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All Journal SYARIATI : Jurnal Studi Al-Qur'an dan Hukum Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Jurnal Cendekia Ilmiah
Anwar Ma’rufi
Institut Agama Islam An-Nawawi Purworejo
Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Nalar Hikmah Dalam Fatwa Dsn-Mui Tentang Ganti Rugi (Ta’widh) Ririh Ambarningsih; Achmad Nursobah; Anwar Ma’rufi
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 1: Desember 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i1.5147

Abstract

In the context of Indonesia's economy and business, the practice of compensation (ta'widh) by Islamic financial institutions faces various issues and challenges. There are differing understandings and interpretations regarding the application of compensation in accordance with Sharia principles, with some views suggesting that the calculation methods and amounts of compensation are not yet fully compliant. This has led to dissatisfaction and controversy among customers. The practice of compensation is often misconstrued as a form of penalty, contradicting Sharia principles that prohibit usury. The goal of this study is to examine how Indonesian Islamic financial institutions have adopted the DSN-MUI fatwa on compensation, or ta'widh. The purpose of this qualitative study is to investigate the meanings and guiding principles of the fatwa provisions using a library research method and hikmah-based reasoning approach. Primary data is sourced from DSN-MUI fatwa documents, while secondary data includes academic literature. The analysis results indicate that the DSN-MUI fatwa effectively integrates the principles of hikmah, promoting justice, benefit, and adherence to Sharia. This fatwa enhances the implementation of ta'widh, ensuring consistency with core Sharia values, and contributes positively to the Islamic financial system. It is anticipated that the research findings would be used as a guide for Islamic financial institutions, regulators, and the general public in accurately implementing the fatwa in accordance with Sharia principles.
Implementasi Prinsip Syariah dalam Marketplace Berbasis Fatwa DSN-MUI di Indonesia Delia Devana; Anwar Ma’rufi; Achmad Nursobah
Syariati: Jurnal Studi Al-Qur'an dan Hukum Vol. 11 No. 1 (2025): SYARIATI : Jurnal Studi Al Qur'an dan Hukum
Publisher : Fakultas Syari'ah dan Hukum (FSH) UNSIQ

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32699/syariati.v11i1.8005

Abstract

Penelitian ini membahas tentang penerapan prinsip-prinsip syariah dalam operasional marketplace di Indonesia, merujuk pada Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) No. 144/DSN-MUI/XII/2021. Masalah yang diidentifikasi dalam penelitian ini adalah bagaimana prinsip-prinsip syariah diterapkan dalam marketplace berdasarkan ketentuan fatwa tersebut. Penelitian bertujuan untuk menganalisis implementasi prinsip-prinsip syariah dalam aktivitas jual beli di platform marketplace, khususnya terkait larangan riba, gharar (ketidakpastian), maysir (spekulasi), dan keharusan adanya akad yang sah. Penelitian dilakukan menggunakan pendekatan kualitatif dengan metode studi pustaka (library research). Data dikumpulkan melalui analisis dokumen fatwa, jurnal ilmiah, dan artikel terkait. Teori yang digunakan merujuk pada ketentuan-ketentuan hukum ekonomi syariah yang ditetapkan oleh DSN-MUI sebagai landasan normatif dalam mengkaji fenomena jual beli di marketplace. Hasil penelitian menunjukkan bahwa marketplace syariah harus memenuhi prinsip-prinsip syariah, serta kewajiban menyediakan akad yang sah sesuai hukum Islam. Implementasi fatwa ini bertujuan untuk memastikan bahwa transaksi di marketplace sesuai dengan nilai-nilai keadilan, transparansi, dan kejujuran dalam Islam, serta memberikan perlindungan bagi konsumen
Implementasi Akad Murabahah pada Pembiayaan di BMT An-Nawawi Berjan Purworejo Nur Baiti; Anwar Ma’rufi; Arifuat Marzuki
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 12 No. 2 (2026): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v12i2.4087

Abstract

Murabahah is a sale-based contract used in financing by Islamic financial institutions, whose implementation requires clarity of the object, acquisition cost, profit margin, and ownership of the goods prior to the sale transaction. This study aims to analyze the implementation of the murabahah contract in financing at BMT An-Nawawi Berjan Purworejo and examine its conformity with Islamic principles and provisions. This study employed a descriptive qualitative approach, with data collected through interviews, observation, and documentation. The data were analyzed descriptively and analytically by comparing the financing practices identified in the field with the provisions of DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 on Murabahah. The findings indicate that murabahah financing at BMT An-Nawawi is implemented through several stages, including financing application and verification, procurement of goods, determination of the selling price and profit margin, contract execution, installment payments, and the use of collateral. The practice demonstrates conformity in terms of the clarity of the object, disclosure of the acquisition cost, agreement on the profit margin, and installment payments based on the agreed selling price. BMT An-Nawawi also applies murabahah bil wakalah by authorizing customers to purchase goods under certain circumstances. However, the ownership of goods and the sequence of wakalah and murabahah contracts require further attention to ensure that the murabahah contract is executed after the goods have, in principle, become the property of the BMT.
Co-Authors Achmad Nursobah Arifuat Marzuki Delia Devana Nur Baiti Ririh Ambarningsih