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All Journal EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Rayah Al Islam : Jurnal Ilmu Islam Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah Journal Islamic Economics Ad Diwan Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JAMMIAH) Sinomika Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Jurnal Tahsinia Juni-Jurnal Pelita Nusa Eks-Accuracy : Jurnal Ilmiah Akuntansi dan Keuangan JPM El-Mujtama: Jurnal Pengabdian Masyarakat
Apriani, Triana
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Journal : Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah

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Kajian Filsafat Hukum Ekonomi Islam terhadap Akad Wakalah: Disharmoni antara al-Muwakkil dan al-Wakil dalam Lembaga Keuangan Syariah Munandar, Aris; Saefuloh, Irfan; Ardestya Linanjung, Yolanda; Hariyanti, Hariyanti; Apriani, Triana
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 10 No 1 (2025): Al-Muamalat: Jurnal Hukum Dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v10i1.10981

Abstract

This study aims to deeply analyze the concept and ideal principles of the wakalah contract in Islamic financial institutions. In essence, the wakalah contract is built upon the principles of trust, transparency, and responsibility, where the agent (wakil) acts in accordance with the authority and intent of the principal (muwakkil). However, in practice within Islamic financial institutions, deviations often occur in the implementation of wakalah, such as conflicts of interest and decision-making that does not align with the interests of the clients. This article is a qualitative study employing a normative approach and literature review, which comprehensively examines the legal foundations, sharia principles, and empirical practices of the wakalah contract. The findings indicate that while wakalah has a strong conceptual foundation in Islamic jurisprudence (fiqh muamalah), its implementation in Islamic financial institutions has not yet fully reflected the ideal values of sharia. Strengthening regulatory, ethical, and technical aspects is necessary to ensure that wakalah transactions are conducted fairly and transparently.
Co-Authors Abdallah Al-Shreifeen, Iyad Aep Saefuddin Aji Nuryakin, Rahmat Ardestya Linanjung, Yolanda Aris Munandar Astuty, Fuji Athoillah, M. Anton Erfiyana, Evi Fadhlya Hidayatunnisa, Nurul Gunariah, Frilla Hariyanti Hariyanti Jubaedah, Dedah Mamun, Saepul Maulinawaty, Tresna Ma’mun, Saepul Nazmul Husain, S. M. Nugraha, Mohamad Sigit Adi Nunung Kurniasih, Nunung Nuraida Nurbaeti, Ayi Nuryakin, Rahmat Aji Popon Rabia Adawia Rahayu, Wati Rahmah, Astri Nurul Saefuloh, Irfan Setiadi Setiadi Sigit Adi Nugraha, Mohammad Sofian Al Hakim, Sofian Solihin, Asep Solihin, Dadin Suhada, Wiwin Surya Ningsih Tri Devalenqy, Rexy Widyastusi, Indria Zahra Zahra