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JUAL BELI VALUTA ASING DENGAN AKAD SHARF PADA PT. ANNAS DUTHA JOGJA KOTA YOGYAKARTA
The development of Non-Bank Foreign Exchange Business Activities (KUPVA BB) in Indonesia has experienced significant growth alongside the expansion of the tourism sector and international trade. The existence of non-bank money changers has become an essential need for the people of Yogyakarta. However, from a sharia perspective, foreign exchange transactions must comply with the principles of the sharf contract as regulated in the DSN-MUI Fatwa No. 28/DSN-MUI/III/2002 to avoid elements of riba, gharar, and maysir. This study aims to examine the foreign exchange trading system implemented at PT. Annas Dutha Jogja as a money changer and to analyze its compliance with the principles of the sharf contract according to the fatwa. This research is a field study employing an empirical juridical approach with a descriptive-analytical nature. Data were collected through observation, interviews with company representatives and customers, and documentation. The analysis was conducted qualitatively using the theoretical frameworks of the concept of money in Islam, sharf contract theory, and fiqh muamalah. The DSNMUI Fatwa No. 28/2002 serves as the normative standard in evaluating foreign exchange transaction practices. The results indicate that the foreign exchange trading practices at PT. Annas Dutha Jogja generally comply with the principles of the sharf contract, particularly in the use of spot transactions and the clarity of exchange rates. However, there are still potential discrepancies in certain technical aspects that require improvement to fully comply with the principle of taqabudh and to avoid elements of gharar. This study contributes to strengthening the understanding of the implementation of sharf contracts in non-bank institutions. In conclusion, foreign exchange transactions at money changers can be considered shariacompliant, provided that there is increased adherence to Islamic legal principles. Future research is recommended to examine a wider range of institutions, particularly money changers, to obtain more comprehensive generalizations
FAKULTAS SYARIAH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA
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