DSN-MUI Fatwa Research Articles

Implementation Of Istishna 'Aqd In The Financial Investment Scheme Of Koperasi Syariah Benteng Mikro Indonesia

This research aims to examine the implementation of Istishna ‘aqd in investment financing at Koperasi syariah BMI, Ciawi branch. The issue addressed in this study is that the Istishna ‘aqd, substantively, is not an investment aqd but rather a sales aqd. Therefore, a comprehensive analysis is needed to determine the permissibility of utilizing the Istishna aqd in investment financing or to explore potential changes in the financing model or ‘aqd used. The research employs a qualitative descriptive method with data collection techniques through interviews and secondary data collection from the website, reports, and guidelines of Koperasi Syariah BMI. The study investigates how the Istishna ‘aqd is implemented in investment financing and its compliance with Sharia principles, aiming to conclude the feasibility of applying the Istishna ‘aqd in investment financing at Koperasi Syariah BMI. Based on the research findings, it is observed that the Istishna ‘aqd scheme applied in investment financing at Koperasi Syariah BMI is more aligned with the Fatwa DSN MUI No 06/DSN MUI/IV/2000 on Istishna, which involves a regular Istishna ‘aqd between two consenting parties. This approach deviates from the guidance of Fatwa DSN MUI No 32/DSN-MUI/IX/2002 on Sharia bonds, where Istishna is used in investment schemes, and is also inconsistent with Fatwa DSN MUI No 22/DSN MUI/III/2002 on parallel Istishna, as the cooperative already possesses a company engaged in building material provision. Despite the compliance of Istishna-based financing in Koperasi Syariah BMI with Fatwa DSN MUI No 06/DSN MUI/IV/2000, it is recommended that the cooperative adopt terminologies such as consumptive financing, productive financing, property ownership financing, or other terms in financing schemes involving Istishna ‘aqd. This suggestion is made due to the fact that cooperative members do not function as investors but as buyers seeking financing for development schemes such as housing, sanitation, and the provision of clean water.

The Role of Digital Media Against Zakat Fundraising in The Perspective of Sharia Economic Law (Research Study at the IZI Institute)

This study explores the use of digital media for zakat fundraising at IZI, explains its implementation within the framework of Sharia economic law, and its impact on increasing zakat collection. IZI's approach to digital media-based zakat fundraising is not only interesting but also educational and diverse. The purpose of this study is to investigate and analyze the strategy and effectiveness of using digital media in collecting zakat funds by zakat institutions, focusing on the Indonesian Zakat Initiative (IZI). Methodologically, the study used a variety of techniques, including interviews with relevant personnel at IZI, literature review within the institution, direct observation of zakat contributors to IZI, and qualitative analysis through graphical representation of zakat collections over time. This method is carried out meticulously in collaboration with IZI staff to ensure data accuracy. The result of this study is that the adoption of zakat fundraising through digital media at IZI has proven effective and diverse. Collaboration with Tokopedia through "zakatpedia" has helped increase the zakat collection significantly. Fundraising through digital media by Sharia principles provided that it does not harm other parties, supported by references to the Quran, Hadith, Ijma', Qiyas, and Fatwa DSN MUI, and the role of digital media-based fundraising in IZI has become a key factor in collecting zakat. This is evidenced by the consistent increase in zakat collection, an average of 20% per year since the adoption of digital media. In conclusion, it is important to embrace digital platforms for zakat fundraising within the scope of the Islamic economy. The innovative approach taken by IZI not only enhances zakat collection but also upholds the ethical and legal principles integral to Islamic finance.

