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Pangestuti, Yosinta
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Education Languange, Linguistic, Communication & Media Mathematics Other

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Prinsip Tolong-Menolong (I'anah) Sebagai Landasan Etika Transaksi Dalam Perbankan Syariah: The Principle of Mutual Assistance (I’anah) as the Ethical Foundation of Transactions in Islamic Banking Alfianti, Balita; Sudrajat, Bayu; Asy-syifa, Luthfi Durori; Rozak, Muhammad Fathur; Nashrullah, Nashi; Pangestuti, Yosinta
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 3 No 1 (2025): Desember-Januari
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17928848

Abstract

This study aims to analyze the principle of i’ānah as the ethical foundation for transactions within Islamic banking, utilizing a qualitative approach grounded in literature review and thematic analysis. The principle of i’ānah is conceptualized as the value of mutual assistance, serving as the moral cornerstone for all Islamic economic activities. By employing a qualitative methodology with a library research design and thematic analysis, this research conducts an in-depth examination of i’ānah as the ethical basis for Islamic banking transactions. The findings indicate that i’ānah functions not merely as an ethical guideline but also as a philosophical framework that reinforces the social orientation and justice inherent in Islamic banking transactions. An analysis of various classical and contemporary literature, alongside regulatory documents, demonstrates that integrating i’ānah values into Islamic banking products, services, and governance can enhance ethical compliance, strengthen accountability, and bolster institutional reputation. This study emphasizes the strategic urgency of implementing i’ānah values to fortify moral legitimacy and promote public benefit (maslahah) within Islamic financial practices. These findings pave the way for future research concerning the empirical measurement of i’ānah values regarding institutional behavior and customer perception.
Analisis Unsur Gharar dalam Akad Wakalah bil Ujrah Pada Produk PRUsyariah: Analysis of Gharar Elements in Wakalah bil Ujrah Contracts in PRUsyariah Products Hasanah, Wardatul; Sudrajat, Bayu; Soviana, Vriana; Firmansyah, Ahmad Riski; Pangestuti, Yosinta
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 3 No 1 (2025): Desember-Januari
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18160800

Abstract

This article examines the analysis of the element of gharar (uncertainty or ambiguity) in wakalah bil ujrah contracts within Sharia bancassurance products, with a focus on the PRUsyariah case study. As one of the primary contracts in the Sharia bancassurance scheme, wakalah bil ujrah demands a high level of transparency to avoid transaction practices containing gharar. This study aims to identify potential forms of gharar, assess their categories—whether they constitute gharar fahisy (major uncertainty) or gharar yasir (minor uncertainty)—and evaluate their compliance with muamalah principles and DSN-MUI fatwas. The research employs a normative juridical method through literature review, analysis of PRUsyariah policy documents, and comparison with classical fiqh provisions and DSN fatwas regarding wakalah bil ujrah contracts in the Sharia insurance industry. The results indicate that although the structure of the PRUsyariah contract generally complies with Sharia provisions, there are several potential instances of gharar that must be anticipated, particularly regarding the transparency of benefits, fees, and investment mechanisms. With proper mitigation, potential gharar fahisy can be prevented, ensuring the contract remains valid and product operations proceed according to the principles of fairness and transparency in Sharia economics.
Co-Authors Alfianti, Balita Asy-syifa, Luthfi Durori Firmansyah, Ahmad Riski Hasanah, Wardatul Nashrullah, Nashi Rozak, Muhammad Fathur Soviana, Vriana Sudrajat, Bayu