Nurrohman
Universitas Islam Negeri Sunan Gunung Djati Bandung

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Hybrid Kontrak Perbankan Syariah di Indonesia: Analisis Pendekatan Rasionalisme Hadiat; Nurrohman
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i1.5751

Abstract

Contemporary Islamic economics requires innovation in contract implementation to address modern challenges. This research examines the fundamental reasoning and philosophical aspects of combined contracts (hybrid) through a descriptive-analytical approach, considering both normative and doctrinal aspects of Islamic law. The study reveals that hybrid contracts are the result of juristic reasoning (ijtihad) aimed at creating adaptive financial instruments while maintaining compliance with Shariah principles. The development of these hybrid formats is conducted rationally to maximize benefits for Islamic business practitioners. Several forms of hybrid contracts that have evolved include Mudharabah Musytarakah (partnership and profit-sharing), Musyarakah Mutanaqisah (asset ownership financing), al-Musyarakah al-Muntahiyah bi al-Tamlik (gradual partnership), and al-Ijarah al-Muntahiyah bi al-Tamlik/IMBT (lease with ownership option).
Prinsip dan Batasan Monopoli pada Prilaku Ihtikar dalam Pandangan Islam Dheddy Abdi Tamba; Nurrohman; Ihwan Sugiarto; Ari Fajar Santoso; Heri Budi Harsono
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i3.6247

Abstract

Hoarding in Islam is known as ihtikar, meaning hoarding behavior, which is one part of monopolistic practices. This hoarding behavior hurts the supply of goods in the market, so it can cause instability in the availability of goods and demand for goods and can result in market distortions. This research uses normative juridical, with a qualitative approach based on library research. Many business actors conduct monopolies by setting higher prices; according to business law in Indonesia, such monopolistic practices are strictly prohibited. In Islamic law, monopoly is allowed under restrictions and provisions based on the Koran and Hadith. Monopolies are permitted as long as they do not carry out hoarding (Ihtikar), especially goods that become staple foodstuffs or are related to the livelihood of many people. The role of government is to control monopolies and maintain stability by making regulations and direct intervention.