Implementation of the Qardh Agreement at Bank Syariah Indonesia Tangerang Branch Office
Keywords:
Contract, Qardh, Implementation, Islamic financial institutionsAbstract
This study aims to determine the implementation of the Qardh contract in financing at Bank Syariah Indonesia Tangerang Branch Office. The Qardh contract is one of the financial instruments in the sharia economic system which aims to provide loans without compensation or additional to meet the needs of the community. This research method involves document analysis, interviews and observations of the implementation process of the Qardh contract at Bank Syariah Indonesia. The results of this study indicate that the institution implements the Qardh contract well and in accordance with the provisions of the DSN fatwa. However, this study also highlights several challenges and improvements that can be applied to increase efficiency and transparency in the implementation of Qardh to strengthen sharia financial inclusion and the challenges faced in its implementation
Downloads
References
Abdusshamad, Saifullah. “Pandangan Islam Terhadap Riba.” Al Iqtishadiyah Jurnal Ekonomi Syariah Dan Hukum Ekonomi Syariah 1, no. 1 (December 18, 2014).
Ali, Zezen Zainul, Annisa Wulandari, and Anwar M Radiamoda. “Qardh Implementation in Islamic Financial Institutions (LKS) and Advantage in Enterprise World.” Az-Zarqa’: Jurnal Hukum Bisnis Islam 14, no. 2 (October 20, 2022)
Amalia, Feby Ayu. “Hukum Akad Syariah.” Islamitsch Familierecht Journal 3, no. 01 (June 28, 2022).
Azlina, Nur, and Cholil Nafis. “Implementasi Akad Qard Sebagai Akad Tabarru Dalam Perbankan Syariah: Indonesia.” Tasharruf : Journal of Islamic Economics and Business 4, no. 1 (May 13, 2023).
Fasiha, Fasiha. “Akad Qardh Dalam Lembaga Keuangan Syariah" Al-Amwal: Journal of Islamic Economic Law 3, no. 1 (August 27, 2018).
Humaira and Yunita. “Penerapan Akad Qardhul Hasan Pada Produk Al-Qardh Sebagai Tanggung Jawab Sosial Perbankan Syariah" Jurnal Hukum Samudra Keadilan 17, no. 2 (November 5, 2022).
Ikafitria, Rakhma, Soleh Hasan Wahid, Lutvia Izzul Islami, and Rahma Zafira Putri. “Akad Qardh Perspektif Fatwa DSN-MUI Tentang Qardh: Studi Kasus Pada Gabungan Kelompok Tani Ngudi Makmur Magetan.” Jurnal Antologi Hukum 2, no. 2 (December 28, 2022).
Kahar, Kahar. “Al-Qardh (Pinjam-Meminjam) Dalam Perspektif Al-Qur'an” Jurnal Adz-Dzahab: Jurnal Ekonomi Dan Bisnis Islam 7, no. 2 (October 31, 2022).
Qhatimah, Fhadilah Qhusnul, Muh Yusron Baihaqi, and Dinar Hikmah. “Ayat Dan Hadist Tentang Pinjaman (Uang).” Dahzain Nur: Jurnal Pendidikan, Keislaman Dan Kemasyarakatan 13, no. 1 (July 4, 2024)
Ramand, Bella, Romita Romita, and Supiya Anggraini. “Analisis Risiko Pembiayaan Musyarakah Lembaga Keuangan Syariah" Jurnal Multidisiplin Indonesia 2, no. 6 (June 12, 2023)
Sh, Yupi Pirdayanti. “Qardh Dan Rahn Dalam Pandangan Para Fuqaha" Muamalah 8, no. 1 (January 1, 1970)
Siska Hana Pertiwi and Iza Hanifuddin. “Analisis Qardh Dalam Pembiayaan Rahn Di Lembaga Keuangan Syariah (Studi Kasus Pinjaman Usaha)” Niqosiya: Journal of Economics and Business Research 1, no. 2 (December 6, 2021)
Sukma, Febri Annisa, Refki Kurniadi Akbar, Nuri Nur Azizah, and Giri Putri Juliani. “Konsep Dan Implementasi Akad Qardhul Hasan Pada Perbankan Syariah dan Manfaatnya" Amwaluna: Jurnal Ekonomi Dan Keuangan Syariah 3, no. 2 (July 31, 2019).
Sulthonuddin, Bung Hijaj. “Qard Dengan Mengguanakan Dana Nasabah (Analisis Terhadap Fatwa No. 79/DSN-MUI/III/2011).” Jurnal Naratas 4, no. 2 (October 14, 2022)
Syafa’at, Abdul Kholiq, and M. Afnan Afandi. “Analisis Madzhab Syafi’i Terhadap Fatwa MUI Tentang Akad Qardh.” Jurnal Darussalam: Jurnal Pendidikan, Komunikasi Dan Pemikiran Hukum Islam 11, no. 2 (April 30, 2020)
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Musaiyana, Oyo Sunaryo Mukhlas
This work is licensed under a Creative Commons Attribution 4.0 International License.
