IMPLEMENTASI AKAD AL-IJARAH AL-MAUSHUFAH FI AL-DZIMMAH SEBAGAI ALTERNATIF PEMBIAYAAN DI LEMBAGA KEUANGAN SYARIAH INDONESIA
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Keywords
Pembiayaan, Ijarah Maushufah Fi Dzimmah, Lembaga Keuangan Syariah, IMFZ
Abstract
The development of Sharia Banking in Indonesia has increased quite well, both from Assets, Third Party Funds (DPK), and Distributed Financing (PYD). Developments are caused by joint efforts to develop Islamic Banking in Indonesia. This can be seen from the commitment of the Indonesian Ulema Council (MUI) in guarding from the side of the availability of fatwa. One example of his fatwa is the DSN-MUI Fatwa NO: 101 / DSN-MUI / X / 2016 Tentang 101-Akad Al-Ijarah Al-Maushufah Fi Al-Dzimmah. But in practice, the contract used in Islamic Banking is still dominated by murabahah contracts. So the researcher feels it is important to examine how the role and implementation of the contract in products and services in Islamic banking. The researcher also discussed how the fiqh study of muamalah was about the al-Ijarah al-Maushufah Fi al-Dzimmah contract.
References
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Antonio, M. Syafii. Bank Syariah; Teori Dan Praktik. 1st ed. Jakarta: Gema Insani Press, 2001.
Dewan Syariah Nasional. Fatwa Dewan Syari’ah Nasional Nomor 101/DSN-MUI/X/2016 Tentang Akad Al-Ijarah Al-Maushufah Fi Al-Dzimmah, 2016.
Ellias, Muhd Ramadhan Fitri. Garis Panduan Syariah Dalam Aplikasi Ijarah Mawsufah Fi Dhimmah (Pajakan Hadapan) Dalam Perbankan. Bandar Seri Begawan, 2012. Accessed November 3, 2018.
Felix, Rega. Potensi Penerapan Al-Ijarah Al-Maushufah Fi Al-Dzimmah Oleh Perbankan Syariah, 2017.
Felix, Rega, and Lastuti Abubakar. “Application of Al-Ijarah Al-Maushufah Fi Al-Dzimmah for Infrastructure Project Financing in Indonesia.” Yuridika 35, no. 1 (October 21, 2019.
Ghuddah, Abdul Sattar Abu. “Practical Application of Al-Ijarah Al-Mawsufah Fi Al-Zimmah (Forward Ijarah).” In 30th Albaraka Symposium 2009, 1:1–36, 2009. Accessed October 20, 2018.
Huda, Nurul, and Mohamad Heykal. Lembaga Keuangan Islam: Tinjauan Teoritis Dan Praktis. Jakarta: Prenadamedia Group, 2010.
Kahf, Monzer. “Use of Usufruct Bonds in Financing Public Utilities.” In 4th Annual Meeting of the Fiqh Academy, 1–52, 1998.
Karim, Adiwarman A, and Oni Sahroni. Maqashid Bisnis Dan Keuangan Islam: Sintesis Fikih Dan Ekonomi. Jakarta: Rajawali Pers, 2015.
Istiqamah, M. "Analisis Struktur Modal Perbangkan Syariah Di Indonesia Tahun 2011-2015", Jurnal Penelitian, vol.14, no.2. 2017.
Mikail, Sa’id Adekunle. “The Fiqh Characterization of Ijārah Mawṣūfah Fī Al-Dhimmah : An Analysis of Juristic Views.” ISRA International Journal of Islamic Finance 5, no. 2. 2013.
Mohammad Monawer, Abu Talib, and Akhtarzaite Abd Aziz. “An Appraisal of Al-Ijarah Al-Mawsufah Fi Al-Dhimmah (Forward Ijarah) from Fiqh Perspective.” SSRN Electronic Journal. December 18, 2012.
Mugniati, Nia. “Akad Al-Ijarah Al–Maushufah Fi Al-Dzimmah (Studi Komparatif Madzhab Hanafi Dan Syafi’i).” UIN Sultan Maulana Hasanuddin Banten, 2018. Accessed October 25, 2018.
Nassar, Ahmed Mohammad Mahmoud. “The Parameters of Forward Ijarah and Its Application in Financing Services in Islamic Financial Institutions.” In 30th Albaraka Symposium 2009, 2009.
Nurrachmi, Rininta, Nawalin Nazah, Ummu Al Azizah, and Nurul Riddhaina. “The Islamic House Financing in Malaysia. Case Study of Leasing-I Line in HSBC Amanah” (2012). Accessed October 20, 2018.
Otoritas Jasa Keuangan. Kodifikasi Produk Dan Aktivitas Bank Umum Syariah Dan Unit Usaha Syariah, 2015.
———. Laporan Perkembangan Keuangan Syariah Indonesia 2017. Jakarta, 2017. Accessed November 5, 2018.
———. Snapshot Perbankan Syariah Indonesia. Jakarta, 2017.
———. Statistik Perbankan Syariah, 2017.
Rofaizal, Mohd, Bin Ibhraim, Maad Ahmad, and Muhammad Yosef Niteh. “Pembiayaan Pendidikan Melalui Akad Ijarah Mausufah Fi Zimmah (Pajakan Hadapan).” Persidangan Antarabangsa Sains Sosial & Kemanusiaan 2, no. 2 . 2017.
Talib, Abu, and Mohammad Monawer. “Dispute over the Legality of Al-Ijarah Al-Mawsufah Fi Al-Dhimah: A Survey of Fiqhi Opinions.” ISRA International Journal of Islamic Finance 7, no. 1 . 2015.
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Jul 9, 2020
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Author Biography
Nasrul Fahmi Zaki Fuadi, Universitas Islam Negeri (UIN) Walisongo Semarang
ORCHID ID:Â https://orcid.org/0000-0001-5176-632XGoogle Scholar Profile:Â https://scholar.google.co.id/citations?user=Ya-XkM8AAAAJ&hl=id
ResearchGate:Â https://www.researchgate.net/profile/Nasrul_Fahmi_Zaki_Fuadi
Sinta ID:Â 6030721