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All Journal YUME : Journal of Management Rangkiang: Journal of Islamic Economics and Business
Sy, Miftahul Zikri
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Economics, Econometrics & Finance Health Professions Social Sciences

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Maqashid Sharias Study on the Practice of Selling Gold that Has Not Been Paid off in Conditions of Urgent Need Sy, Miftahul Zikri; Iska, Syukri
Rangkiang: Journal of Islamic Economics and Business Vol. 3 No. 1 (2025): Islamic Economic
Publisher : Denisya Smart Consulting

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70072/rangkiang.v3i1.144

Abstract

This study aims to analyze the practice of buying and selling gold on credit from a sharia perspective, focusing on the principles of justice, transparency, and avoidance of elements of usury, gharar, and fraud. This phenomenon is becoming increasingly relevant as the public"s need for gold ownership as an investment instrument or value protection increases, even though they do not have the financial ability to buy in cash. The main problem studied in this study is when gold is still in installment status and has not fully become the property of buyers, especially in emergency conditions. The method used is descriptive qualitative research with a library research approach, which involves the analysis of classical and contemporary documents and literature related to fiqh muamalah, including the views of scholars from various schools and contemporary fatwas. The results of the study show that the practice of buying and selling gold on credit has room for ability in Islamic law, especially when gold is treated as a commodity (sil"ah) and not as a medium of exchange (tsaman). Despite differences of opinion among scholars regarding the legality of this transaction, the sharia maqashid approach provides legitimacy as long as the basic principles of sharia are maintained, such as justice, openness of contracts, and protection of weak parties. This research emphasizes the importance of a comprehensive understanding of contracts, payment mechanisms, and risks inherent in transactions so as not to deviate from sharia principles. Thus, the purchase and purchase of gold on credit can still be justified under sharia under certain conditions, as long as it meets strict conditions and signs in order to maintain benefits and avoid harmful practices
The Hidden Engine of Islamic Banks: A Literature Review on Management Principles and Fund Management in Islamic Banking Sy, Miftahul Zikri; Lara Aziza Putri, Himyar Pasrizal,
YUME : Journal of Management Vol 9, No 1
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yume.v9i1.11006

Abstract

Artikel ini bertujuan untuk mengkaji peran manajemen sebagai hidden engine dalam memperkuat kinerja perbankan syariah di Indonesia melalui analisis pola dasar manajemen dan pengelolaan Dana Pihak Ketiga (DPK), dengan landasan minimnya kajian yang mengintegrasikan hubungan manajemen syariah, DPK, dan pertumbuhan aset dalam satu kerangka analitis yang komprehensif. Metode yang digunakan adalah library research dengan pendekatan deskriptif kualitatif berbasis data sekunder yang bersumber dari jurnal terakreditasi, buku akademik, regulasi Bank Indonesia dan DSN-MUI, serta laporan Statistik Perbankan Syariah OJK tahun 2023-2025. Hasil penelitian menunjukkan bahwa kualitas manajemen yang berlandaskan prinsip syariah, tata kelola, dan mitigasi risiko berperan signifikan dalam menjaga stabilitas penghimpunan DPK dan likuiditas, selanjutnya mendukung pertumbuhan aset perbankan syariah, data industri mencatat bahwa total aset BUS-UUS meningkat hingga Rp 954-967 triliun, DPK mencapai Rp 725-753 triliun, dan pembiayaan sekitar Rp 666 triliun pada periode 2023-2025. Temuan ini menegaskan bahwa manajemen dana yang strategis dan sesuai prinsip syariah merupakan faktor utama yang mendorong daya saing dan keberlanjutan industri perbankan syariah di Indonesia, sekaligus memperkuat relevansi Strategic Fund Management Theory dalam konteks keuangan syariah modern.Keywords:  Dana Pihak Ketiga, Manajemen Bank Syariah, Manajemen Dana Bank.
Co-Authors Lara Aziza Putri, Himyar Pasrizal, Syukri Iska, Syukri