Fatwa Dsn-Mui No. 77/DSN-MUI/V/2010 on the Sale and Purchase of Gold in Cash in the View of Sharia Economists in South Kalimantan

Penelitian ini didasari oleh permasalahan perbedaan pendapat oleh kalangan ulama kontemporer hingga pakar ekonomi syariah terkait hukum transaksi jual beli emas secara tidak tunai di masyarakat, termasuk putusan fatwa DSN MUI yang mana bertentangan dengan pendapat mayoritas. Penelitian ini menggunakan metode kualitatif deskriptif, dengan teknik pengambilan sampel snowball sampling. Hasil penelitian menunjukkan, pertama DSN MUI dalam menetapkan Fatwa No. 77/DSN-MUI/V/2010 menggunakan konsep ‘urf, dan maslahah mursalah, berdasarkan telah hilangnya kebiasaan masyarakat dalam menjadikan emas sebagai uang resmi, serta bahwa transaksi ini mengandung maslahat untuk mempermudah masyarakat dalam hal kepemilikan emas. Kedua, dari pandangan ekonom syariah terkait hukum transaksi jual beli emas secara tidak tunai dapat dibagi menjadi tiga, yaitu: 1) mutlak boleh, berdasarkan Fatwa DSN MUI, 2) boleh dengan syarat, dibagi dua: a) boleh tidak tunai dari segi pembayaran dan penyerahan barang dengan syarat emas diketahui jelas 4 kriteria, b) boleh tidak tunai dari segi penyerahan saja dengan syarat dapat diserah terimakan secara langsung atau diwakilkan, dan 3) mutlak haram, berdasarkan jelas dan tegasnya hadits yang melarang.

Penerapan Akad Murabahah Terhadap Pembiayaan KPR Perumahan Bersubsidi Di PT. Bank Sumut Syariah KCP. Lubuk Pakam

A house is a basic human need, many people are rarely able to save in cash due to rising house prices. By providing pawn products (Home Ownership Credit), the Bank acts as a mediator between the interests of home buyers and sellers in this situation. However, Muslims are not allowed to use the usury transaction interest system used by mainstream banks. For Muslims who want interest-free financial services, the rise of Islamic banking is a good thing. However, the fact that sharia banking has not been able to match conventional banks in Indonesia is proof that the majority of Muslim communities there do not have full confidence in using sharia banks. Based on this, the author looks at and discusses how murabahah contracts are used in sharia finance at the Bank Sumut Syariah Lubuk Pakam Branch Office. The aim of this qualitative descriptive research which combines case study theory is to describe the implementation of the murabahah contract and determine its impact on sharia financing at Bank Sumut Syariah Lubuk Pakam Branch Office. To gather information regarding the use of murabahah contracts in Islam, the data collection approach uses interview procedures, namely questions and answers to officers, employees and authorized parties (in authority), as well as documentation. Descriptive techniques are used in data analysis procedures. The research findings, the application of the DSN-MUI fatwa regarding murabahah, turns out that the DSN-MUINo.04/DSNMUI/IV/2000 fatwa was followed in the case of murabahah financing for subsidized housing mortgage financing carried out by the North Sumatra Syariah Bank, Lubuk Pakam Branch Office.

Behavior Intention Analysis of E-Money Users: A Study Based on Maqashid Sharia and Fatwa DSN MUI

E-money can be used for various purposes such as online purchases, fund transfers, and financial transactions, providing convenience and efficiency in transactions by eliminating the need for physical cash. The development of new technologies and lifestyle changes have significantly influenced the development of electronic payment systems, also known as non-cash payments. The use of electronic money must adhere to Islamic principles of ethics and morality, avoiding transactions that are prohibited or harmful to others and prioritising the security and privacy of user data. This research involves a document review of electronic money instruments in Indonesia and the current advantages of electronic money with data collection by reading related literature. This article aims to analyse the behaviour intention of e-money users using maqhasid shariah approach and DSN MUI fatwa. The attitude of e-money users determines in carrying out economic activities, of course, what will be considered is the benefit for themselves and others, besides that the implementation of economic activities using e-money is influenced by the environment and the people around them, this is called subjective norms, (normative belief) and perceived behavioural control, There are two indicators to assess hifdz al-mal, namely macro indicators with a top-down approach, and micro focusing on a bottom-up approach, hifdz al-mal can be implemented in various aspects of life in the realm of finance and business practices, this concept emphasises ethical and responsible behaviour in acquiring, managing and distributing wealth, ensuring the welfare of individuals and society.

