The jarah contract in Indonesia is regulated by various regulations, such as the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) and regulations from the Financial Services Authority (OJK). The fatwa and regulations are the references in the practice of contracts in Islamic financial institutions, one of which is Islamic banking. There may be a discrepancy between the practice of Islamic banking contracts and existing regulations. Therefore, this paper aims to analyze the harmonization between ijarah contract regulations in Indonesia and Islamic banking practices. This article is legal research that uses a normative juridical approach. The sample used in this study is the Indonesian Islamic Bank (BSI). The data analysis technique uses several steps, namely reducing or focusing data, presenting data, and drawing conclusions. The study results indicate that Islamic banking, namely, in this case, is BSI implementing the ijarah contract as one of the contracts used in the financing process. Several regulate ijarah contracts in Islamic Financial Institutions (LKS). The various regulations governing the ijarah contract refer to fiqh muamalah, which are then compiled and transformed into several regulations such as the DSN-MUI fatwa and OJK regulations. From the analysis of the implementation of the ijarah contract at BSI, there are no significant problems with the DSN-MUI fatwa and OJK regulations regarding the ijarah contract.Abstrak: Implementasi akad ijarah di Indonesia diatur dalam berbagai peraturan dari pihak pemangku kepentingan seperti fatwa Dewan Syariah Nasional Mejelis Ulama Indonesia (DSN-MUI) dan regulasi dari Otoritas Jasa Keuangan (OJK). Fatwa dan regulasi tersebut menjadi kiblat dalam praktik implementasi akad di lembaga keuangan syariah yakni salah satunya di perbankan syariah. Tidak menutup kemungkinan terdapat ketidaksesuaian antara praktik akad di perbankan syariah dengan regulasi yang ada. Oleh karenanya, tulisan ini bertujuan untuk menganalisis harmonisasi antara regulasi akad ijarah di Indonesia dengan praktik di perbankan syariah. Artikel ini merupakan sebuah penelitian hukum yang menggunakan pendekatan yuridis normative. Sampel yang digunakan dalam penelitian ini adalah Bank Syariah Indonesia (BSI). Adapun teknik analisis datanya menggunakan beberpa langkah yaitu teknik mereduksi atau memfokuskan data, penyajian data, dan menarik sebuah kesimpulan. Hasil penelitian menunjukkan bahwa perbankan syariah yakni dalam hal ini adalah BSI menerapkan akad ijarah menjadi satu di antara akad yang digunakan dalam proses pembiayaan. Terdapat beberapa yang mengatur akad ijarah dalam Lembaga Keuangan Syariah (LKS). Berbagai regulasi yang mengatur akad ijarah tersebut mengacu pada fiqh muamalah yang kemudian diformulasikan dan ditransformasikan menjadi beberapa regulasi seperti fatwa DSN-MUI dan regulasi OJK. Dari hasil analisis implementasi akad ijarah di BSI, tidak terdapat kesenjangan krusial dengan fatwa DSN-MUI dan regulasi OJK mengenai akad ijarah.
Islam upholds the principle of willing consent in marriage, prohibiting coercion, yet in the Lekuk Lima Puluh Tumbi Lempur Jambi community, forced marriages occur due to local customs, leading to negative consequences. The research method used was field research focusing on the Lekuk Lima Puluh Tumbi Lempur community, Jambi, Indonesia. The data obtained were analyzed and studied with Islamic law. The findings first show that the forced marriage occurs when a man and a woman return to the village after a late night. Second, factors behind these customary sanctions include religious, social and customary ones. Third, the impact of these customary sanctions is the occurrence of underage marriage and the resultant divorce. Fourthly, the marriage is contrary to Islamic law, because it involves coercion, even though the pillars of marriage are fulfilled, but the conditions of marriage are not fulfilled, so the law of marriage becomes fasid (broken). Therefore, as a consideration, if the sanction of forced marriage is carried out without regard to the cause, whether chronological or consensual, and age, but only based on customary coercion, then the customary sanction can cause more significant harm than benefit, so the custom must be abandoned.
This article is motivated by the rapid development of the intermediary business which is very much needed in the marketing mechanism. Intermediary in sharia economic law includes new contracts. However, in practice the use of intermediary contracts is schemed in other forms of contracts, such as in the DSN-MUI fatwa on intermediary. Therefore, this article will reveal the intermediary and application of the contract that occurs in it. This article is a study of sharia economic law by taking into account the fiqh of muamalah maliyyah as an analytical lens. Sources of data obtained in the form of primary data sources in the form of DSN-MUI fatwa and secondary data in the form of various scientific literature in the form of books and scientific journals. By using a normative juridical approach that is presented through a descriptive literature method, this study finds the fact that the application of intermediary contracts (wasathah) in sharia economic law can be discussed in wakalah bi al-ujrah, ju’alah and bai’ al-samsarah contracts. So that the use of one of these contracts will affect the mechanism for implementing the contract and the benefits obtained by the wasit party, namely in the form of ujrah from the wakalah bi al-ujrah contract, ju’l from the ju’alah contract and the margin from the excess of the bai’ al-samsarah contract. This shows that the wasathah contract is a contract scheme that adapts to the practices and needs of the community for intermediary services. The implementation of these contracts provides legal certainty in their implementation in accordance with sharia economic principles.
Two calendar systems are developing globally, namely the Syamsiyah system (solar system) and the Kamariah system (lunar system). The lunar system is a calendar used by Muslims and has utility in worship rituals based on the calendar period. Qur’an and Hadith have mentioned this completely, namely, one year consists of twelve months. This study aims to determine the determination of the beginning of the lunar month using the rukyat method and to determine the extent to which the implementation of the rukyat method can be accepted by the Indonesian people. The type of research in this article is qualitative research or also known as naturalistic research methods. The data analysis techniques used were condensation, data presentation, and drawing conclusions. The results of the study show that the rukyat method is one of the methods of determining the lunar month, which has been carried out since the time of the Prophet Muhammad p.b.u.h. and his companions, even today it is still used by Muslims around the world, including in Indonesia. Rukyat is a method of determining the beginning of the lunar month by paying attention to important matters and conditions. As for the obstacles of the sighting as determining the beginning of the lunar month, there are several factors, namely the eye of the observer, the shape of the new moon, weather, seeing, the height of the new moon, the distance of the bow and the observer’s psychology
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