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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah
Mohamad Andi Syamsul Maula
Universitas Darussalam Gontor
Economics, Econometrics & Finance Social Sciences

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Akad Qardh Pada Perbankan Syariah Di Indonesia Perspektif Maqashid Sayriah Dr. Jasser Auda Mohammad Ghozali; Mohamad Andi Syamsul Maula; Muhamad Muhamad
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 4 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (361.233 KB) | DOI: 10.30651/jms.v7i4.12652

Abstract

Qardh merupakan akad pembiayaan pada lembaga keuangan Syariah yang bersifat sosial dengan pengembalian pinjaman tanpa adanya imbalan atau tambahan. Maqashid Syariah adalah tujuan untuk menegakkan Syariah yang mengarah pada kemaslahatan. Penerapan akad qardh harus didasari dengan maqashid Syariah guna mencapai kemaslahatan bersama. Hubungan antara akad qardh dan maqashid Syariah akan menjadi fokus penelitian ini. Penelitian ini merupakan penelitian kualitatif dengan pendekatan kepustakaan (library research) kemudian menganalisa data melalui pendekatan maqashid syariah Jasser Auda. Hasil penelitian ini meghasilakan bahwa akad qardh pada perbankan Syariah perspektif Maqashid Syariah Jasser Auda adalah menjaga perekonomian dan kesejahteraan sosial masyarakat yang dimana bila hal ini tidak cepat dilakukan maka akan mengakibatkan berbagai macam ancaman yaitu kemiskinan, kebodohan dan ketimpangan sosial di masayrakat.
Analisis Fatwa No.17/DSN-MUI/IX/2000 Terhadap Penerapan Denda Keterlambatan Pembayaran Angsuran Dalam Akad Pembiayaan Murabahah Di Perbankan Syariah Mohamad Andi Syamsul Maula
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.7846

Abstract

The development of Islamic banks in Indonesia is quite significant, this is indicated by the increasing number of Islamic banking institutions that have been established. From a number of sharia bank products, the most widely used product is murabaha financing. The purpose of this study was to find out the mechanism for applying fines for late installment payments in Islamic banks by referring to fatwa No. 17/DSN-MUI/IX/2000 Concerning Sanctions for able customers who delay financing are considered appropriate. This paper uses a descriptive analytical method with secondary data sources in the form of books, articles and documents from the internet, either from the OJK website or other valid sources. The results of this study state that this has an impact on Islamic banks, namely on increasing vigilance in managing murabahah financing, and for customers the application of fines for murabahah financing has an educative and preventive function.
Co-Authors Mohammad Ghozali Muhamad Muhamad