Study on Sharia Compliance Principles in Halal Tourism Business in Bandung Regency: An Implementation of Islamic Business Ethics Principles (Professional Ethics)

The purpose of this study is to reveal the sharia compliance of the halal tourism business in Bandung Regency, where halal tourism in its implementation must be carried out by prioritizing the principles of Islamic business ethics (Professional Ethics), meaning that the principles of Islamic business ethics in the context of halal tourism in Bandung Regency must submissive (obedient) in a syar'i, especially in promoting the principles of Islamic business ethics, namely by prioritizing Islamic services with the aim of providing comfort for Muslim tourists in particular. In addition, the principles of Islamic service are expected to be able to realize professional ethics in doing business in an Islamic way, especially in carrying out halal tourism activities, especially for tourism industry players in Bandung Regency. This literature review uses the theory of Islamic business ethics as coined by Hamid Salam and Abdalla Hanafi including: a) Ethics to always convey the truth; b) Ethics to be trusted; c) Ethics to do something sincerely; d) Brotherhood ethics; e) Mastery of science; f) Ethics of Justice. The findings of this study are the principles of Islamic business ethics (professional ethics) in the implementation of the halal tourism business in Bandung Regency referring to the Bandung Regency Regional Regulation (Perda) Number 6 of 2020 concerning Halal Tourism, where there are several principles that must be met in running tourism. Halal in Bandung district which includes: a). set as needed; b). facilitate; c). according to ability; d). gradually; e). priority scale; and f). Inclusive. In addition, there is the concept of the Code of Ethics for Tourism (GCET) or the Global Tourism Code of Ethics as a reference for sustainable tourism development in Bandung Regency which includes economic, social, cultural, and environmental components. This is because Indonesia is not an Islamic country but a country where the majority of the population is Muslim, so it is necessary to prioritize the values of Rahmatan lil 'Alamin in business (muamalah), especially in terms of additional service activities in halal tourism in Bandung Regency. In addition, indicators of sharia compliance in halal tourism in Bandung district are referring to 2 regulations, namely local regulations (perda) Bandung district number 6 of 2020 concerning halal tourism, and DSN-MUI fatwa No: 108/DSN-MUI/2016 concerning guidelines for tourism implementation. based on sharia principles.

Buying and Selling Marijuana Coffee in Cross Medan, Southeast Aceh Perspective of DSN MUI Fatwa No.110/DSN-MUI/IX/2017

Buying and selling is an agreement to exchange goods that has benefits for the user. In its implementation, buying and selling must be based on the provisions of Islamic law, in that it does not contain elements that are forbidden, because of Allah SWT. has permitted buying and selling and prohibited usury. The concept of buying and selling in Islam encourages transactions that are honest, fair and beneficial to both parties as well as maintaining a good relationship with Allah and gaining His approval. The practice of buying and selling marijuana coffee across Medan, Southeast Aceh violates legal regulations. Of course, coffee can be consumed halally, but not marijuana. The combination of coffee and marijuana is a problem whether this type of drink is halal for consumption, in the perspective of DSN MUI Fatwa No.110/DSN-MUI/IX/2017 concerning Sale and Purchase Agreements. If buying and selling marijuana coffee is carried out then this buying and selling is not valid according to Islamic law because there are elements of haraam which are prohibited both by religion and by law in Indonesia. The research method used is an empirical juridical method, namely field research, using a qualitative approach.

