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All Journal Al-Hukmi : Jurnal Hukum Ekonomi Syariah dan Keluarga Islam Istidlal: Jurnal Ekonomi dan Hukum Islam
R. Fakhrurrazi
Universitas Ibrahimy
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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IMPLEMENTASI TRANSAKSI PEMBIAYAAN GRIYA DALAM PERSPEKTIF FIKIH MU’AMALAH DI BANK SYARIAH INDONESIA KANTOR CABANG PEMBANTU SITUBONDO Ach. Afin; R. Fakhrurrazi
Al-Hukmi : Jurnal Hukum Ekonomi Syariah dan Keluarga Islam Vol. 3 No. 2 (2022): Al-Hukmi : Jurnal Hukum Ekonomi Syari’ah dan Keluarga Islam
Publisher : Fakultas Syariah dan Ekonomi Islam, Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1051.69 KB) | DOI: 10.35316/alhukmi.v3i2.2321

Abstract

At this time there are many emerging Islamic banking with the many developments of sharia. The birth of Islamic financial institutions in Indonesia brings an interesting competitive atmosphere in the banking business discourse. In addition to the presence of conventional banks, our society is now presented with alternative options to invest their funds, of course through the presence of Islamic banking services. Islamic banking services offer products with a different scheme from conventional banks. In accordance with the title "sharia" it bears, Islamic banking claims the principle of justice in accordance with Islamic teachings as a differentiator of its identity from conventional banks. Including one of the Islamic banks in Situbondo, namely Bank Mandiri Syariah which is currently changing its name to Bank Syariah Indonesia Of all the products available at BSI, there is one financing product that is currently in great demand by the public, especially at the Bank Shariah Indonesian Cabang Situbondo Branch, namely the Griya financing product. Griya financing is short, medium, or long term financing to finance the purchase of residential (consumer) houses, both new and used, in the developer environment with a murabahah system. In relation to the murabahah concept in Fiqh Mu'amalah, it is necessary to combine its conformity with the practice of home financing transactions at BSI KCP Situbondo, where in practice the margin provisions obtained by BSI are not transparent, when purchasing property uses the practice of debt. , the delivery of money is directly given to the customer, not the BSI party who buys the needs of the customer and many other things that the author does not know. According to the author, this is not appropriate if the contract used is murabahah.
Rujuk dalam Kompilasi Hukum Islam (KHI) Perspektif Maslahah Mursalah R. Fakhrurrazi; Fahmi Basyar
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol. 9 No. 1 (2025)
Publisher : Program Pascasarjana Universitas Ibrahimy

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Abstract

Penelitian ini memiliki dua tujuan utama, yaitu untuk memahami pencatatan rujuk yang terdapat dalam Kompilasi Hukum Islam (KHI) serta untuk mengeksplorasi analisis yang diberikan oleh KHI terkait rujuk dari sudut pandang maslahah mursalah. Tipe penelitian ini adalah penelitian pustaka dengan pendekatan normatif-yuridis. Berdasarkan temuan analisis, dapat diurai bahwa: Pencatatan Rujuk, dalam Kompilasi Hukum Islam telah mencantumkan ketentuan sesuai peraturan Menteri Agama Republik Indonesia Nomor 3 Tahun 1975, bahwa kewajiban pegawai pencatat nikah dan prosedur yang harus diikuti oleh Pengadilan Agama dalam melaksanakan peraturan yang ada dalam bidang perkawinan bagi penganut agama Islam. Rujuk yang tercantum dalam Kompilasi Hukum Islam termasuk dalam kategori maslahah mursalah, karena rujuk diperlukan dalam kehidupan masyarakat agar pernikahan dapat dicatat kembali di kantor pencatat nikah. Hal ini, dilihat dari tingkat maslahah-nya, termasuk maslahah hajjiyah, maslahah al-tsabitah, dan maslahah al-ammah. Sedangkan rujuk dalam KHI sudah selaras dengan konsep maslahah mursalah, yaitu menghindari bahaya dan mendatangkan kebaikan, yaitu mencegah perceraian dan memulihkan pernikahan kembali.
Co-Authors Ach. Afin Fahmi Basyar