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All Journal IJTIHAD Al-Iktisab: Journal of Islamic Economic Law
Nurizal Ismail
Tazkia Islamic University College
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Sharia Credit Card in The View of Maqasid al-Sharia Rusdiana Priatna Wijaya; Nurizal Ismail
AL- IKTISAB Journal of Islamic Economic Law Vol 4, No 1 (2020)
Publisher : Universitas Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1814.671 KB) | DOI: 10.21111/al-iktisab.v4i1.4347

Abstract

Islam is the perfect religious concept, all of life's activities are measured in the purpose of sharia enforcement. Maqashid sharia is a benchmark in determining activity in the determination, whether it is by these objectives or not. Credit card is a form of facility created to facilitate consumers in making transactions. This product is multiplying and changing the paradigm of consumers in making transactions in the digital era. Credit card has many benefits and functions, one of its functions is substituted for cash. Method of this study using literacy, data collection and collection of objects. The finding is that the contemporary scholars agree that in practice sharia credit cards are permissible as long as there are no aspects of gharar, usury, but also contain the maslahah of the users. DSN MUI responded favourably to the credit card with the issuance of the fatwa DSN No. 54/DSN/-MUI/X/2006 concerning KKS (Sharia Credit Card).
FILOSOFI PERBANKAN SYARIAH: ANTARA IDEALISME DAN PRAGMATISME Abdul Rasyid; Nurizal Ismail
Ijtihad Vol. 14 No. 1 (2020)
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (417.795 KB) | DOI: 10.21111/ijtihad.v14i1.4504

Abstract

Islamic banks are the financial institutions that carry out their activities based on sharia principles. Elimination of interest in the Islamic banking system is one of the parts of the element governed by the Shari’ah. As an Islamic business entity, profit is not solely the main objective of Islamic banks but also other values such as honesty, social justice (equity), and fairness (equity) as they are have been established in the Qur’an and Sunnah. Therefore, Islamic banks, besides looking for profits, are also expected to contribute to improving the welfare and economic level of the people. This is the underlying philosophy that distinguishes it from conventional banks. However, in practice, the concept does not look optimally implemented. Islamic banks, as if carried away, focused on seeking profits by ignoring the underlying philosophy. This can be seen from the various products offered, which are dominated by Murabaha products. Does the basic philosophy of Islamic banking have to be maintained like an idealized concept that is doctrines or should it be modified with a more pragmatic approach? This paper tries to analyze the philosophy of Islamic banking in terms of theory and practice in real terms in sharia banking activities that have been carried out so far.
Co-Authors Abdul Rasyid Rusdiana Priatna Wijaya