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Iffatin Nur
Universitas Islam Negeri (UIN) Sayyid Ali Rahmatullah Tulungagung
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Hybrid Contract In Islamic Banking Innovation In Indonesia: Systematic Mapping And Analysis Of Implementation Models Muflihatul Bariroh; Iffatin Nur; Asmawi Mahfudz; Zainur Rofik
International Journal of Economics and Development Vol. 2 No. 1 (2026): Vol 2 No 1 June 2026
Publisher : Ponpes As-Salafiyyah Asy-Syafi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/ijed.v2i1.1631

Abstract

Innovations in Islamic banking products in Indonesia are increasingly relying on hybrid contracts, or al ‘uqud al murakkabah, as the primary instrument to meet complex contemporary financial needs. However, there is currently no systematic mapping that simultaneously analyzes the types, implementation patterns, and Sharia compliance challenges of all hybrid contract models across categories of Islamic banking products in Indonesia. This study aims to: (1) identify the dominant types of hybrid contracts used in Islamic banking product innovations in Indonesia; (2) examine their implementation patterns in Islamic banking products; and (3) analyze the resulting Sharia compliance challenges. Using a Systematic Literature Review (SLR) approach based on the PRISMA protocol, this study selected 21 articles from 564 identified articles published between 2019 and 2024. The findings identified seven primary hybrid contract models dominating Islamic banking in Indonesia: Murābaḥah bil Wakālah, Ijārah Muntahiyah Bittamlīk (IMBT), Musyārakah Mutanāqişah (MMQ), Kafālah bil Ujrah, Wakālah bil Ujrah, Hawalah bil Ujrah, and the Rahn Qarḍ Ijārah combination. Products utilizing these models include property financing (KPR), gold pawnbroking, Islamic credit cards, multi-service financing, letters of credit, and Islamic demand deposits. Although hybrid contracts meet the needs of a dynamic market, several challenges persist, including the complexity of combining contracts, the potential for hidden riba conflicts, weaknesses in accounting records, and low public financial literacy. This study contributes a comprehensive and systematic mapping of hybrid contract types, implementation patterns, and legal implications across all major Islamic banking product categories in Indonesia an analysis not previously available in the existing literature. The findings may provide practical guidance for regulators and Islamic banking institutions in designing innovative financial products while maintaining Sharia compliance.
E-MONEY PERSPEKTIF MAQASHID SYARIAH FII AL-MUAMALAH Sajida Sanata Islam; Iffatin Nur
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 6 No. 2 (2021)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v6i2.8608

Abstract

E-money merupakan  modernisasi metode pembayaran non tunai berbasis teknologi yang saat ini lazim digunakan oleh masyarakat. Perkembsngsn  metode pembayaran berbaasi e-money ini tentunya harus sejalan dengan prinsip-prinsip agama. Penelitian ini bertujuan untuk mengetahui apakah dengan adanya e-money ini sejalan dengan kosep maqashid syariah fi al-muamalah. Jenis penelitian yang digunakan adalah penelitian hukum normatif dengan pendekatan kualitatif, teknik pengumpulan bahan hukum yang digunakan ialah studi dokumen atau sudi pustaka dengan menggunakan metode deskriptif kualitatif. Hasil penelitian menunjukan jika hukum bertransaksi dengan e-money adalah mubah atas dasar kaidah “Al ashlu fil mua'malati al ibahah hatta yadullu ad-daliilu ala tahrimiha”, namun kemubahan ini hanya terbatas pada e-money dengan prinsip syariah yang berpedoman pada Fatwa Dewan Syariah Nasional. Adapun e-money kovensional dianggap tidak memenuhi prinsip syariah sebaiknya kita menghindari penggunaannya karena ditakutkan adanya unsur riba, gharar, dan maitsir yang dapat merugikan pihak-pihak dalam e-money tersebut.Kata Kunci: E-Money, Maqashid Syariah Fi Al-Muamalah, Maslahah.
Co-Authors A. Muhdhor Ali A. Zaky Fuad Abdul Aziz Abdul Hakam Sholahuddin Agus Machfud Fauzi Ahmad Muhtadi Anshor Ahmad Ridwan Ahyak Ahyak Akhmad Rizqon Khamami Ali Abdul Wakhid Ali, A. Muhdhor Anak Agung Gede Sugianthara Anshor, Ahmad Muhatdi Anusantari, Inama Ma Asmawi Mahfudz Asmik Nasikah Eufrasia Kartika Hanindraputri Fithriy, Haniefa Nuruddienil Fuad, A. Zaky Galuh Widitya Qomaro Hiba Fajarwati Hidayat, Fatkul Holik, Abd. Ilmas, Divia Nur Alan Nur Indri Hadisiswati, Indri Jidan Ahmad Fadillah Jusuf Satriani Khamami, Achmad Rizkon Lailita Fitriani Lestari Handayani Lilis Hidayati Yuli Astutik Luthfa Surya Anditya M. Ngizzul Muttaqien M. Ngizzul Muttaqin Mansur, ubaidillah Mashuri Mashuri Mashuri Mashuri Minahus Saniyyah Moch. Nurcholis Moh. Huda Mohamad Badrus Mohammad Reevany Bustami Muflihatul Bariroh Muh Fathoni Hasyim Muhammad Diyaulhaq Rais Muhammad Ibtihajuddin Muhammad Ngizzul Muttaqin Muhammad Ngizzul Muttaqin Munardji Munarji Munarji Muttaqin, M. Ngizzul Nahdhiyanto, Ahmadi Abdul Shomad Faiz Nasrulloh Nasrulloh Nicken Nawang Sari Novi Fitia Maliha Nur Ilmas, Divia Nur Alan Putri, Allysa Novita Reni Dwi Puspitasari Rifa'atul Mahmudah Rohmatulloh Rohmatulloh Sajida Sanata Islam Siti Marpuah Siti Nur Fitriana Siti Nurjanah Siti Nurjanah Syahrul Adam Syamsu Ni'am Teguh Teguh Teguh, Teguh Ubaidillah Ubaidillah Umi Nurul Laelatul’zah Zainur Rofik