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All Journal J-CEKI Jurnal Ekonomi, Manajemen, Akuntansi
Achmad Nursobah
Institut Agama Islam An-Nawawi Purworejo
Humanities Economics, Econometrics & Finance Social Sciences

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Ḥȋlah Dalam Fatwa DSN-MUI Tentang Dana TBDSP Bagi Lembaga Keuangan Syariah Hasim Hasim; Muhajir Muhajir; Achmad Nursobah
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.v3i6.5116

Abstract

The use of new transactions in Islamic finance has faced criticism, particularly regarding the implementing of ḥȋlah (legal stratagem) which is seen as adopting conventional financial instruments that go against religious morals. This research examines the application of ḥȋlah in the Indonesian Ulama Council's (DSN-MUI) fatwa, or religious ruling, on funds that are not considered to be halal (funds that cannot be recognized as income). A way to divide up accounts and direct non-halal money toward social causes is offered by the DSN-MUI. Using a normative-philosophical perspective, this study reveals how ḥċlah is applied in the fatwa. The results show indications of the application of ḥȋlah, as seen from: (1) the recognition of non-halal funds, (2) the obligation to have a special account to separate halal and non-halal funds, and (3) the distribution of non-halal funds for socio-religious activities as an effort to avoid the stagnation of wealth. Overall, this fatwa tends to use ḥȋlah by referring to the practice of the Prophet Muhammad in handling assets with unclear legal status.
Nalar Hikmah Dalam Fatwa Dsn-Mui Tentang Ganti Rugi (Ta’widh) Ririh Ambarningsih; Achmad Nursobah; Anwar Ma’rufi
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.v4i1.5147

Abstract

In the context of Indonesia's economy and business, the practice of compensation (ta'widh) by Islamic financial institutions faces various issues and challenges. There are differing understandings and interpretations regarding the application of compensation in accordance with Sharia principles, with some views suggesting that the calculation methods and amounts of compensation are not yet fully compliant. This has led to dissatisfaction and controversy among customers. The practice of compensation is often misconstrued as a form of penalty, contradicting Sharia principles that prohibit usury. The goal of this study is to examine how Indonesian Islamic financial institutions have adopted the DSN-MUI fatwa on compensation, or ta'widh. The purpose of this qualitative study is to investigate the meanings and guiding principles of the fatwa provisions using a library research method and hikmah-based reasoning approach. Primary data is sourced from DSN-MUI fatwa documents, while secondary data includes academic literature. The analysis results indicate that the DSN-MUI fatwa effectively integrates the principles of hikmah, promoting justice, benefit, and adherence to Sharia. This fatwa enhances the implementation of ta'widh, ensuring consistency with core Sharia values, and contributes positively to the Islamic financial system. It is anticipated that the research findings would be used as a guide for Islamic financial institutions, regulators, and the general public in accurately implementing the fatwa in accordance with Sharia principles.
Co-Authors Anwar Ma’rufi Hasim Hasim Maolana Mujib Muhajir Muhajir Muhajir Muhajir Muhajir Muhajir Muhajir Ririh Ambarningsih Saifudin Saifudin Saifudin