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All Journal IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah
Syamsurijal
STAI Al-Mas'udiyah Sukabumi
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Pemetaan Model Penerapan Murabahah Di Perbankan Syariah: Analisis Terhadap Konsistensi Fiqih Muamalah Dan Implikasi Akad Wakalah Syamsurijal; fitri sariningsih
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 3 No. 1 (2024): Volume 3 Nomor 1 Tahun 2024
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v3i1.42

Abstract

This study investigates the model of implementing murabahah contracts in Islamic financial institutions, focusing on consistency with the principles of muamalah fiqh and the implications of wakalah contracts. The research method used is descriptive and qualitative analysis of various legal documents, sharia literature, and field practices in Islamic banking. The results of this research show that there are three models of murabahah application in the Islamic banking industry. The first model followed muamalah fiqh consistently. The second model is almost similar to the first model, but there are differences related to direct ownership of goods from suppliers to customers and payments made directly by banks to sellers. While the third model involves customers in a Murabahah contract with the bank, while customers also make a wakalah contract to buy their own goods. The third model is currently widely discussed because the Murabahah contract is carried out without ownership of goods by the bank, even though ownership itself is a legal condition of murabahah according to DSN-MUI. In this finding, the murabahah contract and the wakalah contract are carried out simultaneously without the goods belonging to the bank first.
Kemiskinan dan Pengangguran di Indonesia; Telaah dan Rekomendasi Kebijakan Perspektif Syariah Agus Rojak Samsudin; Rizal Maulana; Syamsurijal; Premi Anggraeni
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 3 No. 2 (2024): Volume 3 Nomor 2 Tahun 2024
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v3i2.62

Abstract

Kemiskinan dan pengangguran di Indonesia merupakan permasalahan sosial-ekonomi yang saling berkaitan dan masih menjadi tantangan besar. Penelitian ini bertujuan untuk menganalisis situasi tersebut dari perspektif syariah serta mengevaluasi kebijakan yang ada, dengan merumuskan rekomendasi kebijakan berbasis ekonomi Islam. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan analisis deskriptif, memanfaatkan data sekunder dari literatur akademik, laporan pemerintah, dan lembaga internasional. Hasil penelitian menunjukkan bahwa instrumen keuangan syariah seperti zakat, wakaf, dan infaq memiliki potensi besar dalam mendukung penanggulangan kemiskinan dan pengangguran, meskipun implementasinya di Indonesia masih terbatas. Kesimpulan penelitian ini menekankan perlunya integrasi lebih mendalam antara prinsip-prinsip syariah dengan kebijakan publik untuk menciptakan solusi yang lebih efektif dan berkelanjutan.
Pendekatan Filosofis terhadap Norma Murabahah: Kajian Ontologi, Epistemologi, dan Aksiologi Nur Irmandi; Atang Abdul Hakim; Syamsurijal; Agus Darmawan
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 4 No. 1 (2025): Volume 4 Nomor 1 Tahun 2025
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v4i1.73

Abstract

This study examines the norms of murabahah in the Islamic financial system through a philosophical approach that includes ontology, epistemology, and axiology dimensions. A qualitative approach based on literature studies is used to analyze the nature of murabahah transactions, sources of knowledge about its rules, and ethical values contained in murabahah transactions. Ontologically, murabahah is a transaction that embodies the principle of justice in the sharia economy. From an epistemological perspective, knowledge about murabahah comes from the source of Islamic law interpreted by scholars. Its axiology emphasizes the values of honesty and transparency from the testimony carried out. The results of this philosophical study are expected to provide a deeper understanding of the development and application of murabahah in modern sharia economic practices.
Co-Authors Agus Darmawan Agus Rojak Samsudin fitri sariningsih Hakim, Atang Abdul Nur Irmandi Premi Anggraeni Rizal Maulana