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All Journal al-Afkar, Journal For Islamic Studies Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Asep Dadang Hidayat
STAI Daarut Tauhiid
Economics, Econometrics & Finance Social Sciences

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Implementasi Multi Akad Dalam Transaksi Ekonomi Syariah Setiadi Setiadi; Asep Dadang Hidayat; Moh. Asep Zakariya Ansori; Mohamad Anton Athoillah
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i2.3635

Abstract

The renewal of muamalah contracts is very important for the development of more dynamic, progressive and innovative Islamic banking products, so that they can compete with existing conventional banking products. The purpose of this study was to examine the legal basis and design of these multiple contracts and their application in Islamic banking products. The method used in this research is library research. with research. The results of this study are that one of the constructive efforts that is very helpful in developing Islamic banking products is al-jam'u bainal uqud/multi contract, this is a new contract that has never been discussed in classical fiqh books. Scholars allow these multiple contracts as long as they do not violate Islamic principles and values ​​because the purpose of the contracts is to clarify rights and obligations and avoid tyranny that leads to the benefit of humans in this world and the hereafter. Multi contracts in musyarakah mutanaqishah products, namely, syirkah, ijarah, and buying and selling, these contracts form one product, in ijarah Muntiyah bit-tamlik, namely wa'd contracts (promises), ijarah and buying and selling also form one product. These contracts become integrated or there is ta'alluq or attachment and linkages between contracts. Keywords: Multi Contract, Musyarakah Mutanaqisah, Ijarah Muntakiya Bit-Tamlik
Basic Conception of Microeconomics Based on Sharia Economic Law Paradigmatics Asep Dadang Hidayat; Chandra; Mohamad Anton Athoillah
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.v6i3.708

Abstract

Islamic economics is believed to be a science that comes as an alternative to conventional economics that has failed to build human welfare in general. The discipline of conventional economics is allegedly the biological child of the vacuum and there is no role of Islamic science in its historical development as stated by Schumpeter in his great gap. Scientists firmly argued that the Greek-Hellenistic science to the hands of the modern European intelligentsia today the goodness of Muslim hands that modify it and give added value to it as stated by Mehdi Nakosteen. Therefore, it is important to trace the existence of conventional economic conceptions in classical Islamic literature. To prove that Conventional Economics does not depart from a vacuum and that Islamic Economics is part of the history of the birth of conventional economics. In some classical Islamic sources found some basic concepts of conventional economics that are not only similar but also exactly the same as a whole. In classical Islamic literature found basic concepts such as unlimited human needs, the concept of value, the concept of production, the theory of supply and demand, market price mechanisms and others. Thus this shows evidence for us that Islamic economics is not a "new" thing that never existed in the history of the development of science. Even the science of Islamic Economics has existed before the birth of Conventional economics though.
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.  
Co-Authors Chandra Iwan Setiawan Moh. Asep Zakariya Ansori Mohamad Anton Athoillah Setiadi Setiadi Sofyan Al-Hakim