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All Journal Jurnal Hukum Ekonomi Syariah Jurnal Pelita Raya (JPR)
Aufa Islami
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analisis Jaminan Dalam Akad-Akad Bagi Hasil (Akad Mudharabah dan Akad Musyarakah) Di Perbankan Syariah Aufa Islami
JURNAL HUKUM EKONOMI SYARIAH Volume 4, No. 1, April 2021
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jhes.v4i1.9903

Abstract

This research is entitled Analysis of Guarantees in Profit Sharing Contracts (Mudharabah and Musyarakah contracts) in Islamic banking. This research was conducted with the aim of analyzing the guarantees contained in profit sharing contracts including the Mudharabah contract and the Musyarakah contract in Islamic Banking. This article research uses a normative approach. The normative approach is used for research from the perspective of fiqh muamalat regarding the position of the guarantee in the profit sharing contract. From this research it can be concluded that basically there is no guarantee for profit sharing contracts, such as mudarabah and musyarakah, except as a guarantee of the possibility of moral hazard being carried out by the contract partners. In practice, Islamic financial institutions, especially Islamic banking, always withdraw material guarantees for the profit sharing contracts they cover with their partners (customers). However, it must be remembered that the withdrawal of the material guarantee must be limited to cases where there is a loss due to unlawful acts, negligence or default by the customer. In the event that the loss occurs beyond the customer's fault, negligence or breach of contract, the guarantee may not be executed.
Criticism of the Neoclassical Approach in Islamic Economic Policy in Indonesia Maharatna Shifa Nurizka; Aufa Islami; Moh. Rofi’ieh; Haerunnisa; Muhammad Lathif Dzulfikar
Jurnal Pelita Raya Vol. 1 No. 1 (2025): Jurnal Pelita Raya (JPR)
Publisher : Mahkota Science Publishers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65586/jpr.v1i1.9

Abstract

This study aims to open up space for reflection and debate on the need for a paradigm shift and new methods in developing Islamic economics in Indonesia. It uses a critical qualitative approach based on political economy theory and Critical Discourse Analysis (CDA) to examine the influence of the neoclassical paradigm on Islamic economic policy in Indonesia. The results indicate that critical reflection on the dominance of the neoclassical approach in Islamic economic policy in Indonesia reveals that Islamic economics remains trapped in epistemological and methodological subordination to the global capitalist system, often failing to realise the ideals of social justice, wealth distribution, and empowerment of vulnerable groups as mandated by the maqaṣid al-shari'ah. This phenomenon occurs because the success of Islamic economics is more often measured through neoclassical indicators that emphasise asset growth, efficiency, and market competitiveness, rather than substantive transformation of inequality and poverty structures. Nevertheless, this criticism should be viewed as a constructive call to rebuild the paradigm, decolonise Islamic economic knowledge, and reaffirm the agenda of social justice and empowerment of the ummah in every policy, innovation, and sharia institution.
Co-Authors Haerunnisa Maharatna Shifa Nurizka Moh. Rofi’ieh Muhammad Lathif Dzulfikar