NORM CHARACTERISTICS OF ISLAMIC BANKING IN INDONESIA ON MURABAHAH INSTRUMENT TOWARDS BEYOND BANKING
DOI:
https://doi.org/10.29303/ius.v6i3.581Keywords:
Norm Characteristics, Murabahah, Sharia banking and Beyond banking.Abstract
The dynamics of Islamic banking since 2008 has grown rapidly after the enactment of Law Number 21 Year 2008 concerning Islamic Banking. Murabahah products undergo several stages of review or assessment in order to achieve compatibility between the fundamental aspects of its welfare and operations. The existence of various perceptions and implementations so far has become an important issue to be studied, considering the standardization of technical product which is a minimum standard, required as a reference for implementation products. This study used a type of doctrinal research, with textual inference procedures and qualitative descriptive analysis. The presents of Sharia or Islamic issues, legal issues and operational issues are several characteristics of norms stated in the Islamic Banking Law regarding murabahah instrument. Standard Book of murabahah products based on the Financial Services Authority Regulation which contains the capacity and service standards that are derived from important norms and guidelines in the operation of murabahah instrument. Understanding and implementing the Islamic banking industry brings together two dimensions of value, that are the value of professionals in the financial world and the value of compliance with sharia principles, one of which is the rules of commercial transaction that are not mixed with the rules of credit. These fundamental indicators determine the norm characteristics of Islamic banking in Indonesia. Thus, the construction of legal reforms for Islamic banks as beyond banking is well realized.Downloads
References
Book
Ammi Nur Baits, 2016, Ada Apa dengan Riba, Cetakan Pertama, Pustaka Muamalah Jogja, Yogyakarta.
Erwandi Tarmizi, 2017, Harta Haram Muamalat Kontemporer, Cetakan kelimabelas, PT. Berkat Mulia Insani, Bogor.
J. Supranto, 2003, Metode Penelitian Hukum dan Statistik, Cetakan Pertama, PT. Rineka Cipta, Jakarta.
Kelik Wardiono, 2016, Paradigma Profetik Pembaruan Basis Epistemologi Ilmu Hukum, Cetakan I, Genta Publishing, Yogyakarta.
Muhamamad Baqir Ash Shadr, 2008, Buku Induk Ekonomi Islam: Iqtishaduna, Cetakan ke-1, Zahra Publishing House, Jakarta.
Robert W Hefner, 2000, Islam Pasar Keadilan, Artikulasi Lokal, Kapitalisme dan Demokrasi,Cetakan I, LKiS Yogyakarta, Yogyakarta.
Jurnal
Herman Felani dan Inta Gina Setiawiani, 2017, Pengaruh Pendapatan Mudharabah, Musyarakah dan Murabahah terhadap Profitabilitas Pada Bank Umum Syariah Periode 2013 – 2015, Seminar Nasional dan The 4th Call for Syariah Paper (SANCALL), Publikasi Ilmiah, Universitas Muhammadiyah Surakarta, http://hdl.handle.net/11617/9211.
Muchamat. Amarodin, Konstruksi Sistem Ekonomi Islam Pemikiran Tokoh Ekonomi Islam Kontemporer (Abu A’la Al-Maududi, Baqir Ash-Sadr, dan Adiwarman A. Karim, 4 eksyar, Volume 5 No. 1 Juni 2018.
M. Faisal, Eksistensi Pengadilan Agama dalam Penyelesaian Sengketa Bisnis Syariah di Indonesia, Jurnal IUS Kajian Hukum dan Keadilan, Volume V, Nomor 3, Desember 2017.
Mulya E Siregar, 2016, Deputi Komisioner Pengawas Perbankan I, Sambutannya dalam Buku Standar Produk Perbankan Syariah Murabahah, Otoritas Jasa Keuangan, Jakarta.
Nadratuzzaman Hosen, Analisis bentuk Gharar dalam Transaksi Ekonomi, Al-Iqtishad, Volume I, Nomor 1, Januari 2009.
Nurjannah S, 2018, Relasi Islam dan Negara dalam Akomodasi Hukum Perbankan Berbasis Nilai-Nilai Transendental, Cetakan I, Genta Publishing, Yogyakarta, http://hdl.handle.net/11617/9684.
Wardah Yuspin, Penerapan Prinsip Syariah dalam Pelaksanaan Akad Murabahah, Jurnal Ilmu Hukum, Vol. 10, No. 1, Maret 2007, http://hdl.handle.net/11617/743.
Law Regulation
Undang-Undang Nomor 21 tahun 2008 tentang Perbankan Syariah.
Peraturan Bank Indonesia Nomor 9/1/PBI/2007 tentang Sistem Penilaian Tingkat Kesehatan Bank Umum berdasarkan Prinsip Syariah.
Peraturan OJK No.24/POJK.3/2015 tentang Produk dan Aktivitas Bank Syariah UUS.
Surat Edaran OJK No.36/SEOJK.03/2015 tentang Produk dan Aktivitas Bank Umum Syariah dan Unit Usaha Syariah.
Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia Nomor 1 tahun 2004 tentang Bunga (interest/Fa’idah).
Buku Standar Produk Perbankan Syariah Mudharabah
Downloads
Published
How to Cite
Issue
Section
License
The authors hold the copyright. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal. How ever the author should affirming that the article is their original work should accompany the article via online submission form. Authors are permitted to share a Preprint of their article anywhere at any time. Link Declaration of originality (PDF)