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IMPLEMENTASI AKAD KERJASAMA SYARIAH ANTARA BPJS KESEHATAN DAN RS RIDHOKA SALMA CIKARANG Sultan Antus Nasruddin; Salsabila Al-Hasni
JURNAL ILMIAH NUSANTARA Vol. 3 No. 2 (2026): Jurnal Ilmiah Nusantara Maret 2026
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jinu.v3i2.9143

Abstract

The DSN-MUI Fatwa No. 107/2016 requires Islamic hospitals to establish cooperation with Islamic financial institutions. However, in practice, collaborations between Islamic hospitals and BPJS Kesehatan (Indonesia’s national health insurance agency) are still common, raising concerns regarding the compliance of such agreements with Sharia principles and the reliance of Islamic hospitals on conventional institutions. This study aims to analyze the contractual mechanism applied in the cooperation between Ridhoka Salma Islamic Hospital and BPJS Kesehatan and to evaluate its conformity with DSN-MUI Fatwa No. 107/2016 and Fatwa No. 98/2015. A qualitative case study approach was employed, collecting primary data through interviews with the Sharia Committee and hospital management, as well as direct observation of BPJS patient services, and secondary data from fatwas, regulations, agreements, books, and scholarly articles. The findings reveal that the cooperation is conducted through an Ijarah ‘ala al-A‘mal contract, which restricts the scope of transactions to services directly managed by the hospital. Sharia compliance is maintained through the mechanism of takhsis, grounded in the principles of ḥājjah ‘āmmah, maṣlaḥah mursalah, and ḥifẓ al-nafs, supported by active supervision of the Sharia Supervisory Board and mitigation of potential non halal revenues. Therefore, the cooperation can be considered compliant with Sharia principles as stipulated in the DSN-MUI fatwas.
PENDAMPINGAN AKAD DALAM PENYUSUNAN PRODUK SYARIAH PADA PENDIRIAN KOPERASI IIQ JAKARTATINJAUAN NORMATIF ATAS DESAIN PRODUK, DOKUMEN AKAD, DAN TATA KELOLA KELEMBAGAAN Sultan Antus Nasruddin; Sultan Antus Nasruddin Mohammad
DEVELOPMENT: Journal of Community Engagement Vol. 4 No. 1 (2025): Maret
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/evns6e42

Abstract

This article discusses the importance of sharia contract mentoring (pendampingan akad) in developing sharia products during the establishment phase of the IIQ Jakarta Cooperative. The primary focus is to ensure that the institutional design, types of services, contract documents, and operational procedures of the cooperative align with sharia principles and prevailing positive law. The method utilized is a normative-juridical approach, examining laws and regulations, the fatwas of the National Sharia Board of the Indonesian Council of Ulama (DSN-MUI), and relevant academic works concerning the practices of sharia cooperative products. The results indicate that sharia contract mentoring should not be understood merely as selecting Arabic terminology for a product, but rather as a process of aligning members' needs, transaction characteristics, risk-sharing, profit mechanisms, agreement documents, and sharia supervision. During the establishment phase, the products that are generally relevant to be developed include mudharabah-based deposits, syirkah or mudharabah-based business financing, murabahah-based goods financing, ijarah-based service financing, and qardh-based benevolent funds. This article asserts that contract mentoring from the initial establishment phase will minimize the risk of product deviations, clarify the rights and obligations of the parties involved, strengthen members' trust, and provide a sound foundation for the growth of campus-based sharia cooperatives.