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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Ipso Jure
Abdul Fattah
Nahdlatul Ulama Garut Islamic School Of Economics And Business
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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BUYING AND SELLING FROM THE PERSPECTIVE OF THE QURAN AND HADITH Abdul Fattah
Ipso Jure Vol. 1 No. 10 (2024): Ipso Jure - November
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/q16rf258

Abstract

Buying and selling in Islam is not only an economic transaction, but also has a spiritual and ethical dimension that distinguishes it from other economic systems. This study aims to examine the interpretation of verses and hadith ahkam on buying and selling, to understand the principles and ethics underlying economic transactions in Islam. This study uses a qualitative approach with a literature study method. The primary data sources are the Qur'an and hadith, while secondary data sources include tafsir books, hadith explanations, fiqh books, and relevant journal articles. The results of the study indicate that buying and selling in Islam must be based on principles such as willingness, justice, honesty, and transparency. In addition, there are ethics that must be considered, such as avoiding usury, gharar (uncertainty), and fraud. This study is expected to provide a better understanding of buying and selling in Islam, so that Muslims can carry out their economic activities in accordance with religious guidance and achieve blessings in every transaction.
Penerapan Akad Musyarakah dan Musyarakah Mutanaqisah dalam Pembiayaan Proyek Jalan Tol: Studi Analisis Implementasi dan Tantangan di Indonesia Abdul Fattah; Oyo Sunaryo Mukhlas
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 9 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i9.9159

Abstract

This research examines the implementation of musyarakah and musyarakah mutanaqisah contracts in financing toll road infrastructure in Indonesia. The significant funding required for toll road development presents an opportunity for Islamic banking to contribute through partnership-based financing instruments. This study analyzes financing structures, compliance with Sharia principles, risk allocation, and implementation challenges through real cases in Indonesia, such as the Trans-Java Toll Road, the Serpong-Balaraja Toll Road, and the Cileunyi-Sumedang-Dawuan (Cisumdawu) Toll Road. This research uses a descriptive qualitative approach with content analysis of legal documents and financial reports. The results show that innovative Sharia financing structures can overcome the limitations of conventional investment, but are still faced with challenges in regulation, contract standardization, and the capacity of Islamic financial institutions in financing large-scale project.
Dialektika Fikih Musyarakah Mutanaqisah: Analisis Kritis Penerapannya dalam Pembiayaan Perumahan Syariah di Indonesia Abdul Fattah; Sofyan al-Hakim; Fauzan Januri
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 9 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i9.9233

Abstract

This paper presents a comprehensive analysis of the jurisprudential dialectic surrounding the application of the Musyarakah Mutanaqisah (MMQ) contract in Islamic housing finance in Indonesia. MMQ, as a sophisticated Islamic jurisprudential (fiqh) innovation, is designed to offer an equitable alternative to debt-based financing models. However, this study identifies a fundamental tension between the ideals of fiqh and the realities of its implementation in the Indonesian financial market. The main findings indicate that although MMQ is theoretically a genuine partnership product that accommodates scholarly differences of opinion (ikhtilaf), its practical application often faces significant challenges. These challenges include a substantial gap in risk-sharing mechanisms, where risks tend to be disproportionately transferred to the customer; a fundamental conflict with the national legal framework concerning collateral (the Mortgage Law or Undang-Undang Hak Tanggungan), which is based on a debtor-creditor relationship; and a critical evaluation of its fulfillment of the higher objectives of Islamic law (Maqasid al-Shariah). This paper concludes that despite MMQ's strong jurisprudential and regulatory legitimacy from the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) and the Financial Services Authority (OJK), there is a "substantive gap" that needs to be addressed for this product to realize the essence of justice and partnership that forms its philosophical foundation.
Co-Authors Fauzan Januri Oyo Sunaryo Mukhlas Sofyan al-Hakim