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Analisis Kajian Tafsir Ahkam tentang Kedudukan Akad Muamalah pada Lembaga Keuangan Syariah di Indonesia Fadli Daud Abdullah; Ah. Fathonih; Mohamad Athoillah
At-Tahfidz: Jurnal Ilmu Al-Qur'an dan Tafsir Vol. 3 No. 01 (2021): Desember 2021
Publisher : Program Studi Ilmu Al-Qur'an dan Tafsir

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/at-tahfidz.v3i01.402

Abstract

Penelitian ini menganalisis kajian tafsir ahkam tentang kedudukan akad muamalah pada lembaga keuangan syariah di Indonesia. Sebagaimana Industri keuangan syariah menjadi semakin penting dalam perekonomian global, termasuk di Indonesia, di mana lembaga keuangan syariah memainkan peran utama. Akad muamalah, sebagai dasar hukum transaksi ekonomi syariah, memiliki kedudukan yang penting dalam operasional lembaga keuangan syariah. Penulis menggunakan metode kualitatif dengan anaisis data sekunder dan pendekatan metode analisis maudhu'i dengan mencoba mencari jawaban al-Qur'an dengan mengumpulkan tafsir ayat-ayat al-Qur'an untuk menemukan kedudukan akad tersebut. Hasil dari penelitian ini adalah bahwa pentingnya menyediakan komitmen dan perjanjian dalam transaksi ekonomi, kecuali jika melanggar hukum syariah. Prinsip ini menciptakan landasan etika dan moral bagi bisnis dan transaksi ekonomi, yang mencerminkan integritas dan keadilan. Berdasarkan beberapa ayat Al-Qur'an, akad juga memegang peran penting dalam mengikat individu dalam menjalankan perjanjian dan komitmen mereka, dengan tanggung jawab moral dan spiritual yang kuat. sebagaimana telah dijelaskan dalam tafsir ahkan Quran surat Al-Maidah ayat 1 dan surat Al-Isra ayat 34 dan di pertegas lagi dalam Qur’an surat An-Nissa ayat 29 agar setiap perencanaan transaksi dan pelaksanaannya didasarkan atas niat baik, sehingga segala bentuk penipuan, kecurangan, dan penyelewengan dapat dihindari. Artikel ini memberikan kontribusi bagi praktisi, sejarawan, dan regulator di bidang perbankan syariah di Indonesia, yang memiliki peran penting dalam pertumbuhan dan perkembangan berkelanjutan lembaga keuangan syariah di negara ini. Kata Kunci: Akad Muamalah, Lembaga Keuangan Syariah, dan Tafsir Ahkam
MOSQUE-BASED ISLAMIC FINANCIAL INNOVATION TO IMPROVE THE WELFARE OF VILLAGE COMMUNITIES Akmal Khairi; Fadli Daud Abdullah; Anas Bayan Mubarok
Gunung Djati Conference Series Vol. 56 (2025): Seminar Nasional Ekonomi dan Bisnis Islam
Publisher : UIN Sunan Gunung Djati Bandung

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Abstract

This study aims to examine the role of mosque-based Islamic financial innovation in improving the welfare of rural communities. The method used in this study is qualitative with a literature study approach. Data sources were obtained from various literature such as books, scientific journals, articles, and official documents relevant to the research theme. Data analysis techniques were carried out in three stages, namely data reduction, data presentation, and drawing conclusions. The results of the study indicate that mosques have strategic potential as community-based economic centers because of their social and emotional closeness to rural communities. Through the management of zakat, infaq, sedekah, and waqf (ZISWAF) funds, as well as the implementation of sharia contracts such as qardhul hasan, murabahah, and musyarakah, mosques can become inclusive and usury-free Islamic microfinance institutions. This innovation is able to provide access to financing for small business actors, farmers, housewives, and poor rural communities, thereby encouraging local economic growth. In addition, the presence of mosques as financial centers also strengthens social solidarity, increases sharia financial literacy, and expands community participation in productive activities. By strengthening management, utilizing technology, as well as regulatory support and collaboration with Islamic financial institutions, mosques can become agents of significant socio-economic transformation in realizing sustainable and equitable village welfare.
A CONTEMPORARY ISLAMIC LEGAL REVIEW OF MUḌĀRABAH CONTRACTS BASED ON THE DSN-MUI FATWA Hamdan Fathurrahman; Nofrianto; Yuke Rahmawati; Fadli Daud Abdullah; Syahid Mujahid Wiwaha
al-Mawarid Jurnal Syariah dan Hukum (JSYH) Vol. 7 No. 2 (2025): al-Mawarid Jurnal Syariah dan Hukum (JSYH)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/mawarid.vol7.iss2.art8

