Article Per Year (5 Year)
p-Index From 2020 - 2025
5.529
P-Index
This Author published in this journals
All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal KALAM ESOTERIK Diwan : Jurnal Bahasa dan Sastra Arab Gender Equality: Internasional Journal of Child and Gender Studies QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama Halaqa : Islamic Education Journal SYAMIL: Jurnal Pendidikan Agama Islam (Journal of Islamic Education) Al-Dzikra: Jurnal Studi Ilmu al-Quran dan al-Hadits Ijaz Arabi Journal of Arabic Learning Tribakti: jurnal pemikiran keIslaman IJoASER (International Journal on Advanced Science, Education, and Religion) Mantiqu Tayr: Journal of Arabic Language Journal of Research in Instructional Al-Muamalat : Jurnal Ekonomi Syariah MAQASIDI Jurnal Al-Qiyam Jurnal Tana Mana SYAMIL: JURNAL PENDIDIKAN AGAMA ISLAM (JOURNAL OF ISLAMIC EDUCATION) Al Karima : Jurnal Studi Ilmu Al Qur'an dan Tafsir Unisia Journal of Islamic Economics Lariba Amorti: Jurnal Studi Islam Interdisipliner International Journal of Education and Digital Learning (IJEDL) Demak Universal Journal of Islam and Sharia International Journal of Islamic Studies Higher Education Religia : Jurnal Ilmu-Ilmu Keislaman Al-Karim: International Journal of Quranic and Islamic Studies Kanun: Jurnal Ilmu Hukum Jurnal Progress: Wahana Kreativitas dan Intelektualitas Jurnal Hukum Islam Abdurrauf Journal of Islamic Studies Andragogi Jurnal Pendidikan dan Pembelajaran Tribakti: Jurnal Pemikiran Keislaman Al Maghazi : Arabic Language in Higher Education Proceeding Of International Conference On Education, Society And Humanity Al-Insyiroh: Jurnal Studi Keislaman Canonia Religia: Jurnal Studi Teks Agama dan Sosial Al-Risalah Jurnal Studi Agama dan Pemikiran Islam Waralaba : Journal Of Economics and Business
Masuwd, Mowafg
Unknown Affiliation
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

Published : 42 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Kanun: Jurnal Ilmu Hukum

 1 
THE JUSTIFICATION AND IMPLEMENTATION OF FINES ON CAPABLE CUSTOMERS IN ISLAMIC FINANCIAL INSTITUTIONS: A SHARIAH LAW PERSPECTIVE Mustika, Mega; Masuwd, Mowafg; Malik, Ridwan; Hasanuddin, Hasanuddin; Malik, Abdul
Kanun Jurnal Ilmu Hukum Vol 27, No 1: April 2025: Customary Law and development in Indonesia
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/kanun.v27i1.41277

Abstract

The imposition of fines on financially capable customers who delay installment payments in Islamic financial institutions presents a complex issue that necessitates justification in accordance with Shariah principles. This study examines the application of principles such as justice, legal compliance, and responsibility within the fine policies directed at these customers. It further assesses the degree to which the imposition of fines is accepted across various Islamic financial institutions and explores how existing regulations can be clarified to ensure adherence to Shariah principles. The fatwa issued by the Indonesias National Sharia Council of the Indonesian Ulema Council (DSN-MUI) permits the imposition of fines solely on financially capable customers who intentionally delay their payments. However, a significant challenge persists: the lack of a standardized criterion for identifying capable customers who should justly incur fines, including the specific duration of delinquency required before a fine is applied. Islamic banks fundamentally operate on the profit-sharing principle and do not inherently recognize fines in the same manner as conventional banks. Nevertheless, to mitigate customer negligence and maintain a balance between justice and legal compliance, some Islamic banks incorporate fines into their financing contracts. This practice remains contentious, primarily due to concerns that such fines may resemble riba qardh or riba nasiah, both of which are explicitly prohibited in Islam. This article contributes to the development of standardized guidelines for Islamic banks, facilitating the objective identification of capable customers and the implementation of fines in a manner that aligns with Islamic values.
Co-Authors A.Jauhar Fuad Abdul Malik Abdul Mufid Abdulghani, Naser Abdullah, Mahmoud Abdurahman Abdurrahman Abu Zinah, Mansur Muhammad Adi Wijaya Adrika Fithrotul Aini, Adrika Fithrotul Agusman, Agusman Ahmad Farih Dzakiy, Ahmad Farih Aisyah Arsyad, Aisyah Albshkar, Hajer Albshkar, Hajer Abdallah Alfatani, Ifan Ali Alifta, Zeni Alouzi, Khuloud Alriteemi, Abraheem Alrumayh, Safa Alsayd, Abdulnaser Alsayd, Abdulnasir Dhaw Alzletni, Naima Salem Amrin Amrin Arifin, Mohammad Samsul Armyn Hasibuan Aryanti, Yosi Asmar, Mohd. Dimasqi Abandi Ayad, Nahid Baso Pallawagau Benny Prasetiya Bin Abdul Aziz, Abdul Rashid Busthomi, Yazidul Dharmawan, M. Alvin Setia Eko Zulfikar ELIHAMI, ELIHAMI Faizal Amin Fauzan . Fa’atin, Salmah Firdausiah, Nuri Fitrayani, Fitrayani Gustianti, Rizky HABIBI, ERFAN Hady, Alya Nafiesa Harisudin, Harisudin Hasanuddin Hasanuddin Hasanuddin, Hasanuddin Hayati, Mardiyan Heni Pujiastuti Husin Husin, Husin Husna Nashihin Iskandar Iskandar Januari, Anas Tania Jasri, Jasri kasheem, Majdy Khakim, Ahmad Maulidin Nuril Kirom, Abdul Kurnia Putra, Nanda M Rusydi Khalid, M Rusydi Ma'mun, Mohamad Mahmudin Mahmudin, Mahmudin Makmudi, Makmudi Mamdukh Budiman Mansyur, Fakhruddin Mardan Mardan Masoud, Mohieddin Mega Mustika MF, Moh Shofiyul Huda Midahayati, Rina Moh Mujibur Rohman Muhammad Ridwan Muhammad Saleh Mukaromah, Kholila Mukarromah, Lu’luil Mustamin, Siti Walidah Mutholingah, Siti Muzaiyana Mu’minin, Nashrul Nafi, Muhammad Naser Ali Abdulghani Nasution, Ismail Fahmi Arrauf Nisfah, Amirotun Nuhdi, Asep Paisun Paisun Putri, Amanda Alifia Ridwan Malik Rosyadi, Nabil Sami Barkah Samsuddin Samsuddin Setyaningrum, Vidhy Andika Shalghoum, Najimudin Shodiqi, Fauzan Subhan Subhan Syahran, Muhammad Syarifah . Umi Latifah Uswatun Hasanah Wanto, Deri Wijaya, Mirza Mahbub Yahya, Najeeb Yanto, Murni Yaqin, Muhamaad Ainul Yuli Andriansyah Zaenal Abidin Zainuddin, Zainuddin