Tafsir Maqashid Ayat-Ayat Al-Qur’an dalam Fatwa DSN-MUI No. 153/DSN-MUI/VI/2022 Tentang Pelunasan Utang Pembiayaan Murabahah Sebelum Jatuh Tempo
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Abstract
The fatwas issued by the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) serve as vital instruments for the developing of Sharia economics and finance in Indonesia. One notable example is Fatwa No. 153/DSN-MUI/VI/2022, addressing early repayment of murabahah financing debt before its due date. This fatwa represents DSN-MUI's efforts to align Sharia principles with modern market realities while upholding justice and public benefit. Central to the fatwa's formulation is the Quranic foundation, particularly regarding justice, honesty, and fulfillment of contracts. Wahbah Az-Zuhaili's maqashid-based interpretative approach offers a compelling framework for examining the fatwa, emphasizing its normative and practical dimensions with a focus on the community's well-being. This study employs a qualitative methodology through library research, integrating a normative-philosophical analysis. Using Wahbah Az-Zuhaili's tafsir maqashid, it explores the interconnection between Quranic values, such as justice and the prohibition of exploitation, and the principles embedded in Fatwa No. 153/2022. The findings reveal the fatwa's maqashid principles, including fairness, prevention of gharar (uncertainty), and economic pragmatism, such as incentivizing early debt repayment while safeguarding institutional interests. This analysis underscores the integration of Sharia law into contemporary financial regulations, highlighting its capacity to balance individual and institutional interests. The study provides valuable insights into the broader discourse of Islamic legal reasoning and its application in modern Sharia financial practices.
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