Hilah dalam Produk Pembiayaan Syariah

(Evaluasi Skema Akad KPR Murabahah dan Gadai Syariah)

  • Izzatul Mardhiah Universitas Negeri Jakarta
Keywords: hilah; indikator hilah; parameter hilah; KPR murabahah; gadai syariah

Abstract

This article aims to evaluate the financing products of Islamic Financial Institutions that are suspected to contain hilah  (legal stratagem). This research uses library study with qualitative design through fiqh and Islamic finance approach. Based on some indicators and parameters of hilah, it is found that Murabahah scheme in Islamic mortgages and al-Rahn and al-Ijarah scheme in Islamic pawn contract were formulated by hilah methods, only Islamic mortgages can be categorized into permissible hilah, while the Islamic pawn included into impermissible one. Thus it can be determined also that Murabahah mortgage can be used for a limited period, and should be reformulated after the loss of a variety of technical barriers, otherwise Islamic Pawn product should be immediatedly  reformulated in line with the provisions of law and does not resemble the  interest based of conventional mortgage.

References

https://istadiyantha.files.wordpress.com/2012/10/gadai-syariah.pdf. (2012).
http://ekbis.sindonews.com/read/1060959/178/pertumbuhan-perbankan-syariah-melambat-1447310336. (2016, 01 21).
al-Shatibi, A. I. (1423 H/2002M), al-Muwafaqat fi Usul al-Shari’ah. Beirut: Dar al-Kitab al-‘Arabi.
al-Zuhaili, W. (2006). al-Mu‘amalat al-Maliyyah al-Mu‘asirah; Buhuth wa Fatawa wa Hulul. Beirut: Dar al- Fikr al-Mu‘asir.
Aryanto, Jusuf, A., & dkk. (2010). Laporan Auditor Independen dan Laporan Keuangan untuk Tahun-tahun yang Berakhir 31 Desember 2010 dan 2009. Jakarta: Perusahaan Umum Pegadaian dan Perusahaan Anak.
Ascarya. (2007). Akad & Produk Bank Syariah. Jakarta: Rajawali Press.
Devita, I. (2007). http://irmadevita.com/2007 /murabahah‎‎-menuju-pembiayaan-yang-murni-syariah/.
Ghozali, A. (2005). Serba-serbi Kredit Syariah; Jangan Ada Bunga di antara Kita. Jakarta: Elex Media Komputindo.
Hegazy. (n.d.). Fatwa and the Fate of Islamic Finance: A Critique of the Practice of Fatwa in Contemporary Islamic Financial Markets.
http://pasca.unisba.ac.id/akad-murabah}ah‎‎-dan-implementasinya-pada-syariah-dihubungkan-dengan-kebolehan-praktek-murabahah‎‎-menurut-para-ulama/.
http://www.ekonomisyariah.org/download/artikel/makalah% 20iaeimultiakad_hasanudin.pdf. (n.d.).
Karim, A. (2007). Bank Islam : Analisis Fiqh dan Keuangan. Jakarta: PT Raja Grafindo Persada.
Khir, M. F. (2010, November 10- 11). Parameter ‎‎Hiyal dalam‎ Kewangan Islam. Paper Muzakarah Cendikiawan Syariah Nusantara.
Lathif, A. A. (2012, Juli 2). Konsep dan Aplikasi Akad Murabahah pada Perbankan Syariah di Indonesia. Jurnal Ahkam, XII.
Mardhiah, I. (2004). Pelembagaan Gadai Syariah di Indonesia. Jakarta: UIN Jakarta.
Mardhiah, I. (2014). Prinsip Keadilan dalam Penetapan Biaya Ijarah di Pegadaian Syariah. Magelang: Ngudi Ilmu.
Nujaym, I. (1983). al-Ashbah wa al-Nazair. Damaskus: Dar al-Fikr.
Rahmatuloh, P. (2015). Akad Murabahah‎‎ dan ‎Implementasinya pada Bank ‎Syariah.
Sam, H. M. (2006). Himpunan Fatwa Dewan Syariah Nasional MUI. Jakarta: DSN-MUI dan BI.
Taimiyya, I. (2000). Majmu‘ al-Fatawa. Beirut: Dar al-Kutub al-‘ilmiyyah.
Warde, I. (2000). Islamic Finance in Global Ekonomy. Edinburgh: Edinburgh University Press.
Published
2017-01-30
How to Cite
Mardhiah, I. (2017). Hilah dalam Produk Pembiayaan Syariah. Hayula: Indonesian Journal of Multidisciplinary Islamic Studies, 1(1), 19-44. https://doi.org/10.21009/hayula.001.1.02

Most read articles by the same author(s)

1 2 > >>