Article Per Year (5 Year)
p-Index From 2020 - 2025
0.23
P-Index
This Author published in this journals
All Journal Aliansi: Jurnal Hukum, Pendidikan dan Sosial Humaniora
Haura Muthmainnah
Unknown Affiliation
Humanities Education Law, Crime, Criminology & Criminal Justice Social Sciences

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Perbankan Syariah Menurut H.R. Tirmidzi No. 1232 dan Pasal 4 Ayat (1) UU No. 21 Tahun 2008 Haura Muthmainnah; Tajul Arifin
Aliansi: Jurnal Hukum, Pendidikan dan Sosial Humaniora Vol. 2 No. 3 (2025): Aliansi: Jurnal Hukum, Pendidikan dan Sosial Humaniora
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/aliansi.v2i3.930

Abstract

This study examines the relationship between the hadith of H.R. Tirmidzi No. 1232 concerning the prohibition of selling goods that are not yet owned with Article 4 Paragraph (1) of Law No. 21/2008 concerning the intermediary function of Islamic banking in Indonesia. With a descriptive-analytical approach with a juridical-normative method, this study reveals significant gaps in the implementation of regulations. While the hadith provides theological guidelines that require actual ownership before the contract, the fragmented regulatory framework results in inconsistent interpretations by the Sharia Supervisory Board in various institutions. Analysis of SINTA indexed journals shows that many Islamic banking products still contain elements of gharar (uncertainty), especially in murabahah contracts with installment payments. This study identifies three main issues: the limited explicit regulation in the DSN-MUI fatwa regarding hybrid contracts, structural challenges in Indonesia's decentralized regulatory approach compared to Malaysia's centralized model, and the gap between theoretical discourse and practical implementation. To strengthen the synergy between religious principles and regulatory mandates, this study recommends harmonization of the regulatory framework, implementation of intensive training for supervisory boards on the contextual background of related hadiths, and development of integrated compliance audits to assess product consistency with hadith guidance and legal requirements.
Co-Authors Tajul Arifin