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Comparison of Sharia Business Law Opinions on Fine Sanctions For Late Payment of Installments in Sharia Financial Institutions Hidayatullah, Muhammad Syarif; Ragil Rahmatullah Nurhakim
Bilancia: Jurnal Studi Ilmu Syariah dan Hukum Vol. 17 No. 2 (2023): BILANCIA
Publisher : Fakultas Syariah Institut Agama Islam Negeri Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/blc.v17i2.2067

Abstract

Islamic Financial Institutions are financial institutions whose operations are based on Sharia principles or Islamic legal rules in the financial transactions that are carried out. Closely to conventional financial institutions, fines for late payment of installments by customers are also applied by Islamic financial institutions whose legality refers to the DSN-MUI fatwa on sanctions against capable customers who delay payments. The issue of fines eventually creates problems and debates on its legality and relevance to sharia principles. This research aimed to compare sharia business law opinions on issues of fines for late installment payments at Islamic financial institutions. The research method employed was normative legal research with a comparative approach. The research results revealed the difference of opinions on the existence and legal status of these fines in Islamic financial institutions. Leastwise, there are two legal opinions: (1) it is permissible on condition that fines are only given to capable customers who delay payments (under specific criteria, not absolute permissibility) and that fines must be designated as social funds. Meanwhile, (2) disapproving opinion to assume that this fine is similar to usury; hence, it is forbidden.
ALUR LEGISLASI DAN TRANSFORMASI HUKUM PERBANKAN SYARIAH DI INDONESIA Komarudin, Parman; Hidayatullah, Muhammad Syarif
JURNAL ILMU SYARIAH Vol 9 No 1 (2021): JUNI
Publisher : IBN KHALDUN BOGOR

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/mizan.v9i1.20293

Abstract

Tulisan ini bertujuan untuk mengkaji alur legislasi dan transformasi hukum perbankan syariah dalam sistem hukum nasional atau perundang-undangan di Indonesia. Metode penelitian yang digunakan adalah penelitian hukum normatif dengan pendekatanperundang-undangan dan pendekatan historis. Pengkajian yang dilakukan menunjukkan bahwa alur legislasi dan transformasi hukum perbankan syariah di Indonesia dapat dibagi menjadi beberapa fase, yakni fase bebas nilai Islam ketika berlaku Undang-undang No. 14 Tahun 1967 tentang Pokok-pokok Perbankan, dilanjutkan fase pengenalan sistem bagi hasil dengan dikeluarkannya Undang-undang No. 7 Tahun 1992 tentang Perbankan, kemudian fase lanjutan dengan bentuk penegasan keberadaan Bank Syariah melalui Undang-undang No. 10 Tahun 1998 tentang Perubahan atas UU No. 7 Tahun 1992 Tentang Perbankan, setelah itu sampai pada fase penyempurnaan atau pemurnian dengan hadirnya Undangundang No. 21 Tahun 2008 tentang Perbankan Syariah.
Co-Authors Achmad, Rendy Alfiannor Afif, Ahmad Musfida Al-Idrus, Syarifah Khusnul Khotimah Aldo, Aldo Altsaury, Roychan Abdul Aziz Amin, Ainol An-Nafi, Anastasya Rosyida Anjani, Riyan Anwar, Mukhlis Kaspul April Laksana Ardiansyah, Fikri Arifin, Akhmad Nabil Ariono, Pradana Aditya Arman, Januar As'ad, Ali Asnawi Asnawi Assamii, M. Reizo Atika Atika Atiqah, Adinda Nur AULIA, SITI Diah Ayu Pratiwi Dinyati, Ayu Dwi Nur Rachmah Ekaputri, Faridya Khairina Eli Apud Saepudin Ermina Istiqomah, Ermina Eunike, Agnes Fadilah, Shifa Fadillah, Rahmat Fathur Rohman, Fathur Fathurrahman Azhari Febrianti, Diana Febrianti, Resha Firdha Yuserina Firjatullah, Adib Pratama Firman Maulana, Firman Firman Wahyudi Firman Wahyudi, Firman Hadi, Riswan Hardiansyah Hardiansyah Hardianti, Dini Hemy Heryati Anward Hidayati, Nessie Husna Karimah Illahiya, Adrikni Islami, Alfin Jazuli, Muhammad Sulaiman Joko Sulianto . . Kandama, Herry Khairina, Nadia Leonita, Ananda Astriana Lestari, Putri Dewi Lia, Lapina Lutfi, Jamal Luthfi, Alghifari Athilla Mahmud Yusuf Mahmud Yusuf Malihah, Lola Marina Dwi Mayangsari Mashudi , Mashudi Mashudi Maula, Ritli Rizqiana Mira Azizah Muhammad Fahmi Nurani Muhammad Muhammad Muhammad, Aliyu Dahiru Mukminin , Amirul Najimah, Muzida Nasruddin Nasruddin Nassarrudin, Razie Bin Naufal, Yamani Neka Erlyani Nugraha, Ahmad Helmi Nuratikah, Rahmadilla Nursani, Shafa Aulia Nuzula, Muhammad Firdaus Padly, Asse Pangestu, Sukma Abimayu Parman Komarudin Pauzi, Gurum Ahmad Perwitasari, Raras Ayu Putri Ponglabba, Henry Ma’dika Rabiatul Adawiyah Ragil Rahmatullah Nurhakim Rahmi Fauzia, Rahmi Renaldy, Muhammad Rizki Amalia Rooswita Santia Dewi, Rooswita Santia Rosanti , Amelia Saipullah, Saipullah Salwa, Dinda Alifa Santi, Hanida Aulia Saragih, Nurul Miftahul Jannah Sari, Krismon Endah Saturrosidah, Anis Septyandani, Ema Shalehah, Anisatus Sri Wahyu Suciyati Sukma Noor Akbar Thaibah, Hayatun Tri Hidayati Ulfah, Khannys Dahliana Wahyiah, Ita Rosita Wardati, Winda Wijayanti, Maya Yohanes, Yunus Yulfitasari, Raysa Yulianti, Neng Cahya Zaini, Fakhruz Zatalina, Nabela Zwagery, Rika Vira