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All Journal DE JURE Al-Amwal : Journal of Islamic Economic Law Jurnal Hukum dan Peradilan
Ah. Azharuddin Lathif
Masyarakat Ekonomi Syariah (MES)
Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Other

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HUKUM JAMINAN DALAM PEMBIAYAAN DI PERBANKAN SYARI’AH Lathif, Ah. Azharuddin
De Jure: Jurnal Hukum dan Syari'ah Vol 1, No 2: Desember 2009
Publisher : Fakultas Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/j-fsh.v1i2.331

Abstract

Islamic banks have been developing rapidly during this decade. To some extent, it may show the Islamic monetary revival. One of the products introduced by Islamic banks in Indonesia is mudharabah. The original principle in mudharabah is without giving assurance. Nevertheless, in this transaction, no guarantees are provided to keep money well circulated in economic activities. Therefore, banks usually apply prudential principles before giving the credits to customers, such as demanding customers’ guarantees that they will return the money on time. Hence, this article aims at describing the urgency of assurance in mudharabah transaction.Bank Islam telah berkembang cepat selama sepuluh tahun terakhir ini. Hingga batas tertentu, hal itu menunjukkan kebangkitan keuangan Islam. Salah satu produk yang diperkenalkan oleh bank Islam di Indonesia adalah mudharabah. Prinsip mendasar dari mudharabah adalah ketiadaan kepastian. Meskipun demikian, daalam transaksi semacam itu, ketiadaan jaminan dimaksudkan untuk menjaga perputaran uang dalam aktifitas ekonomi. Oleh karena itu, bank biasanya menerapkan prinsip kehati-hatian sebelum memberikan kredit kepada nasabahnya, misalnya dengan meminta garansi dari nasabah bahwa mereka akan mengembalikan pinjaman tepat waktu. Artikel ini berusaha menggambarkan pentingnya jaminan dalam transaksi mudharabah.Keywords: Bank Islam, mudharabah, jaminan.
THE SUITABILITY OF SHARIA LIFE INSURANCE POLICY FOR POJK NO. 69/POJK.05/2016 AND POJK NO. 72/POJK.05/2016 Lathif, AH. Azharuddin; Habibaty, Diana Mutia
Jurnal Hukum dan Peradilan Vol 8 No 1 (2019)
Publisher : Pusat Strategi Kebijakan Hukum dan Peradilan Mahkamah Agung RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25216/jhp.8.1.2019.63-83

Abstract

The increasing of sharia insurance companies have sprung up in Indonesia. However, in their policy contracts there are still some parts that are not in accordance with sharia principles. This mismatch can cause information distortion that can harm customers or sharia insurance participants. The Sharia Insurance Policy as a form of written contract between the insurance company and the customer or the insurance participant should duly follow sharia principles in order to avoid the elements that forbid it, therefore in Indonesia the policy making must follow the legislation, namely Financial Services Authority Regulation No.69 / POJK.05 / 2016 (hereinafter abbreviated as POJK No.69 / POJK.05 / 2016) and the Financial Services Authority Regulation No.72 / POJK.05 / 2016 (hereinafter abbreviated as POJK No.72 / POJK.05 / 2016) as the basis of the rule legislation describing the standardization of sharia policy contracts. This study uses qualitative methods, the data used in the form of primary, secondary, and non-legal materials. The technique used is in the form of content analysis with the theme of normative juridical research that analyzes legal principles and systematics, and how much the level of synchronization of ABC Islamic sharia insurance products at PT. XYZ against POJK No.69 / POJK.05 / 2016 and POJK No.72 / POJK.05 / 2016. The results of this study concluded that generally the ABC Islamic Sharia insurance policy PT. XYZ is in accordance with POJK No.69 / POJK.05 / 2016 and POJK No.72 / POJK.05 / 2016, but there are some peculiarities in this policy so that it still needs to be questioned about the welfare side.
A Study of DSN-MUI Fatwa No. 153/2022 concerning Discounts on Early Settlement of Murabahah Financing, Sajad, Ali; Lathif, Ah. Azharuddin; Habibaty, Diana Mutia
Al-Amwal : Journal of Islamic Economic Law Vol. 10 No. 1 (2025): Al-Amwal : Journal of Islamic Economic Law
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v10i2.8023

Abstract

Purpose - This study was conducted to clarify common misconceptions in understanding the distinction between the time value of money theory and the economic value of time theory in relation to DSN Fatwa No. 153/DSN-MUI/VI/2022 on the Early Settlement of Murabahah Financing, particularly with reference to the fiqih principle inna li al-zamani hisshotan min al-tsaman. Methods - This research constitutes a library study employing a normative approach in examining statutory regulations, scholarly books, classical fiqh works, DSN-MUI fatwas, and other relevant literature pertaining to the subject of this thesis. A descriptive analytical method was applied to elaborate on the central theme, providing an in-depth explanation based on the facts identified by the researcher. Results - The results of the research show that DSN’s Fatwa No. 153/DSN-MUI/VI/2022—specifically the fiqh principle inna li al-zamani hisshotan min al-tsaman—accommodates the theory of the economic value of time, rather than the time value of money. This conclusion is substantiated through a comparative analysis of several aspects shared between the economic value of time theory and the fiqih principle, namely: the role of money, the role of time, tangible assets/real effort, the distinction between cash and deferred prices, the practice of discounts, and the moral/maslahah dimension. Implications - As a practical implication, the results of this research can be used as a reference for the wider public and, more specifically, for financial practitioners, in order to avoid misinterpretations regarding the distinction between the time value of money and the economic value of time. Such understanding is essential to accurately identify which theory is accommodated within the fiqh maxim inna li al-zamani hisshotan min al-tsaman as reflected in DSN Fatwa No. 23/DSN-MUI/III/2002 on Discounts for Early Settlement of Murabahah Financing.
Co-Authors Habibaty, Diana Mutia Habibaty, Diana Mutia Sajad, Ali