Pandangan Fukaha Kontemporer Tentang Hukum Bermuamalah dengan Bank Syariah

Atep Hendang Waluya

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:

PDF

References


‘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

Creative Commons License
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.

width="127"   width="100" width="100" width="100" width="100"Road

Powered by Puskom-UMJ