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All Journal Jurnal Perbankan Syariah Darussalam (JPSDa)
Hirmayani, Amanda
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Economics, Econometrics & Finance

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Manajemen Pembiayaan Berbasis Nilai Syariah Dan Kinerja Bank Syariah Tinjauan Literatur Marunta, Ristiyanti Ahmadul; Fatrisia, Anggun Ade; Hirmayani, Amanda; Hasniar; Herni; Aulia, Malika Kesya
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 1 (2026): Januari 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i1.4885

Abstract

This research aims to examine the concept of sharia values in sharia banking, its integration mechanisms in financing management, as well as the influence of sharia value-based financing management on the performance of sharia banks. The research approach used is qualitative with a literature review method of various national journals and relevant scientific proceedings. Data was collected through literature searches on scientific databases such as Google Scholar and accredited national journal portals, then analyzed using systematic content analysis techniques. The results of the study show that sharia values such as monotheism, justice, trust, transparency, benefit and balance are the fundamental basis for sharia bank operations and differentiate them from conventional banking. The integration of these values in financing management is realized through the use of sharia contracts, application of the precautionary principle, compliance with sharia fatwas, and orientation to sharia maqashid. Sharia value-based financing management has been proven to have a positive effect on the performance of sharia banks, both from the financial, operational, risk management and non-financial performance aspects from a sharia maqashid perspective. Thus, strengthening the integration of sharia values in financing management is a strategic factor in improving the performance and sustainability of sharia banks.
Analisis Fiqh Muamalah Terhadap Penerapan Akad Musyarakah Mutanaqisah Dalam Pembiayaan Rumah Di Perbankan Syariah Sumarni; Aulia, Malika Kesya; Hirmayani, Amanda; Herni; Fatrisia, Anggun Ade; Hasniar
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 1 (2026): Januari 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i1.4886

Abstract

This study aims to analyze the implementation of the Musyarakah Mutanaqishah (MMQ) contract in home financing products of Islamic banking institutions from the perspective of fiqh muamalah. Musyarakah Mutanaqishah represents an innovative Islamic financing scheme that combines partnership principles with gradual transfer of ownership, designed to avoid interest-based transactions in housing finance. This research employs a qualitative method with a normative and conceptual approach by examining classical and contemporary fiqh muamalah literature, the fatwas issued by the National Sharia Council of the Indonesian Ulama Council (DSN-MUI), and relevant regulatory frameworks. The findings indicate that normatively, the Musyarakah Mutanaqishah contract fulfills the essential pillars and conditions of a valid Islamic contract and is legally supported by DSN-MUI Fatwa No. 73/DSN-MUI/XI/2008. The mechanism of joint ownership, payment of ujrah for asset utilization, and gradual transfer of ownership reflects the principles of justice and mutual benefit emphasized in Islamic law. However, practical implementation reveals several challenges, including the potential imbalance of risk allocation and deviations from the ideal partnership model. Therefore, strengthening substantive compliance in the application of Musyarakah Mutanaqishah is essential to ensure alignment with the principles of fiqh muamalah and the objectives of maqashid al-shariah.
Co-Authors Aulia, Malika Kesya Fatrisia, Anggun Ade Hasniar Herni Marunta, Ristiyanti Ahmadul SUMARNI