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PENGELOLAAN DANA PENSIUN SYARIAH MENGGUNAKAN AKAD MURABAHAH DI BANK SYARIAH MANDIRI Khadijatul Musanna
Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Vol 9, No 1 (2023)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/almaqasid.v9i1.7859

The goal of this study is to examine the mechanism of the murabaha contract as it is enforced in BSM and its applicability in the National Sharia Fatwa Council (DSN) of the Indonesian Ulema Council (MUI) No: 04/DSN - MUI/IV/2000 about General Provisions on Murabahah Contracts. The study technique employed is descriptive qualitative, with data gathering methods based on primary data acquired from Fatwa BSM and DSN-MUI official websites, as well as secondary data sourced from related articles and journals. The results of the research are that the mechanism for managing pension funds for murabahah contracts is very flexible, starting with the customer's will and BSM's approval, then BSM takes over from TASPEN and then the funds are disbursed. and the mechanism for changing the pension fund agreement has met the standardization of the DSN-MUI Fatwa Number 4 of 2000.

ANALISIS PENERAPAN AKAD WADIAH DALAM PRODUK TABUNGAN PADA BANK SYARIAH INDONESIA Fahmi Makraja; Khadijatul Musanna
Indonesian Journal of Islamic and Social Science Vol 1 No 2 (2023): Indonesian Journal of Islamic and Social Science
Publisher : LPPM IAI Almuslim Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/qzs4wq48

Savings products at BSI use a wadiah yad dhamanah agreement, namely the use of customer savings funds by the bank without sharing profits with the customer, but the customer is given a bonus from time to time by the bank according to the management's interruptions. Wadiah yad amanah almost does not exist in Indonesian sharia banks. In muamalah, both in trading and in Islamic banking, Islamic banking has also regulated that it must not harm other parties, must be transparent and there must be no element of usury. This research uses qualitative research. It is hoped that this research will be able to provide a detailed description of the theory regarding the comprehensive systematic application of wadiah contracts regarding matters relating to bank business activities with sharia principles, especially in raising funds, namely wadiah. The results of this research show that the implementation of the wadiah contract using wadiah yad dhamanah in Indonesian sharia banks seems forced in order to attract as many customers as possible, where the majority of the Indonesian population is Muslim, as well as in order to gain the trust of its customers.

Penemuan Hukum Islam Sui Generis Kum Empiris; Pendekatan Sosiologis Dan Antropologis khadijatul musanna; Deva Nabilah; Fahmi Makraja; Ridha Aulia
Jurnal Landraad Vol. 4 No. 1 (2025): Edisi Maret 2025
Publisher : Institut Syekh Abdul Halim Hasan Binjai

Show Abstract | Download Original | Original Source | Check in Google Scholar

Penulis melakukan penelitian penemuan ini bertujuan untuk membedah tentang tentang Hukum Islam Sui Generis Kum Empiris terhadap Pendekatan yang dilakukan secara Sosiologis Dan Antropologis. sebagaimana dapat dipahami bahwa di era sekarang banyak sekali persoalan atau problematika terkait sebuah kegiatan dalam hukum Islam yang merupakan isu-isu kontemporer hukum Islam, dengan demikian isu-isu kontemporer ini perlu adanya suatu metode dalam penemuan Hukum Islam seperti halnya Hukum Islam Sui Generis dengan pendekatan sosiologi dan antropologis. penelitian ini menggunakan pendekatan kepustakaan dimana data diambil berdasarkan literatur, adapun data primer diperoleh dari sumber bacaanartinya buku yang berkaitan dan relevan dengan judul penelitian penulis seperti halnya buku Prof Syamsul Anwar terkait penemuan Hukum Syariah. adapun data skunder diperoleh dari artikel, website tertentu dan jurnal. dengen demikian diperoleh hasil bahwa Pendekatan sosiologis melihat bagaimana hukum dan faktor sosial lainnya berhubungan satu sama lain secara analitis dan empiris. Sedangkan pendekatan antropologi adalah studi tentang bagaimana hukum membentuk kehidupan manusia. Ini dimulai dengan sistem berpikir manusia, yang menghasilkan nilai-nilai dan kebudayaan, yang pada gilirannya membentuk hukum dalam masyarakat.

ANALISIS PENERAPAN AKAD WADIAH DALAM PRODUK TABUNGAN PADA BANK SYARIAH INDONESIA Fahmi Makraja; Khadijatul Musanna
Indonesian Journal of Islamic and Social Science Vol 1 No 2 (2023): Indonesian Journal of Islamic and Social Science
Publisher : LPPM IAI Almuslim Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/qzs4wq48

Savings products at BSI use a wadiah yad dhamanah agreement, namely the use of customer savings funds by the bank without sharing profits with the customer, but the customer is given a bonus from time to time by the bank according to the management's interruptions. Wadiah yad amanah almost does not exist in Indonesian sharia banks. In muamalah, both in trading and in Islamic banking, Islamic banking has also regulated that it must not harm other parties, must be transparent and there must be no element of usury. This research uses qualitative research. It is hoped that this research will be able to provide a detailed description of the theory regarding the comprehensive systematic application of wadiah contracts regarding matters relating to bank business activities with sharia principles, especially in raising funds, namely wadiah. The results of this research show that the implementation of the wadiah contract using wadiah yad dhamanah in Indonesian sharia banks seems forced in order to attract as many customers as possible, where the majority of the Indonesian population is Muslim, as well as in order to gain the trust of its customers.

ANALISIS TERHADAP AKAD MUSYARAKAH MUTANAQISAH DAN PROBLEMATIKANYA DALAM PRAKTIK PERBANKAN SYARIAH Makraja, Fahmi; Elya Fitriyani; Nisa Afifah; Khadijatul Musanna
Jurnal Syariah dan Ekonomi Islam Vol 3 No 2 (2025): Jurnal Syariah dan Ekonomi Islam
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/nfd6x974

The Musyarakah Mutanaqisah (MMQ) contract, as one of the increasingly popular financing products in Islamic banking, offers a unique alternative to asset ownership that is in line with sharia principles. This study aims to comprehensively analyze the MMQ contract, highlight its Sharia foundations, and identify and explore the issues that arise in its implementation in the field. The research methods used include literature review and qualitative analysis of fatwas issued by the National Sharia Council of the Indonesian Ulema Council (DSN-MUI), Islamic banking regulations, and practices observed in several Islamic banks. The analysis shows that, in theory, MMQ is built on three basic contracts that do not conflict with each other: the syirkah or musyarakah contract for partnership, the ijarah contract for lease, and the sale and purchase contract for transfer of ownership. The combination of the three forms an innovative financing structure. However, in practice, several crucial issues arise. One of these is the issue of al-Ijarah al-Mawsuqah bil-Bay', or lease followed by a promise of sale, which some contemporary scholars still debate its validity. Nevertheless, the DSN-MUI has issued a fatwa permitting this scheme under certain conditions and terms

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