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All Journal Al Yasini : Jurnal Keislaman, Sosial, hukum dan Pendidikan Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam
Muhammad Gesta Nugraha Fauzi
Unknown Affiliation
Religion Economics, Econometrics & Finance Education

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ANALISIS IMPLEMENTASI AKAD MUDHARABAH DALAM LEMBAGA KEUANGAN SYARIAH (STUDI KASUS BPRS AL MADINAH TASIKMALAYA) Ilman Miftahul Fauzi; Fahmi Nurfatwa; Iqbal Abdul Azis; Muhammad Gesta Nugraha Fauzi; Joni
Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam Vol 8 No 01 (2025): Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam
Publisher : Sekolah Tinggi Ilmu Ekonomi Bakti Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56998/5pa94c43

Abstract

Penelitian ini bertujuan untuk menganalisis implementasi akad mudharabah dalam operasional BPRS Al Madinah Tasikmalaya. Metode yang digunakan meliputi pengumpulan data sekunder dari dokumen, artikel, dan sumber daring terkait akad mudharabah, serta data primer melalui wawancara langsung dengan pihak BPRS, khususnya bagian pembiayaan dan pelaksana akad. Hasil penelitian menunjukkan bahwa BPRS Al-Madinah telah menerapkan akad mudharabah dalam produk simpanan seperti Tabungan Kotaku, Tabungan Simadu, dan Deposito Mudharabah yang berlandaskan prinsip bagi hasil. Sebelum akad dilakukan, bank menyampaikan konsep mudharabah dan menyepakati nisbah bagi hasil dengan calon nasabah secara transparan. BPRS berperan sebagai mitra usaha strategis yang tidak hanya menghimpun dan menyalurkan dana, tetapi juga menegakkan nilai-nilai syariah, keadilan, dan kemaslahatan bersama. Hubungan antara bank dan nasabah dibangun atas dasar kerja sama saling menguntungkan, berbeda dengan pola kreditur-debitur pada bank konvensional, sehingga turut mendorong penguatan ekonomi syariah secara berkelanjutan.
Analisis Perbandingan Lembaga Asuransi Syariah dan Asuransi Konvensional : Sebuah Tinjauan Litelatur: Asuransi Syariah, Asuransi, Tabarru’, Sharing Of Risk, Hukum Islam Ilman Miftahul Fauzi; Iqbal Abdul Azis; Fahmi Nurfatwa; Muhammad Gesta Nugraha Fauzi; Joni; Raihani Fauziah
Al Yasini : Jurnal Keislaman, Sosial, hukum dan Pendidikan Vol 10 No 5 (2025)
Publisher : Konsorsium Dosen Sekolah Tinggi Agama Islam (STAI) Al-Yasini Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55102/alyasini.v10i5.6983

Abstract

The increasing demand for insurance products in Indonesia, especially among the Muslim majority, has prompted the need for an in-depth study of the differences between sharia insurance and conventional insurance. This study uses a qualitative method with a literature review approach, where data sources are obtained from academic literature, regulations, and relevant national journal articles. The analysis was conducted through content analysis to identify the fundamental similarities and differences in terms of legal basis, fund management mechanisms, fund ownership principles, and risk sharing systems. The results of the study show that sharia insurance is based on the Qur'an, Hadith, ijma, and qiyas, with the main principle of mutual assistance (ta'awun) and a risk-sharing mechanism through tabarru' funds that remain the collective property of the participants. Conversely, conventional insurance is rooted in Western positive law with the principle of transfer of risk, where the premiums paid become the full property of the company, while the investment profits are fully controlled by the insurer. In addition, conventional insurance practices have the potential to contain elements of gharar, maisir, and riba, which are not in accordance with Islamic law. The conclusion shows that sharia insurance is not merely a financial protection instrument, but also a form of social solidarity and justice that is more in line with the needs of the Muslim community in Indonesia.
Co-Authors Fahmi Nurfatwa Ilman Miftahul Fauzi Iqbal Abdul Azis Joni Raihani Fauziah