ANALYSIS OF THE EFFECT OF DSN-MUI FATWA NO. 83 OF 2023 ON PEOPLE'S CONSUMPTION PATTERNS IN PADANG CITY

About how the effects of the release of Fatwa DSN-MUI No. 83 in 2023 to the people of the plains city that occurred in the field of response of the people prefer to follow the rules and the people also changed consumption patterns from those who intially used common produtcs to switch equipment to other such research and natural observastion. From the data already collected on how fatwa rules have been released one people’s consumption patterns it has been evident that some of the data gathered there are 97 of the 100 people from the country’s population that are gathered in that people agree that people support and they change their consumption patterns by switching to other inexpensive and accessible products but not impossible. There are only a number of responses and societies disapprove of the fatwa because it is not given a description of alternatif solutions or pathways to replace products or brand that are used in everyday public consumption.

Analisis Kepatuhan Koperasi Syariah Pada Implementasi Akad IMBT Ditinjauan dari Fatwa DSN MUI No. 27 Tahun 2002

Essentially, the majority of people want to fulfill their needs for consumer or productive goods quickly and through a simple process, In this context, Islam is present as a solution for society to meet society's needs for assets through financing agreements contract al-Ijarah Muntahiyah Bi at-Tamlik (IMBT). Which aims to review the suitability of the implementation of the contract al-Ijarah Muntahiyah Bi at-Tamlik against DSN-MUI fatwa no. 27 of 2002 about IMBT. Field research is the form of research used, and the research method employed is a descriptive method with a qualitative research paradigm approach. Data was obtained through several data collection techniques, namely observation, interviews and documentation. The data analysis technique used is the Miles and Huberman analysis technique. The results of the research state that apart from the conformity of several IMBT contract implementations to the DSN-MUI Fatwa, The DSN-MUI Fatwa is not followed in a number of implementations, including the transfer of ownership at the start of the IMBT contract, the full tenant-borne maintenance costs for the rental items, and the initial intention of customers applying for IMBT contract financing, which was not to satisfy their needs for consumer or productive goods.

RESOLVING FINANCING PROBLEMS WITH RESTRUCTURING OF MURABAHAH FINANCING DURING THE COVID-19 PANDEMIC AT PT. SUMUT BANK (SHARIAH BUSINESS UNIT)

This research aims to analyze howresolving problematic financing by restructuring murabahah financing during the Covid-19 pandemic at PT. Bank Sumut (Sharia Business Unit).This research uses a qualitative type of research with a case study approach using data collection techniques through observation and interviews with related parties from Bank Sumut. The results of the research show that the practice of restructuring murabahah financing at Bank Sumut is carried out as an effort to rescue problematic financing. When viewed from POJK, especially POJK 48, the implementation of restructuring shows several important points that banks must pay attention to. Bank Sumut has guidelines for determining debtors affected by COVID-19. Apart from that, the restructuring implementation takes into account the MUI DSN Fatwa No. 47,48,49, regarding the resolution of problematic murabahah financing, the absence of additional costs and contract conversion
 Keywords: Problematic Financing, Restructuring, Murabahah Financing, Covid 19

Penyelesaian Sengketa Pengembalian Dana Haji Perspektif Fatwa DSN-MUI Nomor: 29/DSN-MUI/VI/2002 (Studi Putusan Nomor: 2346/Pdt.G/2021/PA.Mdn)

Hajj bailout funds gave birth to various polemics, one of which is the return of Hajj funds in the event of Hajj cancellation as in case decision number: 2346/Pdt.G/2021/PA.Mdn. This research aims to find out the judge's legal basis in resolving the refund of Hajj funds and how the decision is reviewed from the DSN-MUI fatwa No: 29/DSN-MUI/VI/2002. This type of research is normative juridical with a statute approach and judicial case studies approach. The results showed that the legal basis of the judge in resolving this case was based on the Civil Code and the main consideration of the judge was the contract, according to the researcher the judge should not only consider the contract but other regulations related to the collection of ujrah in financing Hajj bailout funds such as the DSN-MUI fatwa No: 29/DSN-MUI/VI/2002. Dispute resolution carried out by the plaintiff through the religious court is in accordance with DSN-MUI fatwa No: 29/DSN-MUI/VI/2002 because in dispute resolution through a sharia arbitration body it must be agreed by the parties in writing, but in this decision the parties did not include it in the contract.

