikan yang perlu dilakukan baik itu secara yuridis maupun sosiologis. Bagaimanapun, secara historis gerakan aktualisasi ekonomi syariah bermula dari bawah ke atas (masyarakat ke pemerintah), bukan dari atas ke bawah (pemerintah ke masyarakat). Akan tetapi seiring berjalannya waktu, mulai terlihat alur pengembangan ekonomi syariah membuka ruang dari atas ke bawah (pemerintah ke masyarakat).

Upaya Dinamisasi Sistem dan Soliditas Regulasi dalam Manajemen Risiko Pembiayaan 4.0 pada Perbankan Syariah Muhammad Syarif Hidayatullah; Tri Hidayati
Ijtihad Vol. 16 No. 1 (2022): Ekonomi dan Hukum Islam
Publisher : Universitas Darussalam Gontor

Kajian dalam tulisan ini dilatar belakangi bahwa saat ini kita telah masuk pada era disrupsi dengan fenomena revolusi industri 4.0, dimana bank syariah menjadi salah satu institusi dan pelaku industri yang harus merespon hal tersebut dalam operasionalnya. Respon positif yang perlu ditunjukkan adalah dengan melakukan manajemen resiko pembiayaan 4.0 dengan sinergi antara dinamisasi sistem dan soliditas regulasi merespon revolusi industri 4.0. Penelitian dalam tulisan ini adalah penelitian kualitatif dengan jenis penelitian hukum normatif menggunakan pendekatan konseptual. Hasil pembahasan menunjukkan bahwa upaya mewujudkan manajemen resiko pembiayaan 4.0 dengan melakukan dinamisasi sistem yang beradabtasi dengan era cyber, big data dan internet of things baik itu dalam manajemen resiko pada tahap screening ,monitoring maupun penanganan non performing financing seperti implementasi credit scoring. Sistem yang dinamis perlu pula didukung aspek yuridis agar memberikan kekuatan hukum dengan terwujudnya soliditas regulasi dengan hadirnya regulasi-regulasi yang merepresentasikan progresivitas hukum yang sudah seharusnya menjadi tanggung jawab OJK melalui rumusan POJK dengan bersinergi dengan DSN-MUI melalui fatwanya yang dilegitimasi oleh undang-undang.

Electronic Money As A Contemporary Financial Product From The Perspective of Islamic Economic Law (Juridical, Philosophical, And Sociological Studies) Muhammad Syarif Hidayatullah
Isti`dal : Jurnal Studi Hukum Islam Vol 10, No 1 (2023): Islamic Law
Publisher : Faculty of Sharia and Law Universitas Islam Nahdlatul Ulama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/ijshi.v10i1.4867

Electronic money is a means of payment in contemporary financial transactions. This paper aims to analyze the existence of electronic money as a financial product that is part of contemporary economic activity through juridical, philosophical, and sociological studies. In juridical studies, through the study of fiqh muamalah, DSN-MUI has formulated a fatwa on sharia electronic money as an answer to the presence of electronic money in modern economic activities. The fatwa lists the mashadir al-ahkam and Islamic legal maxim related to views on the legality of electronic money. It formulates views on the agreements that apply to electronic money. In philosophical studies through the study of maqashid sharia, the existence of electronic money is related to hifzh al-mâlin terms of security and safeguarding assets in transactions, and during the pandemic in the previous year, hifzh an-nafs also applied, and there are benefits in the framework of maslahah, including the category of maslahah mursalah in the use of electronic money. In addition, in sociological studies through the study of socioeconomic behavior, there was a shift from conventional/ manual payment methods to digital because of the benefits and advantages offered; thus, a cashless culture occurred.Electronic money is a means of payment in contemporary financial transactions. This paper aims to analyze the existence of electronic money as a financial product that is part of contemporary economic activity through juridical, philosophical, and sociological studies. In juridical studies, through the study of fiqh muamalah, DSN-MUI has formulated a fatwa on sharia electronic money as an answer to the presence of electronic money in modern economic activities. The fatwa lists the mashadir al-ahkam and Islamic legal maxim related to views on the legality of electronic money. It formulates views on the agreements that apply to electronic money. In philosophical studies through the study of maqashid sharia, the existence of electronic money is related to hifzh al-mâlin terms of security and safeguarding assets in transactions, and during the pandemic in the previous year, hifzh an-nafs also applied, and there are benefits in the framework of maslahah, including the category of maslahah mursalah in the use of electronic money. In addition, in sociological studies through the study of socioeconomic behavior, there was a shift from conventional/ manual payment methods to digital because of the benefits and advantages offered; thus, a cashless culture occurred

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