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TRANSAKSI JUAL BELI BUKET UANG: STUDI PANDANGAN TOKOH MUHAMMADIYAH DAN NAHDLATUL ULAMA DI YOGYAKARTA
The development of the times brings various contemporary problems that have never occurred before, one of which is the buying and selling of money bouquets. Money bouquets are a new phenomenon in society, where cash is arranged and decorated into bouquet forms like flowers to be given as gifts. This practice raises questions from the perspective of fiqh muamalah (Islamic commercial jurisprudence), as it involves transactions that use money as the object of sale, not merely as a medium of exchange. This concept differs from conventional buying and selling practices that have been explained in classical fiqh literature, thus requiring in-depth study from the perspective of contemporary Islamic law to understand the views of Muhammadiyah and Nahdlatul Ulama figures in the Special Region of Yogyakarta regarding the sharia legitimacy of money bouquet trading practices. This research employs qualitative research with field research methods, namely collecting complete data and conducting interviews with Muhammadiyah and Nahdlatul Ulama figures in DIY, and is descriptive-comparative in nature. This approach is used to compare the perspectives of the two largest Islamic organizations in Indonesia regarding money bouquet trading practices. This research uses primary data sources in the form of interview results with figures from both organizations, as well as secondary data in the form of fiqh muamalah literature, related fatwas, and contemporary Islamic law studies. This research uses contract theory (akad) as an analytical framework to understand the validity of money bouquet transactions from an Islamic law perspective. The results of the study show that the views of Muhammadiyah and Nahdlatul Ulama figures in Yogyakarta regarding the transaction of buying and selling money bouquets have similarities in the principles of prudence and transparency, but there are fundamental differences in the contract approach used. First, Muhammadiyah figures represented by H. Ali Yusuf tend to view the money bouquet transaction as an ijarah contract (renting services), where consumers pay for the creative service of arranging money into an aesthetic bouquet, while ownership of the money remains with the consumer. This approach is based on the argumentation of the concept of ijarah which refers to the payment of wages for creative transformation services without containing elements of speculation (gharar) or usury, because there is no exchange of money for money but rather payment for services with money. Second, Nahdlatul Ulama figures represented by KH. Afif Muhammad Chasbullah use the bai' contract (sale and purchase of goods) by applying the tabi'un principle in muamalah fiqh, where the money in the bouquet follows the law of the bouquet as the main item being traded. In NU's view, what is being traded is the result of creativity and added value in the form of assembly services that have become finished products, not currency exchange, so that it avoids the category of bay' al-sarf which has strict rules in Islam and can be justified in sharia as long as it is carried out with full transparency.
FAKULTAS SYARI’AH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA
TRANSAKSI JUAL BELI BUKET UANG: STUDI PANDANGAN TOKOH MUHAMMADIYAH DAN NAHDLATUL ULAMA DI YOGYAKARTA (Text)
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