AKAD MUDARABAH MUSYTARAKAH DALAM FATWA DEWAN SYARIAH NASIONAL MAJELIS ULAMA INDONESIA (DSN-MUI) (STUDI FATWA NOMOR 50/DSN-MUI/III/2006 DAN NOMOR 51/DSN-MUI/III/2006 TENTANG AKAD MUDARABAH MUSYTARAKAH)

Bayu D. Sumaila, S.H, NIM.: 20203012046 (2022) AKAD MUDARABAH MUSYTARAKAH DALAM FATWA DEWAN SYARIAH NASIONAL MAJELIS ULAMA INDONESIA (DSN-MUI) (STUDI FATWA NOMOR 50/DSN-MUI/III/2006 DAN NOMOR 51/DSN-MUI/III/2006 TENTANG AKAD MUDARABAH MUSYTARAKAH). Masters thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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	Text (AKAD MUDARABAH MUSYTARAKAH DALAM FATWA DEWAN SYARIAH NASIONAL MAJELIS ULAMA INDONESIA (DSN-MUI) (STUDI FATWA NOMOR 50/DSN-MUI/III/2006 DAN NOMOR 51/DSN-MUI/III/2006 TENTANG AKAD MUDARABAH MUSYTARAKAH)) 20203012046_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf - Published Version Restricted to Registered users only Download (7MB) | Request a copy

Abstract

The National Sharia Council of the MUI is an institution that produces fatwas which are used as standard references in the practice of Islamic economics in Indonesia. Among them, fatwa number 50/DSN-MUI/III/2006 and fatwa number 51/DSN-MUI/III/2006 both regulate muḍārabah musytarakah contracts. Muḍārabah musytarakah is a muḍārabah model in which the muḍārib or 'āmil also plays a dual role as ṣāḥib al-māl, even without permission from the first ṣāḥib al-māl. Therefore the fatwa is interesting to study istinbāṭī, to find out the istinbāṭī reasons why the fatwa was issued. As is well known, in the istinbāṭ method there are three approaches, namely lugawī, ta'līlī, and istiṣlāḥī. This thesis aims to analyze the fatwa with these three approaches. Besides that, it will also be analyzed with a normative approach (fiqh muamalat). The method in this study used the library research method with a normative approach in which, with this approach the researcher was able to provide analytical descriptive results obtained from research facts. In addition, the theory used to be able to analyze the results of this research is the theory of legal istinbāṭ (Lugḥowi and ta'līlī), jurisprudence and other supporting theories. The findings of this study are: first, the legal istinbat method in the two DSN-MUI fatwas uses the lugawī, ta„līlī, and istiṣlāḥī approaches. The lugawī approach appears when presenting the arguments of the texts which are analyzed linguistically; The ta'līlī approach appears when applying the theory of istiḥsān, namely abandoning the general principle (qā'idah kulliyah) in the muḍārabah which does not allow muḍārib to also apply as ṣāḥib al-māl without permission from the first ṣāḥib al-māl by selecting the need or interest (maslahat) of the institution specific (juziyyah). Whereas the istiṣlāḥī method appears when it makes benefit for the insurance institution as the reason for presenting a new muḍārabah musytarakah contract model where the insurer does not need to ask permission from the ṣāḥib al-māl who also plays himself as ṣāḥib al-māl to other muḍārib. Second, there is inconsistency in the use of terms in the two fatwas, namely in the general provisions and the results of decisions regarding contract provisions. Also the legal arguments regarding muḍārabah in this fatwa are different from the legal arguments regarding other muḍārabah fatwas

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