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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Mediasas : Media Ilmu Syari'ah dan Ahwal Al-Syakhsiyyah
Rojikin, Ikin
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Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Musyarakah Mutanaqishah Contract Concept: Review of Product Refinancing and Take Over Rojikin, Ikin
Jurnal Mediasas: Media Ilmu Syari'ah dan Ahwal Al-Syakhsiyyah Vol. 5 No. 2 (2022): Jurnal Mediasas: Media Ilmu Syariah dan Ahwal Al-Syakhsiyyah
Publisher : Islamic Family Law Department, STAI Syekh Abdur Rauf Aceh Singkil, Indonesia

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Abstract

Musyarakah mutanaqishah merupakan akad modifikasi dari akad musyarakah yang diterapkan di lembaga keuangan syariah sebagai salah satu produk pembiayaannya. Adapun salah satu produk yang mengiringinya yaitu pembiayaan ulang (refinancing) dan pengalihan utang (take over). Tulisan ini bertujuan mengulas konsep musyarakah mutanaqishah serta konsepnya dalam Lembaga keuangan syariah dan sedikit menelaah terkait produk refinancing dan take over, kedua produk ini merupakan produk yang tidak bisa dipisahkan dari akad musyarakah mutanaqishah yang implementasinya di Lembaga keuangan syariah sekarang ini ramai digunakan. Pendekatan yang digunakan dalam penulisan ini adalah pendekatan yuridis normatif, kemudian jenis penelitian yang digunakan kualitatif dan metode yang dipilih adalah metode penelitian deskriptif analisis sedangkan data dikumpulkan dengan studi kepustakaan. Musyarakah mutanaqishah yang diimplementasikan di Lembaga Keuangan Syariah telah sesuai dengan prinsip syariah, hal itu didukung oleh fatwa DSN MUI yang ada dan produk refinancing serta take over pun menjadi salah satu kemudahan dalam pengaplikasikan akad musyarakah mutanaqishah
Implementation Of Agreements In Multi Level Marketing (Mlm) Business Schemes Based On Sharia Principles Nurjaman, Muhamad Izazi; Rojikin, Ikin; Pary, Hulaiva; Hasim, Syarif; Ayu, Dena
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10815

Abstract

Scholars have different opinions regarding MLM business schemes, some forbid and some for conditional permissibility. As for the juhur of contemporary scholars, many of them forbid it. However, the DSN-MUI through Fatwa Number 75 of 2009 allows MLM business schemes on condition that the implementation of a contract is in accordance with sharia principles. Therefore, this study will analyze the implementation of the contract in the MLM business scheme. This research includes sharia economic law research using a descriptive method of literature with a normative juridical approach using secondary data in the form of DSN-MUI Fatwas. This type of research is qualitative research with data analysis techniques, namely data reduction, data presentation and conclusions. The results of this study reveal that based on the substance of the DSN-MUI Fatwa Number 75 of 2009, MLM business schemes can use several contracts, namely murabaha, wakalah bi al-ujrah, ju'alah, ijarah and other contracts determined by DSN-MUI according to sharia principles, one of them is the Samsarah contract. However, the contract that is widely used in MLM business schemes is the ju'alah contract. Meanwhile, if you look at the MLM business scheme, which contains elements of intermediary services, services for selling products and recruiting new members which are part of the achievements that must be completed, then the appropriate contract is a hybrid contract between a samsarah contract and a ju'alah contract.
Co-Authors Ayu, Dena Hasim, Syarif Hulaiva Pary Nurjaman, Muhamad Izazi