Nalar Hikmah Dalam Fatwa Dsn-Mui Tentang Ganti Rugi (Ta’widh)
Main Article Content
Abstract
In the context of Indonesia's economy and business, the practice of compensation (ta'widh) by Islamic financial institutions faces various issues and challenges. There are differing understandings and interpretations regarding the application of compensation in accordance with Sharia principles, with some views suggesting that the calculation methods and amounts of compensation are not yet fully compliant. This has led to dissatisfaction and controversy among customers. The practice of compensation is often misconstrued as a form of penalty, contradicting Sharia principles that prohibit usury. The goal of this study is to examine how Indonesian Islamic financial institutions have adopted the DSN-MUI fatwa on compensation, or ta'widh. The purpose of this qualitative study is to investigate the meanings and guiding principles of the fatwa provisions using a library research method and hikmah-based reasoning approach. Primary data is sourced from DSN-MUI fatwa documents, while secondary data includes academic literature. The analysis results indicate that the DSN-MUI fatwa effectively integrates the principles of hikmah, promoting justice, benefit, and adherence to Sharia. This fatwa enhances the implementation of ta'widh, ensuring consistency with core Sharia values, and contributes positively to the Islamic financial system. It is anticipated that the research findings would be used as a guide for Islamic financial institutions, regulators, and the general public in accurately implementing the fatwa in accordance with Sharia principles.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
Abu Mu’nis, Raid Nashri Jamil. “Al-Ta’lil Bi Al-Hikmah Wa Atsaruh Fi Qawa’id Al-Fiqh Wa Ushulih: Dirasah Ushuliyyah Wa Tahliliyyah.” Al-Jami’ah Al-Ardaniyyah, 2001.
Aiman, Shalih. “Al-’Illah Wa Al-Hikmah Wa Al-Ta’lil Bi Al-Hikmah : Dirasah Mushthalahiyyah.” Dar Al-Mandhumah 2, no. 31 (2017): 65–114.
al-Nadawiy, Ali Ahmad. Mausu’ah Al-Qawa’id Wa Al-Dhawabith Al-Fiqhiyah Al-Hakimah Li Al-Mu’amalat Al-Maliyah Fi Al-Fiqh Al-Islamiy. Riyadh: Dar ’Alam al-Ma’rifah, 1999.
al-Suyuthiy, Jalal al-Din ‘Abd al-Rahman. Al-Asybah Wa Al-Nazha’ir Fi Qawa’id Wa Furu’ Al-Syafi’iyah. Kairo, Mesir: Dar al-Salam, 2004.
Aliya Putri Fitria Nuryanti, Panji Adam Agus Putra, and Redi Hadiyanto. “Tinjauan Fatwa DSN-MUI No: 129/DSN-MUI/VII/2019 Terhadap Pengenaan Ta’widh Kepada Pelaku Usaha Jasa Pembuatan Yasin (Studi Kasus Jaya Mandiri Offset Pagarsih Bandung).” Bandung Conference Series: Sharia Economic Law 3, no. 2 (August 4, 2023). https://doi.org/10.29313/bcssel.v3i2.7557.
Aswita, Yessi. “Denda Harta Terhadap Keterlambatan Perlunasan Hutang Dalam Pendekatan Fiqh Muamalah.” Ameena Journal 1, no. 3 (2023): 240. https://pkebs.feb.ugm.ac.id/2018/04/03/akadkontraktransaksi-dalam-syariah/.
Az-Zuhaili, Wahbah. Al-Mu’amalat Al-Maliyyah Al-Mu’ashirah. Damaskus: Dar Al-Fikr, 2002.
Dausat, Abu Al-Qashim Ali. Al-Fiqh Wa Al-Maslahah, Juz 1. Beirut, Lebanon: Dar Al-Ma’arif Al-Hikmiah, 2017.
Hanifuddin, Iza. “Ganti Rugi Perspektif Fiqh Ekonomi.” Muslim Heritage 5, no. 1 (2020). https://doi.org/10.21154/muslimheritage.v5i1.1959.
Husain, Walid bin. I’tibar Ma’alatul Af’al Wa Atsaruha Al-Fiqhi. Riyadh: Dar As-Salam, n.d.
Ibn Nujaim, Zainuddīn ibn Ibrahīm ibn Muḥammad. Al-Asybah Wa Al-Nadhair. Beirut, Lebanon: Dar al-Kutub Al-Ilmiyah, 1999.
Kamil, Abu Al-Qasim. “Al-Ta’lil Bi Al-Hikmah ’inda Al-Ushuliyyin.” Kairo, Mesir, 2022.
Maryati, Tri, Muhamad Subhi Apriantoro, and Ahmad Imam Hambali. “Ta’zir and Ta’widh as Approach Strategies to Overcome Customer Moral Hazard.” In URECOL : University Research Colloqium, 85–95. Konsorsium LPPM PTMA, 2022.
Mashilihi, Abd Al-Fattah bin Muhammad. Jami’ Al-Masa’il Wa Al-Qawa’id Fi ’Ilm Al-Ushul Wa Al-Maqashid, n.d.
Muheramtohadi, Singgih. “Peran Lembaga Keuangan Syariah Dalam Pemberdayaan UMKM Di Indonesia.” Muqtasid: Jurnal Ekonomi Dan Perbankan Syariah 8, no. 1 (June 1, 2017): 65. https://doi.org/10.18326/muqtasid.v8i1.65-77.
Prawira, Ilham Abdi. “Kompensasi Ganti Rugi Bunga Dalam Perspektif Hukum Islam.” Supremasi Hukum: Jurnal Kajian Ilmu Hukum 11, no. 1 (2022): 2022. https://ejournal.uin-suka.ac.id/syariah/Supremasi/.
Qudamah, Ibn. Raudhatun Nadhr Fi Ilm Ushul. Mesir: Dar Al-Ashashah, 1988.
Syaifullah, Hamli. “Ta’widh Dan Ta’zir Persepektif Mufassir Klasik Dan Implementasinya Di Bank Syariah.” MALIA: Journal of Islamic Banking and Finance 5, no. 1 (July 1, 2021): 27. https://doi.org/10.21043/malia.v5i1.10196.
Zuhaifi, Ahmad, Mohammad Romli, Stei Masyarakat, and Madani Pamekasan. “Penerapan Sanksi Denda Keterlambatan Pembayaran Pada Akad Murabahah Di Pt. Bprs Sarana Prima Mandiri Pamekasan.” Ekomadania : Journal of Islamic Economic and Social 3, no. 1 (2019).