Penerapan Penetapan Jaza`ul Ihsan Pada Kontrak Pembiayaan Al-Qardhul Hasan Perspektif Ekonomi Islam

  • Rina Tri Puspita Sari Sekolah Tinggi Ekonomi dan Bisnis Islam Al-Anwar Bangkalan
  • Muhajir Muhajir Sekolah Tinggi Ekonomi dan Bisnis Islam Al-Anwar Bangkalan
Keywords: Jaza'ul ihsan, al-qardhul hasan product, financing contract, Islamic Economics.

Abstract

The journal entitled "The Application of Determination of Jaza'ul Ihsan on Al-Qardhul Hasan Financing Contracts with an Islamic Economic Perspective" is motivated by a draft contact in the application of financing for al-qardhul hasan products in several Islamic Financial Institutions, especially in KSPPS BMT NU in East Java which includes: contains the request for a jaza'ul ihsan fee (reciprocity) which is set at the beginning of the contract when the customer wants a loan with the product, so that at the time of repayment, the customer using the al-qardhul hasan product is required to pay off the loan fee according to the loan nominal and added with jaza'ul ihsan in accordance with the agreement in the contract. This study aims to analyze the application of the determination of jaza'ul ihsan to al-qardhul hasan financing contracts associated with several explanations, rules and opinions of experts on Islamic Economics in the hope of being a problem solving of every contract issue, especially in al-qarhul hasan financing products. The methodology or approach used in this paper uses a library research method or approach, while data collection is carried out by reviewing several books, journal and documents (both printed or electronic) as well as from several types of information or data sources that have been collected. relevant to the study. The results of this study conclude that the determination of jaza'ul ihsan on the al-qardhul hasan financing contract is contrary to the aims and objectives of al-qardhul hasan in Islamic Economics because the term al-qardhul hasan is not in fiqh muamalah but the rules are equated with will qard (debt). ) both in the provisions and rules described in the Qur'an, hadith or opinions of madhhabs and Islamic economists.

 Keywords: Jaza'ul ihsan, al-qardhul hasan product, financing contract, Islamic Economics

References

Al-Qur’an al-Karim
Hadits Riwayat Muslim Dalam Shahih Muslim
Kompilasi Hukum Ekonomi Syariah (KHES)
Fatwa DSN-MUI
Ascarya. (2008). Akad & Produk Bank Syariah. PT. Raja Grafindo Persada.
Hayyie al-kattani, A. dkk. (2011). Fiqih Islam Wa Adillatuhu jilid V, Terj. Gema Insani Darul Fikri.
Iska, S. (1999). Sistem Perbankan Syariah di Indonesia. ITB Press.
Mariah Ulfah, S. (2017). Implementasi Tugas Dewan Pengawas Syariah Terhadap Produk Pembiayaan Al-Qardhul Hasan di KSPPS BMT NU Jawa Timur. Universitas Trunujoyo Madura.
Muhammad. (2002). Manajemen Bank Syariah. Unit Penerbit dan Percetakan.
Nur Rianto Al-Arif, M. (2012). Lembaga Keuangan Syariah (A. Abbas (ed.); 1st ed.). CV. Pustaka Setia.
Remi Sjahdeini, S. (2014). Perbankan Syariah, Produk-produk dan Aspek-aspek Hukumnya. Kencana Prenada Media Group.
Rozalinda. (2016). Fikih Ekonomi Syariah (1st ed.). PT. Raja Grafindo Persada.
Sabiq, S. (2013). Fiqih Sunnah 5. Tinta Abadi Gemilang.
Syafi’i Antonio, M. (2001). Bank Syariah dari Teori ke Praktek. Gema Insani.
Published
2021-12-25
How to Cite
Tri Puspita Sari, R., & Muhajir, M. (2021). Penerapan Penetapan Jaza`ul Ihsan Pada Kontrak Pembiayaan Al-Qardhul Hasan Perspektif Ekonomi Islam. BISEI: Jurnal Bisnis Dan Ekonomi Islam, 6(2), 135-144. https://doi.org/10.33752/bisei.v6i2.1943
Section
Artikel