Pandangan Fukaha Kontemporer Tentang Hukum Bermuamalah dengan Bank Syariah
Abstract
The current performance of Islamic banking is quite encouraging, but for the market share of Islamic banking, which is currently still relatively small, even though the majority of Indonesia's population is Muslim. Knowledge or literacy has a significant influence on people's interest in muamalah with Islamic banks. This paper tries to describe contemporary jurists' views regarding the law dealing with Islamic banks. Contemporary jurists allow muamalah with Islamic banks because deposits in Islamic banks are built on the principle of mudaraba and there is no usury on it, this is as expressed by Wahbah al-Zuhaylī, usāmuddīn 'Afānah, al-Dubyān, Al-Qarḍāwī, Islam Web, Ibn Bāz, Dāirat al-Iftā and DSN MUI. According to DSN MUI wadiah or deposits in Islamic banks are yad dhamānah not yad amanāh and according to Adiwarman Karim Islamic banks are allowed to give bonuses to customers if they are not required in advance, i.e. the gift is a voluntary gift given by the bank as its policy. According to contemporary fukaha, the law of saving in Islamic banks can be recommended in order to implement and enforce Islamic values
Full Text:
PDFReferences
‘Afānah, Ḥusāmuddīn bin Mūsā. (2009). Yas’alūnaka ‘an al-Mu’āmalāt al-Māliyyah al- Mu’āṣirah. al-Maktabah al-‘Ilmiyyah wa Dār al-Ṭayyib.
al-Dubyān, D. bin M. (2012). Al-Mu’āmalāt al-Māliyyah Aṣalah wa Mu’āṣirah. Riyad
Fihrisah Maktabah al-Malik Fahd.
Dāirat al-Iftā, D. al-Iftā. (2012). Mā Ḥukmu al-Ta’āmul Ma’a al-Bank al-Islāmī.
https://aliftaa.jo/Question.aspx?QuestionId=2378#.Yy-Qv0xBzIU
DSN MUI, D. M. (2006). Himpunan Fatwa Dewan Syariah Nasional MUI. DSN MUI.
Fauzy, T. O., Purwadi, A., & Hakim, R. (2019). Analisis Pengetahuan tentang
Perbankan Syariah Santri Pondok Pesantren Al-Ittihad Mojokerto dan Pengaruhnya
terhadap Minat Menabung di Bank Syariah. Iqtishodia: Jurnal Ekonomi Syariah, 4(2),
–206. https://doi.org/10.35897/iqtishodia.v4i2.230
al-Fayyūmi, A. bin M. (2006). Al-Miṣbāh al-Munīr. Dār al-Ma’ārif.
Firdiana, E., & Fikriyah, K. (2021). Pengaruh Literasi Ekonomi Syariah terhadap Minat
Mahasiswa Menabung di Bank Syariah. Jurnal Ekonomika dan Bisnis Islam, 4(1), 99–
https://doi.org/10.26740/jekobi.v4n1.p99-109
al-Ghufaylī, ‘Abdullāh bin Manṣūr. (2009). Nawāzil al-Zakāh. Dār al-Maymān.
Dār al-Thaqafah.
Hidayat, A. R., & Trisanty, A. (2020). Analisis Market Share Perbankan Syariah di
Indonesia. At-Taqaddum, 12(2), 183–200.
Ibn Bāz, A. al-A. bin A. (n.d.). Ḥukm al-Ta’āmul ma’a al-Banūk al-Islāmiyyah. Retrieved
September 24, 2022, from https://binbaz.org.sa/fatwas/6213/
Ibn Rushd, A. al-W. M. (2010). Bidāyat al-Mujtahid Wa Nihāyat al-Muqtaṣid. Dār al-Kutub
al-Islāmiyyah.
Islam Web, I. W. (2001). Lā Wajha li al-Muqāranah Bayna Arbāḥ al-Banūk al-Islāmī wa
Fawāid al-Bank al-Ribawiyyah. https://www.islamweb.net/ar/fatwa/8114
Islam Web, I. W. (2017a). Al-Īdā’ fī al-Bank al-Islāmī Wa Akhd al-‘Āid al-Māli.
https://www.islamweb.net/ar/fatwa/366577
Islam Web, I. W. (2017b). Raṣādāt Hawl al-Banūk al-Islāmiyyah wa Mu’āmalātuhā wa
Arbāḥuhā. https://www.islamweb.net/ar/fatwa/350713
Karim, A. (2014). Bank Islam Analisis Fiqih dan Keuangan. PT RajaGrafindo.
