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Rukaini Rukaini
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Economics, Econometrics & Finance

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Implementasi Prinsip-Prinsip Syari’ah pada Lembaga Keuangan Syari’ah Rukaini Rukaini; Juliana Putri
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 2 No. 1 (2025): Januari : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v2i1.780

Abstract

This study aims to discuss the sharia principles applied in Islamic financial institutions, especially in Islamic banking, which focuses on evaluating the extent to which Islamic principles are implemented. This research method uses library research which involves collecting journal articles that are in accordance with the research topic using descriptive analysis. The data analysis used is inductive analysis. The results of the study indicate that the implementation of sharia principles in Islamic financial institutions is an effort to realize a fairer, more transparent, and sustainable financial system. Although there are several challenges, with a strong commitment from all parties, Islamic banking has great potential to develop and make a positive contribution to society. So that with the implementation of sharia principles in Islamic financial institutions, transactions that are contrary to Islamic teachings can be avoided: such as usury, maisir (gambling), gharar (obscurity), and other prohibited things.
Inovasi Akad Musyarakah dalam Perbankan Syariah: Perspektif Hadits dan Relevansinya dengan Praktik Modern M. Rafly Febryansyah; Khairiyah Fikri Azzahra; Akmalul Hajja; Rukaini Rukaini; Husni Kamal
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 2 No. 4 (2025): Juli: Jurnal Inovasi Ekonomi Syariah dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v2i4.1263

Abstract

This study aims to determine the innovation of musyarakah contracts in Islamic Banking, Hadith Perspective and its Relevance to Modern Practices. This study uses a descriptive qualitative method through a literature study method, with secondary data in the form of the Qur'an, hadith, and related literature. The analysis was carried out using the syarah maudhui (thematic) method of relevant hadiths. The research findings show that musyarakah values such as justice, transparency, trust (amanah), and the prohibition of betrayal and usury are the ethical and spiritual basis for Islamic banking operations. The application of the musyarakah concept today, including in the form of schemes such as musyarakah mutanaqisah and working capital financing, has encouraged innovation and flexibility in Islamic financial products.
Co-Authors Akmalul Hajja Husni Kamal juliana putri Khairiyah Fikri Azzahra M. Rafly Febryansyah