Abstract

Purpose: This study aims to review the muḍārabah contract from a contemporary Islamic legal perspective, particularly through the fatwas of the National Sharia Council (DSN-MUI), given its strategic role in Islamic financing practices in Indonesia. This study aims to analyze the development of the muḍārabah concept from a classical fiqh understanding to a more contextual and systematic regulation, as outlined in the DSN-MUI fatwas. Method - This study uses a qualitative research method with a normative-juridical approach, analyzing classical fiqh texts, contemporary literature, and DSN-MUI fatwas related to muḍārabah. Findings - The research findings show that although the basic concept of muḍārabah in Islamic jurisprudence emphasizes the principle of profit-sharing and full responsibility for losses on the part of the owner of the capital, the National Sharia Council (DSN-MUI) has developed it through more systematic regulations, such as recognizing legal entities as parties to the contract, guarantee mechanisms under certain conditions, and adapting muḍārabah to modern financial instruments such as sukuk, convertible bonds, and Islamic insurance. Research Contribution–This study provides a comprehensive understanding of the transformation of the muḍārabah contract from a classical concept to the context of Indonesian Islamic economic law. The limitation of this research lies in its limited focus on DSN-MUI fatwas without exploring their practical implementation in Islamic financial institutions. Originality: This study’s originality lies in its attempt to critically connect classical fiqh studies with contemporary fatwas, thereby enriching Islamic legal discourse in responding to modern challenges.
Contemporary Challenges for Sharia Financial Institutions to Increase Competitiveness and Product Innovation Perspective of Sharia Economic Law: Evidence in Indonesia Fadli Daud Abdullah; Doli Witro; Misbahul Munir Makka; Muhamad Sadi Is; Syahid Mujahid Wiwaha
MILRev: Metro Islamic Law Review Vol. 3 No. 2 (2024): MILRev: Metro Islamic Law Review
Publisher : Faculty of Sharia, IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/milrev.v3i2.9202

Abstract

Globalisation and technological advancement present contemporary challenges for Indonesia's Sharia Financial Institutions (LKS) in maintaining competitiveness and innovating. This study examines these challenges, including the acceleration of financial technology (fintech), regulatory changes, and rising consumer expectations for inclusive and efficient services. LKS is required to continuously innovate and create products that meet the needs of a dynamic market while still following the principles of Sharia economic law. This research discusses how LKS integrates fintech and Islamic financial technology in their operations. This research uses a qualitative method with a descriptive-analytical approach. Data were collected through a literature study and document analysis related to government regulations and policies regarding Sharia Financial Institutions. The literature study and document analysis also included laws and regulations related to Islamic finance, Islamic economic law regulations, academic articles (journals), and books that discuss product innovation and competitiveness challenges of Sharia Financial Institutions. This study found that regulations such as the Financial Services Authority Regulation (POJK) and the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) provide a legal basis to support such innovation. However, LKS still faces challenges such as competition with conventional financial institutions, regulatory changes, and technological disruption. To remain competitive, LKS must adjust innovations such as Sharia fintech and crowdfunding following Sharia principles. In addition, public education on Sharia products is also important to increase financial inclusion. Through innovations such as factoring, bespoke financing, and solutions for online businesses, LKS can improve efficiency and empower small businesses while contributing to sustainable economic growth.