Praktik Murabahah Emas Pada Bank Syariah di Indonesia Berdasarkan Tinjauan Hukum Fiqih Muamalah

  • Dina Juni Marianti Ekonomi Islam, Manajemen Syariah, STEI Hamfara
  • Zulfa Rasyida Ekonomi Islam, Manajemen Syariah, STEI Hamfara
  • Ema Utami Ekonomi Islam, Manajemen Syariah, STEI Hamfara
Keywords: Gold investment, Islamic banks, Murabahah, fiqih muamalah

Abstract

Background. This study exists to examine the concept of investing or saving gold in Islamic banks which is carried out with the murabahah (buying and selling) financing model. Researchers found a problem, namely in the murabahah contract, and the gold payment mechanism which was carried out by means of fixed monthly installments.
Aim.
This paper aims to present the practice of gold murabahah at Bank Mandiri Syariah as an evaluation of the practice of saving gold with gold murabahah contracts in Islamic banks
Methods.
This study uses a comparative approach analysis method by analyzing the comparative law used by Islamic banks, namely the DSN MUI fatwa with a review of Fiqh muamalah according to the number of scholars. To explain this, the researcher uses a qualitative descriptive method with a muamalah fiqh approach, through this approach the researcher suggests how to practice according to the Shari'a.
Results.
The researcher found that there were differences of opinion among scholars regarding the concept of murabahah, and gold installments which the majority of scholars forbade it. Therefore, this study contributes to the analysis of the practice of saving gold in Islamic banks based on the fiqh muamalah review.

References

Ahmad B. Idris al-Qarafi, Al-Furuq aw Anwar al-Buruq fi Anwa' al-Furuk, ad. Khalil Mansur, 4 vol (Beirut: Dar al-Kutub al-'ilmiyya,1998),I,256.

Al-Sulaiti, Jabir, A. A. Ousama, and Helmi Hamammi. “The Compliance of Disclosure with AAOIFI Financial Accounting Standards: A Comparison between Bahrain and Qatar Islamic Banks.” Journal of Islamic Accounting and Business Research 9, no. 4 (2018): 549–566.

Al-Syaukani, Muhammad, Nailul Authar, cet : I, Mesir : Syirkah Maktabah al baby al-Halaby wa auladuhu, 1380H./ 1961 M, hal. 1061.

Cheong, Calvin W.H. “The Islamic Gold Dinar: A Hedge against Exchange Rate Volatility.” Managerial Finance 44, no. 6 (2018): 722–738.

Gundogdur, Ahmet Suayb. “Exploring Novel Islamic Finance Methods in Support of OIC Exports.” Journal of Islamic Accounting and Business Research 32, no. 10 (2016).

Karaman, K. Kıvanç, Şevket Pamuk, and Seçil Yıldırım-Karaman. “Money and Monetary Stability in Europe, 1300–1914.” Journal of Monetary Economics 115, no. xxxx (2020): 279–300.

Kholvadia, Faatima. “Islamic Banking in South Africa Form over Substance?” Meditari Accountancy Research 25, no. 1 (2017): 65–81.

Lebbe, Suhail Sinna, Azhar Mohamad, and Imtiaz Mohammad Sifat. “Back to the Future: Returning to Silver-Backed Money in Sri Lanka.” Journal of Islamic Accounting and Business Research (2018).

Liu, Guo Dong, and Chi Wei Su. “The Dynamic Causality between Gold and Silver Prices in China Market: A Rolling Window Bootstrap Approach.” Finance Research Letters 28, no. April (2019): 101–106. https://doi.org/10.1016/j.frl.2018.04.007.

Majma' al-Fiqhi al-Islami (Muslim World League) Organisation of Islamic Cooperation. 1986. Majallat majma' al-Fiqh al-Islami. Islamic law -- Periodicals, Islamic law -- Congresses -- Periodicals, Islam and politics -- Periodicals Jeddah: al-Majma' al-Fiqh al-Islami.

Mubyarto. “Mengatasi Krisis Moneter Melalui Penguatan Ekonomi Rakyat.” Jurnal Ekonomi dan Bisnis Indonesia 16, no. 2 (2001): 97–110.

Mulyana, Mumuh, Bambang Hengky Rainanto, Danti Astrini, and Ratih Puspitasari. “Persepsi Mahasiswa Atas Penggunaan Aplikasi Perkuliahan Daring Saat Wabah Covid-19.” JAS-PT (Jurnal Analisis Sistem Pendidikan Tinggi Indonesia) 4, no. 1 (2020): 47.

Noviany, Try Dini, Asep Ramdan Hidayat, and Eva Misfah Bayuni. “Tinjauan Fatwa DSN-MUI Nomor 04 Tahun 2000 Tentang Murabahah Terhadap Produk Tabungan Emas Di Pegadaian Syariah UPS Tubagus Ismail Review Of Fatwa DSN-MUI Number 04 Year 2000 Regarding Murabahah Towards Gold Savings Product In Islamic Pawnshop Of UPS Tuba.” keuangan dan perbankan syariah 4, no. 1 (2018).

Permata Wulandari and Niken Iwani Surya Putri, Salina Kassim, Liyu Adikasari Sulung. “Contract Agreement Model for Murabahah Financing in Indonesia Islamic Banking.” International Journal of Islamic and Middle Eastern Finance and Management 9, no. 2 (2016).

Roziq, Ahmad. “Pengaruh Etika Bisnis Islami Terhadap Kinerja Pembiayaan Mudharabah Melalui Informasi Asimetri Pada Bank Syariah Di Jawa Timur.” Jeam IX, no. 1 (2010): 56–69.

Singh, Narinder Pal, and Navneet Joshi. “Investigating Gold Investment as an Inflationary Hedge.” Business Perspectives and Research 7, no. 1 (2019): 30–41.

Suzuki, Yasushi, and S. M.Sohrab Uddin. “Recent Trends in Islamic Banks’ Lending Modes in Bangladesh: An Evaluation.” Journal of Islamic Accounting and Business Research 7, no. 1 (2016): 28–41.

Published
2022-09-05
How to Cite
Juni Marianti, D., Rasyida, Z., & Utami, E. (2022). Praktik Murabahah Emas Pada Bank Syariah di Indonesia Berdasarkan Tinjauan Hukum Fiqih Muamalah. At-Tahdzib: Jurnal Studi Islam Dan Muamalah, 10(2), 9-17. Retrieved from http://ejournal.kopertais4.or.id/mataraman/index.php/tahdzib/article/view/4891
Section
Articles