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All Journal Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah CITIZEN: Jurnal Ilmiah Mulitidisiplin Indonesia
Nurafni, Fina
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Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Analysis of Maqsud tahqiqi al-adl in Multi-Level Marketing transactions from Ibn Taimiyyah's perspective Kamaluddin, Imam; Nurafni, Fina
Citizen : Jurnal Ilmiah Multidisiplin Indonesia Vol. 5 No. 1 (2025): CITIZEN: Jurnal Ilmiah Multidisiplin Indonesia
Publisher : DAS Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53866/jimi.v5i1.695

Abstract

This study aims to analyze the extent of the application of maqsud tahqiqi al-'adl in multi-level marketing (MLM) transactions. This is very important to do a review by analyzing more deeply from the aspect of the halal system, model, and products traded. That is because people consider MLM transactions very promising to get large profits through relatively small capital. However, DSN-MUI has issued fatwa No. 75/DSN MUI/VII 2009: 75/DSN MUI/VII 2009 on the halalness of Sharia Multi-Level Marketing (MLMS). But in practice, there is still a money game in giving bonuses that do not meet sharia principles. This research is library research using qualitative methods sourced from secondary data obtained by collecting information from various kinds of literature. The analysis technique used in this research is descriptive-analytical. This research seeks to provide a comprehensive and in-depth understanding of the MLM business and is analyzed with maqasid sharia Ibn Taymiyyah. The results showed that sharia MLM is a legitimate transaction because it does not contradict the arguments and is by the sale and purchase contract if practiced by the conditions in DSN Fatwa No. 75/dsn mui/vi: 75/DSN MUI/VII 2009. The system adopted by MLMS in the way of donation is by one of Ibn Taymiyyah's maqasid, namely Maqsud tahqiqi al-adl, which states
Analisis Risiko Akad Syariah pada Pembiayaan KPR; Studi Perbandingan Akad Istishna, Musyarakah Mutanaqishah, dan Ijarah Muntahiyah Bittamlik Djayusman, Royyan Ramdhani; Nurafni, Fina
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 10 No 2 (2025): Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v10i2.11200

Abstract

This study aims to analyze and compare the inherent risks in the three main contracts used in Sharia mortgage financing (KPR), namely Istishna, Musyarakah Mutanaqishah, and Ijarah Muntahiyah Bittamlik. This article is categorized as a literature-based study with a qualitative approach. The methodology employed is a normative legal study presented comparatively. The results indicate that each contract has distinct risk characteristics: the Istishna contract faces a high risk of delivery failure, the Musyarakah Mutanaqishah contract is exposed to risks of installment payment delays and top-up requests, while the Ijarah Muntahiyah Bittamlik contract carries lower risks with a simpler structure and flexibility in ownership transfer. These findings provide recommendations for Islamic financial institutions to tailor contract choices according to customer profiles and operational risks in order to enhance the effectiveness and sustainability of Sharia mortgage financing.
Co-Authors Imam Kamaluddin Royyan Ramdhani Djayusman