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ANALISIS TERHADAP AKAD MUSYARAKAH MUTANAQISAH DAN PROBLEMATIKANYA DALAM PRAKTIK PERBANKAN SYARIAH Makraja, Fahmi; Elya Fitriyani; Nisa Afifah; Khadijatul Musanna
Jurnal Syariah dan Ekonomi Islam Vol 3 No 2 (2025): Jurnal Syariah dan Ekonomi Islam
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/nfd6x974

Abstract

  The Musyarakah Mutanaqisah (MMQ) contract, as one of the increasingly popular financing products in Islamic banking, offers a unique alternative to asset ownership that is in line with sharia principles. This study aims to comprehensively analyze the MMQ contract, highlight its Sharia foundations, and identify and explore the issues that arise in its implementation in the field. The research methods used include literature review and qualitative analysis of fatwas issued by the National Sharia Council of the Indonesian Ulema Council (DSN-MUI), Islamic banking regulations, and practices observed in several Islamic banks. The analysis shows that, in theory, MMQ is built on three basic contracts that do not conflict with each other: the syirkah or musyarakah contract for partnership, the ijarah contract for lease, and the sale and purchase contract for transfer of ownership. The combination of the three forms an innovative financing structure. However, in practice, several crucial issues arise. One of these is the issue of al-Ijarah al-Mawsuqah bil-Bay', or lease followed by a promise of sale, which some contemporary scholars still debate its validity. Nevertheless, the DSN-MUI has issued a fatwa permitting this scheme under certain conditions and terms
URGENSI MAQASID SYARIAH DALAM MENILAI TREN THRIFTING: SEBUAH SOLUSI ATAU ANCAMAN Fahmi Makraja; Elya Fitriyani; Nisa Afifah; Tajul Iflah; Raihan Putri
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 1 (2025): Oktober
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i1.61732

Abstract

Abstrak Tren thrifting, atau jual beli pakaian bekas, telah menjadi fenomena global yang populer, terutama di kalangan generasi muda. Fenomena ini didorong oleh berbagai faktor, mulai dari isu keberlanjutan lingkungan, ekonomi, hingga ekspresi gaya hidup. Namun, di balik popularitasnya, thrifting memunculkan berbagai pertanyaan etis dan moral, terutama ketika dianalisis dari perspektif Maqasid Syariah. Penelitian ini bertujuan untuk mengkaji urgensi Maqasid Syariah sebagai kerangka evaluasi yang komprehensif untuk menilai tren thrifting. Dengan menggunakan pendekatan kualitatif dan studi pustaka, tulisan ini menganalisis fenomena thrifting dengan menimbang maslahat (manfaat) dan mafsadat (kerugian) yang ditimbulkannya. Hasil Penelitian ini menjawab bahwa berdasarkan analisis menggunakan Maqasid Syariah, tren thrifting memiliki dua sisi yang kontras. Sebagai solusi, thrifting sejalan dengan prinsip hifz al-mal (menjaga harta) karena menawarkan akses sandang yang terjangkau dan mengurangi limbah tekstil. Hal ini juga mendukung hifz al-bi'ah (menjaga lingkungan) dengan mempromosikan ekonomi sirkular. Namun, sebagai ancaman, thrifting berpotensi merusak hifz al-mal makro karena mengancam industri tekstil lokal. Selain itu, aspek hifz al-nafs (menjaga jiwa/kesehatan) dapat terabaikan jika pakaian bekas tidak disanitasi, dan dapat mendorong perilaku israf (pemborosan) yang bertentangan dengan etika Islam. Dengan demikian, thrifting adalah solusi hanya jika dilakukan secara etis dan bertanggung jawab. Kata Kunci: Thrifting, Maqasid Syariah, Keberlanjutan, Ekonomi Sirkular, Etika Islam.   Abstract The trend of thrifting, or buying and selling used clothing, has become a popular global phenomenon, especially among the younger generation. This phenomenon is driven by various factors, ranging from environmental sustainability issues, economics, to lifestyle expressions. However, behind its popularity, thrifting raises various ethical and moral questions, especially when analyzed from the perspective of Maqasid Syariah. This study aims to examine the urgency of Maqasid Syariah as a comprehensive evaluation framework for assessing the thrifting trend. Using a qualitative approach and literature review, this paper analyzes the thrifting phenomenon by weighing the maslahat (benefits) and mafsadat (drawbacks) it entails. The findings of this study indicate that, based on an analysis using Maqasid Syariah, the thrifting trend has two contrasting sides. As a solution, thrifting aligns with the principle of hifz al-mal (preserving wealth) by offering affordable clothing and reducing textile waste. It also supports hifz al-bi'ah (preserving the environment) by promoting a circular economy. However, as a threat, thrifting has the potential to undermine macro hifz al-mal by jeopardizing the local textile industry. In addition, the aspect of hifz al-nafs (preserving life/health) can be neglected if used clothing is not sanitized, and can encourage israf (wasteful) behavior that is contrary to Islamic ethics. Thus, thrifting is a solution only if it is done ethically and responsibly. Keywords: Thrifting, Maqasid Syariah, Sustainability, Circular Economy, Islamic Ethics.