Analisis Pelaksanaan Akad Murabahah dalam Pembiayaan Pembelian Rumah (PPR) Syariah, Studi Kasus Bank Syariah Indonesia KCP Medan Marelan

Finding out how Bank Syariah Indonesia KCP Medan Marelan implements murabahah contracts is the aim of this study and to evaluate the DSN MUI Fatwa Number 04/DSN-MUI/IV/2000 for the appropriateness of implementing this sharia KPR. The study employs a qualitative descriptive methodology, collecting data from primary and secondary sources such as interviews and literature reviews encompassing books, statutes, papers, and so on. According to the research findings, the DSN MUI fatwa Number 04/DSN-MUI/IV/2000 is followed when implementing a murabahah contract to finance the purchase of a sharia house or sharia house ownership (KPRS), in terms of financing stages or procedures, the amount of funds provided, financing without usury, and other factors

Juridical Review of Net Revenue Sharing and Profit Sharing Implementation In Islamic Bank

Islamic economic and financial systems are based on the achievement of justice and equitable distribution of economic welfare as well as universal ethical values that can be accepted by various parties. This study aims to determine the legal basis for the application of net revenue sharing and profit sharing methods in Islamic banks. The method used is normative juridical approach, data collection techniques using literature study and field study, data analysis using qualitative normative analysis. The results mentioned that the regulation of net revenue sharing and profit sharing of Islamic banks in Indonesia is contained in Article 26 of Law Number 21 of 2008 concerning Islamic Banking on the operational principles of Islamic banks, DSN MUI fatwa Number 15/DSN-MUI/IX/2000 on the principle of distribution of business results in Islamic financial institutions and PBI Number 7/46/PBI/2005 concerning the collection of funds and distribution of funds for parties carrying out business activities based on sharia principles.

Makelar dalam Transaksi Ekonomi (Analisis Fatwa DSN MUI No. 151/DSN-MUI/VI/2022 Tentang Akad Samsarah)

Brokers in economic transactions are common jobs undertaken by society. However, in practice, brokers often pose problems, especially for consumers or buyers. It is not uncommon for buyers to find that the price set during the transaction is not the price set by the owner of the goods, but rather a price added by the broker. The significant price difference from the original price becomes a separate problem for the community.
 This article aims to explain the practice of brokers in Islam by analyzing the Fatwa DSN MUI NO. 151/DSN-MUI/VI/2022 on Samsarah Contracts. The focus of this article is: What is the nature of brokers in Islam? How does the Fatwa DSN MUI No. 151/DSN-MUI/VI/2022 on Samsarah Contracts play a role in ensuring the legality of broker practices in Indonesia?
 In this article, researchers use a research library approach. Primary data sources include literature on brokers in Islam. In Islam, brokerage is considered an allowed practice; a broker aims to provide assistance to both the buyer and the owner of the goods to be sold. Meanwhile, the role of Fatwa DSN MUI NO. 151/DSN-MUI/VI/2022 has outlined the technical implementation of broker services and provided arguments in accordance with Islamic Sharia teachings.

Analysis of Fatwa DSN-MUI No.105 on Capital Guarantee Issues in a Mudharabah Contract

This study critically examines the Fatwa MUI No. 105 on sharia ruling of capital guarantee in a mudharabah contract in Islamic bank practices. Some opinions from sharia Fatwa which is issued by International Fatwa Issuing-Bodies and Classical Muslim Scholars were used to obtain the holistic view on mudharabah capital guarantee. This study employs qualitative approach to assess the opinion of sharia scholars and utilizes inductive approach to summarize the data or information that are collected. The main data of this study is fatwa MUI No.105, Muslim scholars’ opinion from Fiqh or Ushul Fiqh literature, and group of international fatwas that are issued by reputable fatwa-issuing body. The study found that the MUI Fatwa No.105 which is stated that mudharib can guarantee mudharabah capital voluntarily contradicts to majority of four mazaahib, International Islamic Fiqh Academy and AAOIFI that state the mudharib is not allowed to guarantee the capital of the mudharabah. In addition, the Fatwa was not included the aspect of Amanah in its stipulation. However, under sharia methodology of maslahah, mudharib is still allowed to provide capital guarantee in certain situations: first, if mudharib is doing negligently in business, second, mudharib willingly impose themselves to guarantee the mudharabah capital, third, afraid of loss of potential customer, and lastly, mudharib voluntarily guarantee only the capital not profit.

