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Fathudin Fathudin
Institut Agama Islam An-Nawawi Purworejo
Humanities Social Sciences

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Prinsip Etika Bisnis Islam Dalam Fatwa Dsn-Mui Tentang Hadiah Dalam Penghimpunan Dana Lembaga Keuangan Syariah Heni Triwahyuni; Muhajir Muhajir; Fathudin Fathudin
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 1: Desember 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i1.5143

Abstract

This research looks at the application of Islamic business ethics principles in the DSN-MUI fatwa related to gifts in the fundraising activities of Islamic financial institutions, aiming to maintain integrity and compliance with Sharia law. Using a qualitative method with literature review and descriptive-analytic approach, this research analyzes how the principles of Unity (Tawhid), Equilibrium (Balance), Free Will, and Responsibility are applied in the fatwa. The findings reveal that the DSN-MUI fatwa integrates the values of justice, transparency, and social responsibility in the regulation of gift-giving, ensuring practices that comply with Sharia while supporting the stability and sustainability of Islamic financial institutions. This study offers insightful information for the creation of ethical policies in Islamic finance and serves as a reference for academics and practitioners in addressing moral challenges in business.
Fatwa DSN-MUI Tentang Pedoman Penjaminan Simpanan Nasabah Bank Syariah Perpsektif Sadd Adż-Dżarī’Ah Muh Mahmudi; Fathudin Fathudin; Septian Viktor Riyanto
J-CEKI : Jurnal Cendekia Ilmiah Vol. 3 No. 6: Oktober 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v3i6.5158

Abstract

This study discusses the deposit insurance of Islamic bank customers using the sadd dzari’ah approach in the DSN-MUI fatwa. The use of sadd dzari’ah aims to prevent losses and uncertainty in Islamic banking practices. This research employs a library research method with a philosophical-normative approach, examining related literature and the implementation of the fatwa. DSN-MUI Fatwa No.118/DSN-MUI/II/2018 establishes deposit insurance regulations based on the principle of kafalah, where the Indonesia Deposit Insurance Corporation (LPS) acts as the guarantor and the customers as the insured parties. The implementation of sadd dzari’ah is evident in LPS’s authority to reject claims that do not meet the criteria, adjust premiums based on risk, separate the management of Islamic and conventional funds, and establish transparency and accountability provisions. The study finds that DSN-MUI Fatwa No.118/DSN-MUI/II/2018 implements the sadd dzari’ah principle to prevent losses and maintain the integrity of Islamic banking. LPS can reject claims that do not meet sharia criteria, adjust premiums based on risk, and separate the management of Islamic bank funds. Investments in sharia-compliant financial instruments and claim arrangements consider customer obligations to ensure fairness. These provisions ensure financial stability and protect customers in accordance with sharia principles.
Maslahah Mursalah Dalam Fatwa DSN-MUI Tentang Akad Wasathah (Keperantaraan) Dalam Bisnis Properti Ahmad Saiful Hadi; Muhajir Muhajir; Fathudin Fathudin
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 2: Februari 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i2.5159

Abstract

This study explores the application of Maslahah Mursalah in the DSN-MUI fatwa concerning akad wasathah (intermediation) in business transactions. Maslahah Mursalah, as a principle in Islamic law, functions to regulate matters not explicitly covered by textual sources with the aim of achieving public benefit and preventing harm. This study's main emphasis is on the philosophical aspects of constructing the Maslahah Mursalah method in the DSN-MUI fatwa and its implications for business practices. The akad wasathah serves as an intermediary in business transactions, ensuring fair and beneficial agreements in accordance with Sharia principles. This study employs a descriptive qualitative approach to analyze the fatwa text and related literature, seeking to offer comprehensive insights about the application of Maslahah Mursalah within the framework of contemporary business law. The research findings are expected to offer significant contributions to the understanding of Sharia principles in business intermediation practices and provide recommendations for further development in fiqh muamalah.
Co-Authors Ahmad Saiful Hadi Heni Triwahyuni Muh Mahmudi Muhajir Muhajir Muhajir Septian Viktor Riyanto