Al-Kubbī, M. S. (2002). Al-Mu’āmalah al-Māliyyah al-Mu’āṣirah. al-Maktab al-Islāmī.
Kementrian Urusan Agama dan Wakaf Kuwait. (1992). Al-Mawsū‘ah al-Fiqhiyyah al-
Kuwaytiyyah. Dār al-Salāsil.
Khotimah, N. (2018). Pengaruh Religiusitas, Kepercayaan, Citra Perusahaan, Dan Sistem
Bagi Hasil Terhadap Minat Nasabah Menabung Dan Loyalitas Di Bank Syariah Mandiri (Studi Kasus Pada Nasabah Bank Syariah Mandiri Gresik). Jurnal Ilmu Ekonomi & Manajemen, 5(1), 37–48. https://doi.org/10.30996/jmm17.v5i01.1712
Kusmara, J. (2022). Pengaruh Religiusitas, Edukasi Terhadap Minat Menabung Santri Di
Bank Syariah (Studi MA Pondok Pesantren Darussalam Batumarta VI Oku Timur)
[Skripsi]. UIN Raden Intan.
Al-Mutrik, ‘Umar ‘bin Abd al-Azīz. (2003). Al-Ribā wa al-Mu’āmalah Al-Maṣrifiyyah. Dār
al-‘Āṣimah.
Mintarja, E., Wahab, A. A., & Masduki, U. (2017). Hubungan Pengajaran Mata Kuliah
Ekonomi Islam terhadap Minat Mahasiswa Menabung di Bank Syariah. Hayula:
Indonesian Journal of Multidisciplinary Islamic Studies, 1(2), 189–208.
https://doi.org/DOI: https://doi.org/10.21009/hayula.001.2.04
Ningsih, S. (2021). Dampak Dana Pihak Ketiga Bank Konvensional Dan Bank Syariah Serta
Pertumbuhan Ekonomi Di Indonesia. Penerbit Widina.
Nurrohmah, R. F., & Purbayati, R. (2020). Pengaruh Tingkat Literasi Keuangan Syariah dan
Kepercayaan Masyarakat terhadap Minat Menabung di Bank Syariah. Jurnal Maps
(Manajemen Perbankan Syariah), 3(2), 140–153.
https://doi.org/10.32627/maps.v3i2.135
Purnama, I. D. (n.d.). Wapres Nilai Market Share Perbankan Syariah Sangat Kecil. Retrieved
September 9, 2022, from https://www.idxchannel.com/syariah/wapres-nilai-market-
share-perbankan-syariah-sangat-kecil
al-Qarḍāwī, Y. (n.d.). Al-Ta’āmul Ma’a al-Banūk al-Islāmīyyah. Retrieved September 21,
, from https://www.al-qaradawi.net/node/3802
Shabīr, M. U. (2007). Al-Mu’āmalah al-Māliyyah al-Mu’āṣirah. Dār al-Nafāis.
al-Sālūs, ‘Ali Aḥmad. (1998). Al-Iqtiṣād al-Islāmī Wa al-Qaḍāyā al-Fiqhiyyah al-Mu‘āṣirah.
Sjahdeini, S. R. (2018). Perbankan Syariah: Produk-produk dan Aspek-Aspek Hukumnya.
Kencana.
Susanti, R. (2020). Pengaruh Pengetahuan, Religiusitas, Dan Lokasi Terhadap Minat
Menabung Mahasiswa Jurusan Hukum Ekonomi Syariah Iain Surakarta Di Bank
Syariah [Skripsi]. IAIN Surakarta.
Usman, R. (2022). Aspek Hukum Perbankan Syariah Di Indonesia. Sinar Grafika.
Al-Uthmānī, M. T. (2013). Buhūth Fī Qaḍāyā Fiqhiyyah Mu‘āṣirah. Wizārah al-Awqāf.
al-Zuhaylī, W. (2002). Al-Mu’āmalah al-Māliyyah al-Mu’āṣirah. Dār al-Fikr.
al-Zuhaylī, W. (2009). Tafsīr al-Munīr. Dār al-Fikr.
al-Zuhaylī, W. (2012). Mawsū‘ah al-Fiqh al-Islāmī Wa al-Qaḍāyā al-Mu‘āṣārah. Dār al-
Fikr.
DOI: https://doi.org/10.24853/ma.6.2.191-208
Refbacks
- There are currently no refbacks.
Copyright (c) 2023 Atep Hendang Waluya
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Copyright © 2019 by Faculty of Islamic Studies, University of Muhammadiyah Jakarta.