LEGAL COMPLIANCE ON SHARIA ECONOMICS IN HALAL TOURISM REGULATIONS

The purpose of this study is to reveal the sharia compliance of the halal tourism business in Bandung Regency, where halal tourism in its implementation must be carried out by prioritizing the principles of Islamic business ethics (Professional Ethics), meaning it must submissive (obedient) in a syar'i, by prioritizing Islamic services with the aim of providing comfort for Muslim tourists in particular. In addition, the principles of Islamic service are expected to be able to realize professional ethics in doing business in an Islamic way, especially in carrying out halal tourism activities, especially for tourism industry players in Bandung Regency. This literature review uses the theory of Islamic business ethics as coined by Hamid Salam and Abdalla Hanafi including: a) Ethics to always convey the truth; b) Ethics to be trusted; c) Ethics to do something sincerely; d) Brotherhood ethics; e) Mastery of science; f) Ethics of Justice. The findings of this study are the principles of Islamic business ethics (professional ethics) in the implementation of the halal tourism business in Bandung Regency referring to the Bandung Regency Regional Regulation (Perda) Number 6 of 2020 concerning Halal Tourism, where there are several principles that must be met in running tourism. Halal in Bandung district which includes: a). set as needed; b). facilitate; c). according to ability; d). gradually; e). priority scale; and f). Inclusive. In addition, there is the concept of the Code of Ethics for Tourism (GCET) or the Global Tourism Code of Ethics as a reference for sustainable tourism development in Bandung Regency which includes economic, social, cultural, and environmental components. This is because Indonesia is not an Islamic country but a country where the majority of the population is Muslim, so it is necessary to prioritize the values of Rahmatan lil 'Alamin in business (muamalah), especially in terms of additional service activities in halal tourism in Bandung Regency. In addition, indicators of sharia compliance in halal tourism in Bandung district are referring to 2 regulations, namely local regulations (perda) Bandung district number 6 of 2020 concerning halal tourism, and DSN-MUI fatwa No: 108/DSN-MUI/2016 concerning guidelines for tourism implementation based on sharia principles.

Akad Qardh dan Wakalah Bil Ujrah dalam Transaksi Financial Technology Syari’ah Peer to Peer Lending: Perspektif Fatwa DSN-MUI Nomor 117/DSN-MUI/II/2018

