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All Journal At-tahsin: Jurnal Manajemen Pendidikan Jurnal Hukum Ekonomi Syariah : AICONOMIA
Efrizal, Tegar
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Religion Education Law, Crime, Criminology & Criminal Justice

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Rekontruksi Konsep Bai’ Al-’Inah dan Relevansinya terhadap Pengembangan Produk Keuangan Syariah Modern Efrizal, Tegar; Zen, Muhamad
Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 4 No. 2 (2025): Aiconomia Desember 2025
Publisher : Fakultas Syariah IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/acm.v4i1.6140

Abstract

Bai' al-'Inah is a concept in muamalah fiqh that still causes incidents, especially in modern sharia financial practices. Formally, this transaction takes the form of two valid sale and purchase contracts, but substantially it is often seen as resembling an interest-bearing loan, thus potentially containing elements of usury. This study aims to analyze Bai' al-'Inah comparatively between the views of classical scholars, especially Imam al-Syafi'i in al-Umm and Ibn Taymiyyah in Majmū' al-Fatāwā, and contemporary fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI), especially Fatwa No. 04/DSN-MUI/IV/2000 and Fatwa No. 31/DSN-MUI/VI/2002. This study uses a qualitative method with a library research approach, through thematic analysis of relevant classical and contemporary literature. The results of the study indicate that Imam al-Syafi'i tends to allow Bai' al-'Inah formally as long as the pillars and conditions of the contract are fulfilled without any hidden conditions, while Ibn Taymiyyah firmly rejects the practice of being divided because it is a usury that deviates from the maqasid al-syariah. Meanwhile, the DSN-MUI implicitly rejects Bai' al-'Inah in Islamic financial practices in Indonesia, although in certain contexts it allows mechanisms that resemble Bai' al-'Inah on the basis of greater public interest considerations. This study confirms that Bai' al-'Inah is not only a matter of formal legality, but also a moral, social, and ethical issue in the Islamic financial system. Thus, the development of modern Islamic finance should not stop at the formal fulfillment of the contract, but also focus on containing the maqasid al-syariah in order to realize justice and economic welfare.
Exploring Managerial Activation Based on al-Qur’an Insights from Hamka’s Tafsir al-Azhar Efrizal, Tegar; Mahmud, Hamidullah
at-Tahsin Vol 6 No 1 (2026): Educational Management
Publisher : Sekolah Tinggi Ilmu Tarbiyah Togo Ambarsari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59106/attahsin.v6i1.374

Abstract

This study explores managerial activation within organizational contexts through the Qur’an, elucidating insights derived from Hamka’s Tafsir Al‑Azhar to conceptualize an Islamic framework for value-driven leadership. Although contemporary management research emphasizes efficiency and performance metrics, few studies integrate Qur’anic principles emphasizing collective moral action as a catalyst for organizational motivation and mobilization. Employing a qualitative, literature-based methodology, this research analyzes primary sources and supplementary secondary literature on Islamic management theory. Data collection involved systematic textual examination of selected Qur’anic verses interpreted, while comparative analysis contextualized spiritual insights within modern organizational paradigms. Data were analyzed through thematic coding and interpretive synthesis to identify key managerial constructs. Findings indicate that Qur’anic managerial principles encompass visionary leadership articulating organizational purpose, moral accountability fostering ethical decision-making, and collaborative engagement enhancing social cohesion. Ethical oversight ensures alignment with both spiritual and operational standards, while orientation toward collective welfare links organizational success to societal benefit. The study further reveals that embedding Qur’anic principles strengthens structural efficiency while cultivating ethically grounded and socially responsive leadership practices. Consequently, this research offers a conceptual contribution toward a holistic Islamic management model and recommends empirical validation of these principles across diverse organizational settings to assess applicability and impact.
Co-Authors Mahmud, Hamidullah Muhamad Zen