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All Journal al-Afkar, Journal For Islamic Studies Al-Muamalat : Jurnal Ekonomi Syariah
Sofyan Al-Hakim
UIN Sunan Gunung Djati Bandung
Humanities Economics, Econometrics & Finance Social Sciences

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PENERAPAN JAMINAN TAMBAHAN PADA PEMBIAYAAN KUR DENGAN AKAD MURABAHAH BIL WAKALAH DI BANK BRI SYARIAH KCP SOREANG Mochamad Haikal Rachman; Sofyan Al-Hakim; Cucu Susilawati
Al-Muamalat: Jurnal Ekonomi Syariah Vol 8, No 1 (2021): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v8i1.14231

Abstract

Pembiayaan dalam Bank Syariah memiliki macam-macam produk penyaluran dana (pembiayaan) dengan berbagai macam pola, salah satunya adalah pembiayaan mikro  dengan pola jual beli (murabahah) yang diperuntukan kepada nasabah untuk memenuhi kebutuhan konsumsif. Tetapi dalam pembiayaan ini pihak bank meminta jaminan tambahan yang seharusnya tidak diwajibkan oleh Peraturan Menteri Keuangan nomor 135/PMK.05/2008  pasal 10 ayat (2) yang berisikan agunan tambahan bagi KUR mikro tidak diwajibkan.Berdasarkan hal tersebut, penelitian ini bertujuan untuk  mengetahui: 1.) Bagaimana prosedur jaminan tambahan pada pembiayaan mikro dengan akad Murabahah bil Wakalah di bank BRI Syariah KCP Soreang, 2.) Faktor apa saja yang mempengaruhi bank mensyaratkan adanya jaminan, 3.) Bagaimana jaminan tambahan dalam akad Murabahah bil Wakalah  dalam perspektif hukum ekonomi syariah.Penelitian ini menggunakan metode studi kasus.Dengan jenis data yang digunakan ialah jenis data kualitatif. Adapun pengumpulan datanya menggunakan teknik wawancara dan studi kepustakaan.Berdasarkan hasil penelitian, bahwa pada pelaksanaan pembiayaan mikro dengan menggunakan akad Murabahah bil Wakalah  dan adanya jaminan tambahan pada pembiayaannya diperbolehkan dikarenakan sebagai faktor akan kembalinya modal, tetapi dilihat dari kinerja nasabah sudah sesuai dengan perjanjian di awal dengan pihak nasabah agar tidak terjadinya moral hazard yang berupa penyimpangan dari pengolahan dana itu sendiri. Pada pasal 23 Undang-undang No. 21 Tahun 2008 menegaskan bahwa adanya norma agunan. Prinsip adanya agunan dalam bank syariah dilihat dari adanya prinsip rahn dan kafalah dalam Islam, kaidah al-urf dan kaidah usuliyah-fiqhiyah. Selain itu dari pihak bank tersendiri melihat dari dana yang disalurkan merupakan dana masyarakat yang harus di awasi dengan sangat hati-hati dengan pertimbangan resiko dan moral hazard.
Legal Conceptual Comparative Analysis Sharia Economics Muhamad Maulana Darsono; Sofyan Al-Hakim; Iwan Setiawan
al-Afkar, Journal For Islamic Studies Vol. 6 No. 3 (2023)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v6i3.750

Abstract

In determining the law, the source of Islamic law is the most basic and significant instrument in the process of determining a particular law. In Islam, there are main sources of law, namely the Al-Quran and sunnah, although scholars from the mu'tazilah group believe that the main source of Islamic law is not the Al-Quran and sunnah but reason is more important. The difference in perspective is very interesting to be discussed in the field of comparative economic fiqh. The method of this paper is a study using normative juridical methods, with secondary data types and sources, collected by documentary methods and analyzed with descriptive qualitative, with the aim of finding differentiation and equality between the two different fiqh paradigms related to the sources of Islamic law used in determining a sharia economic law product.
Transactional Comparative Analysis of Ijarah and Al Ijarah Al Muntakiya Bit Tamlik in Islamic Banks Asep Dadang Hidayat; Sofyan Al-Hakim; Iwan Setiawan
al-Afkar, Journal For Islamic Studies Vol. 6 No. 4 (2023)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v6i4.762

