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All Journal Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance Innovative: Journal Of Social Science Research
Ali, Nazra
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Humanities Computer Science & IT Law, Crime, Criminology & Criminal Justice Public Health Other

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Analisis Konsep Akad Murabahah dan Ba’i Bidhamanil Ajil dalam Lembaga Keuangan Syariah Ali, Nazra; Nugroho, Ario; Lubis, Gusrianda Tri Putera; Warohmah, Mawaddah
Innovative: Journal Of Social Science Research Vol. 5 No. 1 (2025): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v5i1.17976

Abstract

Di tengah perkembangan signifikan perbankan syariah selama sepuluh tahun terakhir, pemahaman mendalam tentang kedua akad ini menjadi semakin penting untuk pengembangan produk keuangan yang sesuai syariah. Penelitian ini menganalisis konsep dan implementasi akad Murabahah dan Ba'i Bidhamanil Ajil dalam konteks lembaga keuangan syariah di Indonesia. Menggunakan metode penelitian kepustakaan (library research) dengan pendekatan kualitatif deskriptif, penelitian ini mengkaji sumber-sumber primer seperti Al-Quran, Hadits, dan kitab-kitab fiqh klasik, serta sumber sekunder berupa jurnal dan publikasi terkait. Hasil penelitian menunjukkan bahwa kedua akad memiliki karakteristik dan implementasi yang berbeda namun saling melengkapi dalam sistem keuangan syariah. Murabahah berfokus pada transparansi harga pokok dan margin keuntungan, sementara Ba'i Bidhamanil Ajil menekankan pada mekanisme pembayaran tertangguh. Kedua akad ini berkontribusi signifikan dalam menyediakan alternatif pembiayaan yang bebas riba dan mendukung pengembangan ekonomi syariah di Indonesia. Penelitian ini juga mengidentifikasi peluang pengembangan kedua akad tersebut dalam konteks era digital, serta tantangan dalam implementasinya di lembaga keuangan syariah modern.
ANALISIS KOMPARASI FATWA DSN NO. 21/DSN-MUI/X/2001 TENTANG TAKAFUL TERHADAP PROGRAM BPJS KESEHATAN Ali, Nazra; Nugroho , Ario; Kurniawan , Faizs; Yusuf Nasution , Rahmanda; Putera Lubis , Gusrianda Tri; Fauzan Andika , Muhammad; Nur Iqbal, Muhammad
Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance Vol. 5 No. 2 (2025): Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/bureau.v5i2.713

Abstract

This study aims to analyze comparatively the implementation of the BPJS Kesehatan program with takaful principles, by taking a case study at the Mitra Babussalam Clinic, Besilam. The background of this research departs from the question of the compatibility of the national social security system, especially BPJS Kesehatan, with sharia values believed by the majority of Muslims in Indonesia. This study uses a qualitative approach with data collection techniques through interviews with clinic managers and literature review on the concept of sharia insurance. The results of the study show that BPJS Kesehatan and sharia insurance have similarities in terms of social goals, the principle of help-help (ta'awun), and non-profit nature. However, there are fundamental differences in contract structure, fund ownership, management system, and supervision. BPJS Kesehatan does not use sharia contracts explicitly and is not supervised by the Sharia Supervisory Board, as is the case in the takaful system. Nevertheless, the service practices at Babussalam Clinic show the application of ethical values and services in accordance with Islamic principles. This study recommends that BPJS Kesehatan consider integrating sharia values in its system to answer the needs of the Muslim community and increase public trust in national social security.
Co-Authors Fauzan Andika , Muhammad Kurniawan , Faizs Lubis, Gusrianda Tri Putera Nugroho , Ario Nugroho, Ario Nur Iqbal, Muhammad Putera Lubis , Gusrianda Tri Warohmah, Mawaddah Yusuf Nasution , Rahmanda