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All Journal Al-Ahwal: Jurnal Hukum Keluarga Islam Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Al Irsyad: Jurnal Studi Islam Al Barakat: Jurnal Kajian Hukum Ekonomi Syariah IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah AT-TAISIR: Journal of Indonesian Tafsir Studies Journal of Islamic Business Management Studies (JIBMS) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Al-Kainah: Journal of Islamic Studies Journal of Ekonomics, Finance, and Management Studies Hikamuna: Jurnal Kajian Hukum Islam
Fakhry Fadhil
Sekolah Tinggi Ilmu Syari'ah Nahdlatul Ulama (STISNU) Nusantara Tangerang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Social Sciences Other

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Analisis Akad Hibah Terhadap Surplus Underwriting Dana Tabaru Pada Asuransi Syariah Fakhry Fadhil; Oyo Sunaryo Mukhlas; • Burhanuddin
Journal of Islamic Business Management Studies (JIBMS) Vol. 6 No. 2 (2025): Journal of Islamic Business Management Studies (JIBMS)
Publisher : Institut Daarul Qur'an Jakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51875/jibms.v6i2.800

Abstract

Surplus underwriting merupakan hal yang sering terjadi dalam pengelolaan dana tabarru’ pada lembaga asuransi syariah dan menjadi salah satu aspek penting dalam praktik asuransi berbasis syariah. Surplus underwriting dalam praktiknya menggunakan akad hibah, di mana akad hibah dipahami sebagai pemberian sukarela dari peserta dengan tujuan tolong-menolong di antara sesama peserta, akan tetapi apabila terdapat surplus underwriting pada dana tabarru maka dana akan di kembalikan kepada peserta asuransi, praktik ini sudah melanggar dari prinsip-prinsip akad hibah.  padahal hal ini menjadi salah satu dasar utama yang membedakan asuransi syariah dengan asuransi konvensional. Penelitian ini menggunakan metode studi pustaka dengan pendekatan normatif, mengkaji teori-teori, konsep akad, serta fatwa DSN-MUI terkait penerapan akad hibah dalam dana tabarru’, termasuk permasalahan surplus underwriting yang muncul di lapangan. Hasil kajian menunjukkan bahwa akad hibah pada dana tabarru’ memiliki dasar hukum yang sah menurut syariah, namun dalam implementasinya perlu pengelolaan yang berhati-hati agar tetap sesuai dengan prinsip keikhlasan, keadilan, transparansi, serta terhindar dari unsur gharar dan maisir yang dilarang dalam syariah. Kajian ini diharapkan dapat memberikan kontribusi ilmiah dalam memperkaya pemahaman mengenai akad hibah dalam pengelolaan dana tabarru’, serta menjadi rujukan bagi pengembangan praktik asuransi syariah yang sesuai dengan maqashid syariah untuk memberikan perlindungan serta keberkahan bagi umat.
Peran Fatwa dalam Menyusun Qanun: Tinjauan Fiqh dan Implikasinya dalam Praktik Hukum Ai Reni Ratnasari; Fakhry Fadhil
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 4 No. 1 (2025): Volume 4 Nomor 1 Tahun 2025
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v4i1.81

Abstract

The main issue in this study is how the role of fatwa in the process of drafting qanun, as well as its implications in legal practice, especially in the context of the relationship between fiqh, fatwa, and qanun. The purpose of this study is to analyze the interaction between fiqh, fatwa, and qanun in the Islamic legal system, as well as to explore how fatwa can influence legal policies in line with Islamic principles. The research method used is a qualitative approach through literature study analysis and case studies, focusing on the application of fatwa in qanun, particularly in Indonesia. The main results achieved show that fiqh provides the basis for issuing practical fatwas, which then become the basis for drafting qanuns. Although fatwas are not legally binding, they have an important role in shaping public policy, influencing social norms, and providing legitimacy to legislation based on Islamic principles, as seen in MUI fatwas related to zakat and halal products. However, the implementation of fatwa in qanun faces major challenges, such as constitutionality, public acceptance, and the low level of fatwa socialization. 
The Concept of Halal as the Foundation for the Development of the Halal Industry in Islamic Economic Law Fakhry Fadhil; Muflih Adi Laksono; Nurrohman Nurrohman
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 5 No. 1 (2026): Volume 5 Nomor 1 Tahun 2026
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v5i1.275

Abstract

The concept of halal was initially understood as a religious provision related to what is permissible for Muslims to consume. However, over time, the meaning of halal has expanded significantly and is no longer limited to the aspect of consumption alone. Halal has developed into a broader value system that encompasses various economic activities, including production, distribution, and consumption of goods and services. This development has led to the emergence of the halal industry, which integrates Islamic principles into various sectors such as food, pharmaceuticals, cosmetics, fashion, finance, and tourism. This study aims to analyze the concept of halal as a foundation for the development of the halal industry from the perspective of Islamic economic law. The research employs a normative approach using a literature study method by examining Islamic legal sources, including the Qur’an, hadith, fiqh literature, and regulations related to halal product assurance. The findings indicate that the concept of halal is not only related to the legal permissibility of products but also reflects values of justice, transparency, cleanliness, and public welfare in economic activities. In Indonesia, the development of the halal industry is supported by regulations through Law No. 33 of 2014 on Halal Product Assurance, implemented by Halal Product Assurance Organizing Agency with the involvement of Indonesian Ulema Council in determining halal fatwas.
Co-Authors Adinata, Uslan Adudin Alijaya Ahkmad Baizuri Ahmad Fathonih Ahmad Ropei Ai Reni Ratnasari Ajeng Anggun Chaerliawati Anggi Irawan Asep Mustofa Kamal Dara, Ravi Debi Larasati Fachry Abda El Rahman Fitry Primadona Habibi Zaman Riawan Ahmad Hakim, Atang Abdul Hasan, Muhammad Zaki Akhbar Lailatul Qadariyah Marjuki Marwata Masrukin Muflih Adi Laksono Muhamad Awaluddin Muhammad Zaki Akhbar Hasan Mukhlas, Oyo Sunaryo Mulkan Mahendra Yuda Sungkawa Nunung Lasmana Nurrohman Nurrohman Oyo oyo sunaryo mukhlas Rahmat Fauzi Ropei, Ahmad Siti Zahra Sofian Sofian Al hakim Syahri Fahriyah Tri Kusuma Dewi Uum Ummul Muhimmah Wong, Lucas Zahwa Khoirunnisa Zulfa, Fitria • Burhanuddin