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PERSPEKTIF FIKIH EKONOMI TERHADAP PELAKSANAAN AKAD ÔÇ£UTANG PIUTANGÔÇØ PADA PERBANKAN SYARIAH DI SUMATERA BARAT

JURIS (Jurnal Ilmiah Syariah) · Vol. 14 No. 2 (2016) · pp. 184–196

DOI
10.31958/juris.v14i2.306
ISSN
2580-2763, 1412-6109
Published
2016-10-18
Publisher
Universitas Islam Negeri Mahmud Yunus Batusangkar
Language
id
License
creativecommons.org/licenses/by-nc-nd/4.0

Abstract

This study was purposed at identifying the various transactions in Islamic banking of West Sumatera were categorized on the ÔÇ£debtsÔÇØ; describing the implementation of the transaction; and analyzing the various transactions were based on the economic fiqh perspective. This study belongs to qualitative case study by using in-depth interviews as research instrument. The data were analyzed qualitatively based on the economic fiqh perspective, Al-Qur'an, Sunnah, Ijtihad the scholars, and the Fatwa of National Sharia Council (DSN) and Indonesian Council of Scholars (MUI). The results of this study revealed that the types of transactions were categorized ÔÇ£debtsÔÇØ was murabahah, qardh (bailout pilgrimage), hiwalah, and rahn (pawning gold). Murabahah was presented on all Islamic Bank but not all transactions on Islamic banking of West Sumatera based on the economic fiqh perspective such the calculation of the margin murabahah based on the amount of banks financing. Then the calculation of ujrah on the bailout pilgrimage was still based on the amount of bail. Furthermore, the calculation of ujrah on pawning gold was not based on the calculation of the treatment period but to the amount of ÔÇ£debtÔÇØ funds. The conclusion was the implementation of the ÔÇ£debtsÔÇØ contract in Islamic banking of West Sumatera not run well as the economic fiqh perspective. Kata kunci: akad ÔÇ£utang piutangÔÇØ, perpektif fikih ekonomi, perbankan syariah, Sumatera Barat

Collaboration network of the authors

8 authors · 18 co-authorship links

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Co-authorOrganisationJoint articles
Elsy RenieAffiliation unknown3
Ifelda NengsihAffiliation unknown2
David DavidAffiliation unknown1
Nofrivul NofrivulAffiliation unknown1
Indra JayaAffiliation unknown1
Husein 'Azeemi Abdullah ThaidiAffiliation unknown1
Ummi Annis binti YusofAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://ejournal.uinmybatusangkar.ac.id/ojs/index.php/Juris/oai, first harvested 7 Nov 2026, last seen 8 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="id">PERSPEKTIF FIKIH EKONOMI TERHADAP PELAKSANAAN AKAD ÔÇ£UTANG PIUTANGÔÇØ PADA PERBANKAN SYARIAH DI SUMATERA BARAT</dc:title>
	<dc:creator xml:lang="id">ISKA, SYUKRI</dc:creator>
	<dc:description xml:lang="id">This study was purposed at identifying the various transactions in Islamic banking of West Sumatera were categorized on the ÔÇ£debtsÔÇØ; describing the implementation of the transaction; and analyzing the various transactions were based on the economic fiqh perspective. This study belongs to qualitative case study by using in-depth interviews as research instrument. The data were analyzed qualitatively based on the economic fiqh perspective, Al-Qur'an, Sunnah, Ijtihad the scholars, and the Fatwa of National Sharia Council (DSN) and Indonesian Council of Scholars (MUI). The results of this study revealed that the types of transactions were categorized ÔÇ£debtsÔÇØ was murabahah, qardh (bailout pilgrimage), hiwalah, and rahn (pawning gold). Murabahah was presented on all Islamic Bank but not all transactions on Islamic banking of West Sumatera based on the economic fiqh perspective such the calculation of the margin murabahah based on the amount of banks financing. Then the calculation of ujrah on the bailout pilgrimage was still based on the amount of bail. Furthermore, the calculation of ujrah on pawning gold was not based on the calculation of the treatment period but to the amount of ÔÇ£debtÔÇØ funds. The conclusion was the implementation of the ÔÇ£debtsÔÇØ contract in Islamic banking of West Sumatera not run well as the economic fiqh perspective. Kata kunci: akad ÔÇ£utang piutangÔÇØ, perpektif fikih ekonomi, perbankan syariah, Sumatera Barat</dc:description>
	<dc:publisher xml:lang="en">Universitas Islam Negeri Mahmud Yunus Batusangkar</dc:publisher>
	<dc:date>2016-10-18</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://ejournal.uinmybatusangkar.ac.id/ojs/index.php/Juris/article/view/306</dc:identifier>
	<dc:identifier>10.31958/juris.v14i2.306</dc:identifier>
	<dc:source xml:lang="en">JURIS (Jurnal Ilmiah Syariah); Vol. 14 No. 2 (2015); 184-196</dc:source>
	<dc:source xml:lang="id">Juris; Vol 14 No 2 (2015); 184-196</dc:source>
	<dc:source>2580-2763</dc:source>
	<dc:source>1412-6109</dc:source>
	<dc:source>10.31958/juris.v14i2</dc:source>
	<dc:language>id</dc:language>
	<dc:relation>https://ejournal.uinmybatusangkar.ac.id/ojs/index.php/Juris/article/view/306/304</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2016 SYUKRI ISKA</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by-nc-nd/4.0</dc:rights>
</oai_dc:dc>