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PENERAPAN PRINSIP SYARIAH DALAM AKAD PEMBIAYAAN MURABAHAH PADA BANK SYARIAH DI INDONESIA: SUATU KAJIAN KEPUSTAKAAN PERSPEKTIF HUKUM MUAMALAH Andi Muhammad Farham; Mahsyar Mahsyar; Muhammad Satar; Zainal Said; Aris Aris
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol. 11 No. 2 (2026): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah -
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i2.1781

Abstract

Akad murabahah merupakan salah satu instrumen pembiayaan yang paling dominan digunakan dalam praktik perbankan syariah di Indonesia. Meskipun secara normatif akad ini telah diatur melalui fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) dan regulasi Otoritas Jasa Keuangan, implementasinya masih memunculkan sejumlah persoalan, khususnya terkait penerapan prinsip-prinsip syariah secara substantif. Penelitian ini bertujuan untuk menganalisis penerapan prinsip syariah dalam akad pembiayaan murabahah pada bank syariah di Indonesia dari perspektif hukum muamalah. Metode penelitian yang digunakan adalah kajian kepustakaan dengan menelaah buku, fatwa, peraturan perundang-undangan, serta pembatasan pada artikel jurnal ilmiah terbitan 2024–2026 dilakukan untuk memastikan analisis penerapan prinsip syariah dalam akad murabahah mencerminkan perkembangan terbaru. Hasil kajian menunjukkan bahwa praktik murabahah pada bank syariah umumnya telah memenuhi aspek legal-formal akad, seperti kejelasan objek, harga, dan ijab kabul. Namun demikian, penerapan prinsip syariah secara substansial, khususnya prinsip an tarāḍin minkum, keadilan, dan transparansi penetapan margin, masih menghadapi berbagai tantangan. Penetapan margin yang cenderung sepihak dan minim musyawarah berpotensi mengurangi makna kerelaan para pihak dalam akad. Oleh karena itu, penelitian ini menegaskan pentingnya penguatan kepatuhan syariah yang tidak hanya bersifat administratif, tetapi juga berorientasi pada nilai etika dan keadilan dalam hukum muamalah.
The Role of Customary Leaders in Resolving Domestic Disputes (Case Study of the Towani Tolotang Community in Amparita District, Sidenreng Rappang Regency) Nur Syamsuryana Mustari; Rusdaya Basri; Zainal Said; Rahmawati; Sunuwati
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARIAH DAN ILMU HUKUM) Vol. 11 No. 1 (2026): June 2026
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/n52x1298

Abstract

Family is the smallest social unit that plays a a crucial role in maintaining social harmony and welfare. However, domestic conflicts between spouses are inevitable due to differences in character, interests, and socio-economic pressures. In the context of Indonesia’s plural society, dispute resolution is not only conducted through formal legal mechanisms but also through customary practices rooted in local wisdom. This study aims to analyze the role of customary leaders in resolving household disputes within the Towani Tolotang community in Sidenreng Rappang Regency, South Sulawesi. This topic remains relatively underexplored in existing literature, particularly in the context of social transformation and the increasing influence of formal law. This research employs a qualitative approach with a descriptive-analytical method. Data were collected through in-depth interviews, observation, and documentation involving customary leaders, married couples, and community figures. The findings reveal that customary leaders (uwa) play a central role as mediators, resolving domestic conflicts by emphasizing cultural values such as siri’ (honor), pacce (empathy), and lempu’ (honesty). The dispute resolution mechanism is carried out through structured yet flexible customary mediation stages that prioritize deliberation, moral guidance, and reconciliation before reaching a final decision. The study also finds that this mechanism is relatively effective, as most domestic disputes are resolved through customary mediation without leading to divorce. This helps strengthen family harmony and social cohesion within the community. In conclusion, the role of customary leaders remains relevant as a form of living law that preserves family integrity and sustains local cultural values amid modernization. Keywords: Customary Leaders; Towani Tolotang; Household Disputes; Customary Mediation; Living Law