In order to prepare the technological infrastructure of developing countries like Indonesia. Information and transactions that can be accessed directly by the general public requires effectiveness and efficiency in feature items, especially technology development. Financial Technology (Fintech) has gone viral because it is one of the best technology options in the financial sector. The conveniences that are obtained by the actors or consumers are aimed at creating independent satisfaction but it is necessary to have a valid contract that will be used and this concerns prospects which have very large implications for the world of financing. Besides these changes, there are various kinds of problems that have arisen, especially the concept of implementing qardh contracts in peer to peer lending syari'ah, applying wakalah bil ujrah contracts in peer to peer lending syari'ah and applying qardh contracts and wakalah bil ujrah in peer to peer lending. syari'ah in the perspective of the DSN-MUI fatwa number 117/DSNMUI/II/2018 concerning Information Technology-Based Financing Services Based on Sharia Principles. So that the objectives achieved can analyze the concept of the validity of the application of the contract. As well as the final analysis of the DSN-MUI fatwa on sharia peer to peer lending.. The type of research used by researchers is qualitative to obtain data using library research (library research). The nature of the research is descriptive. DSN-MUI fatwa number 117/DSNMUI/II/2018 concerning Information Technology-Based Financing Services Based on Sharia Principles which forms the basis is correct, but requires specific fatwas so that the certainty of the application of contracts to service products is more certain and there is no usury and gharar in invoice financing productive and consumer This regulation deserves to be studied, understood and revised by the Government, in this case the Financial Services Authority, DSN-MUI, in issuing regulations and fatwas that accommodate the legitimacy of how fintech products work. This requirement is a form of responsibility of the two regulators so that the risk of occurrence which is prohibited by Syar'I cannot be realized (safe to use). Product contract clauses must be spelled out directly when making a financing contract. So as to be able to support sharia by investing legally, safely, lawfully and can help those in need, especially in funding needs. For this reason, the DSN-MUI fatwa No. 117/DSNMUI/II/2018 must explain in detail the design and achievements determined through collective ijtihad (ijtihad jama'i) so that a National Sharia Council - Indonesian Ulema Council rule is issued which is competent and can fulfill simple elements. , clear, and can be used and understood by startups.

Implementasi Fatwa DSN-MUI Tentang Murabahah pada Pembiayaan Dana Kredit Usaha Rakyat (KUR) di Bank BRI Syariah KCP Parung-Bogor

This research aims to determine the procedures for financing KUR funds and determine the implementation of the DSN-MUI Fatwa regarding Murābaḥah in financing KUR funds and legal issues regarding its implementation at Bank BRI Syariah KCP Parung-Bogor. This research uses qualitative research. The data that supports this study comes from primary sources in the form of interviews with respondents and secondary material using a juridical-empirical approach. Based on the research that has been conducted, it can be concluded that sharia-based banking has been able to implement and realize its existence as a sharia financial institution (LKS) which adheres firmly to Islamic sharia law, especially in the practice of muamalah which has been determined by the Indonesian Ulema Council through its institution, namely the National Sharia Council

Pengikatan Objek Jaminan Pada Akad Rahn Tasjily Tanah Di Pegadaian Syariah

The research aims to further analyze the implementation of rahn tasjily land pledge agreements in Sharia pawnshops, especially regarding the collateralization of the security object in rahn tasjily land pledge agreements. The analytical method used was normative juridical legal research through the statute approach (Government Regulation in Lieu of Law or Perppu) and the conceptual approach. The analysis results indicate that implementing rahn tasjily land pledge agreements at Sharia pawnshops begins with the submission of financing applications, a business feasibility analysis, and the collateralization process. The collateralization of the security object in rahn tasjily land pledge agreements involves imposing a mortgage right, with the process limited to the SKMHT stage. There is a contradiction between the SKMHT mentioned in the DSN-MUI fatwa on rahn tasjily pledge as collateral for financing settlement and the Mortgage Law, which states that SKMHT is only the authority to impose mortgage rights. SKMHT is not considered as collateral because it lacks guaranteeing power. Therefore, there is no binding security in rahn tasjily land pledge agreements at Sharia pawnshops.

Perspektif Hukum Islam terhadap Biaya Administrasi Transfer Dana melalui BSI Mobile

The presence of Islamic banks in Indonesia since the late 19th century and their development to the present day has helped us understand the importance of Islamic economics in Indonesia. This research uses library research methods, collecting data or scholarly writings as the research object, gathering library data, or studies conducted to solve a problem. The Fiqh Muamalah analysis shows that fund transfer transactions between banks through the BSI Mobile application are allowed because they avoid riba, maisir, gharar, tadlis, and facilitate fund transfer transactions between different banks. In addition, the contracts used are also in accordance with the Fatwa DSN MUI No. 10/DSN-MUI/IV/2000 on Wakalah and Fatwa DSN MUI No. 113/DSN-MUI/IX/2017 on Wakalah bi al-Ujrah.