Abstract

This research is to find out how ijarah and al-Ijarah al-Muntakiya bit Tamlik (IMBT) transactions are carried out in Islamic banks. The implementation of leasing transactions with ijarah schemes and IMBT in sharia bank products is in accordance with sharia principles. The implementation of ijarah transactions in Islamic banks refers to the provisions of the Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) and Supreme Court Regulation Number 2 of 2008 concerning Compilation of Sharia Economic Law (KHES). There is a comparison with the implementation of the transfer of ownership of the leased object to IMBT, the transfer of the object for lease can only be attempted if the ijarah contract has ended, the option for transferring the object for lease can be attempted by promise (wa'ad). buy and sell. So there are no provisions in the IMBT contract based on the transfer of object ownership by promise (wa'ad). grants, this issue is contradictory because there is a reward that must be given by the customer (mustajir) to the bank for the object of the IMBT contract.  
Comparative Analysis of Islamic Economics with Capitalism Chandra; Sofyan Al-Hakim; Iwan Setiawan
al-Afkar, Journal For Islamic Studies Vol. 6 No. 4 (2023)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v6i4.767

Abstract

This research discusses the concept of the Islamic economic system. The main objective of this study is to determine the relationship between Islam and the economy and how the pattern of Islamic regulation in the economic field, then the regulation of individuals in obtaining wealth. Is it true that the Islamic economic system is the only economic theory that can be expected as a light in the face of economic problems is an economic system that is able to create justice, the welfare of all parties, and the blessings of the world and the here after. Islamic economics in practice is inseparable from Islamic economic law. Islamic economic law that underlies the economic system is very different from the capitalist economic system.
Why Mudharabah Is Not Developing In Islamic Banking Lina Pusvisasari; Sofyan Al-Hakim; Iwan Setiawan
al-Afkar, Journal For Islamic Studies Vol. 6 No. 4 (2023)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v6i4.805

Abstract

Why mudharabah has not grown significantly in Islamic banking: Complexity and Risk: Mudharabah has a complex structure and involves profit sharing between the capital and the manager (mudharib). The success of mudharabah is highly dependent on the manager's ability to manage risk wisely. This can be challenging for Islamic banks as it requires specialized expertise in risk management and business evaluation. Uncertainty of Results: In mudharabah, business results cannot be guaranteed and may vary from time to time. This creates uncertainty for the capital party (shahib al-mal), especially if they want a fixed and stable return. This uncertainty may discourage investors and discourage the use of mudharabah on a large scale. Preference for Easier Instruments: Some Islamic banks prefer other financial instruments that are easier to implement, such as murabahah (sale and purchase with markup) or ijarah (lease). These instruments have simpler structures and are easier to understand, allowing banks to quickly offer products and services to their customers. Lack of Awareness and Understanding: Lack of awareness and understanding of mudharabah among the public and Islamic bank customers can also be a hindering factor. If customers do not have sufficient understanding of the concept and benefits of mudharabah, they may be reluctant to use products or services related to it. Unfavorable Rules and Regulations: Some rules and regulations in some countries may not provide sufficient support for the development of mudharabah in the Islamic banking industry. Certain legal ambiguities or regulatory constraints may hinder the freedom and flexibility in using mudharabah as a financial instrument. Slower Industry Development: The Islamic banking industry is still relatively young compared to conventional banking. While there has been significant growth in recent years, Islamic banking still faces challenges in achieving the same size and scale as conventional banking. This may also affect the wider adoption of mudharabah in the industry.
Co-Authors Asep Dadang Hidayat Chandra Cucu Susilawati Iwan Setiawan Lina Pusvisasari Mochamad Haikal Rachman Muhamad Maulana Darsono