Fund Ownership of Sharia Banking According to Islamic Economic Political Perspective
DOI:
https://doi.org/10.14421/EkBis.2021.5.2.1377Keywords:
Funds, Islamic Banks, Legal Protection, Islamic Economic PoliticsAbstract
The concept of ownership in Islamic economics states that individuals or legal entities that have the right to ownership of a property may use it freely as long as it does not violate Islamic economic principles and the public interest. However, for Islamic banking, the ownership of funds used as business capital comes from investor customers who deposit their funds in Islamic banks. This has an effect on the ownership status of these funds. This article uses a descriptive literature research method taken from various factual references with a focus on using a normative juridical approach. This type of research is qualitative research using data analysis through several steps such as focusing data, presenting funds and drawing conclusions. The results of this study reveal the fact that the ownership rights of funds in Islamic banking are sourced from the first party funds as the bank's founder, the second party funds as shareholders and third party funds as investor customers. Ownership of these funds cannot be separated from the contract mechanism used. So that the contract used is the cause of Islamic banks having ownership rights to use these assets for business activities. The use of these funds is guaranteed by law, which shows the role of Islamic economic politics through the legal umbrella that regulates the operational system of Islamic banking, especially in the permitting of the use of investor funds for business activities through the mechanism of channeling funds and service mechanisms.
Downloads
Abstract viewed: 264 times
|
PDF downloaded = 275 times
References
Abdullah, S. S. & R. (2011). Fikih Muamalah. Ghalia Indonesia.
Akbar, A. (2012). Konsep Kepemilikan dalam Islam. Jurnal Ushuluddin, 18(2), 124–140. http://dx.doi.org/10.24014/jush.v18i2.704.
Akbar, M. A., & Ghufron, M. I. (2019). Sinkronisasi Ekonomi Pancasila Dan Ekonomi Islam. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 4(1). https://doi.org/10.30651/jms.v4i1.2868
Antonio, M. S. (2018). Bank Syariah dari Teori ke Praktik. Gema Insani.
Arif, M. (n.d.). Filsafat Ekonomi Islam.
Arwani, A. (2017). Epistemologi Hukum Ekonomi Islam (Muamalah). Religia, 15(1). https://doi.org/10.28918/religia.v15i1.126.
Bachtiar. (2018). Metode Penelitian Hukum. Tangerang Selatan: Unpam Press.
Danupranata, G. (2006). Ekonomi Islam. Unit Penerbit Fakultas Ekonomi.
Desminar. (2019). Akad Wadiah Dalam Perspektif Fiqih Muamalah. Menara Ilmu, Vol. XIII(3), 25–35. https://doi.org/10.33559/mi.v13i3.1213.
Effendi, S. (2019). Perbandingan Sistem Ekonomi Islam dengan Sistem Ekonomi Kapitalis dan Sosialis. Jurnal Riset Akuntansi Multiparadigma Universitas Islam Sumatera Utara, 6(2), 129. https://doi.org/10.30743/akutansi.v6i2.2185.
Elida., A. B. R. & T. (2015). Bank dan Lembaga Keuangan NonBank di Indonesia. UIN- Press.
Hakim, A. A. (2011). . Fiqih Perbankan Syariah: Transpormasi Fiqih Muamalah ke dalam Peraturan-Perundang-Undangan. Reflika Aditama.
Handayani, dkk. (2020). Metode Penelitian Kualitatif dan Kuantitatif. Yogyakarta: CV: Pustaka Ilmu.
Hasanudin, J. M. &. (2017). Fikih Mu’amalah Maliyyah: Akad Syirkah dan Mudharabah. Simbiosa Rekatama Media.
Hasnita, N. (2017). Politik Hukum Ekonomi Syariah Di Indonesia. Legitimasi: Jurnal Hukum Pidana Dan Politik Hukum, 1(2), 108–124. https://doi.org/10.22373/legitimasi.v1i2.1430
Ilyas, R. (2018). Manajemen Permodalan Bank Syariah. BISNIS : Jurnal Bisnis Dan Manajemen Islam, 5(2), 323. https://doi.org/10.21043/bisnis.v5i2.3017
Irawan, M. (2018). Politik Hukum Ekonomi Syariah Dalam Perkembangan Lembaga Keuangan Syariah Di Indonesia. Jurnal Media Hukum, 25(1), 10–21. https://doi.org/10.18196/jmh.2018.0097.10-21
Isharyanto. (2016). Politik Hukum. Kekata Grouf.
Karim, A. A. (2014). Bank Islam: Analisis Fiqih dan Keuangan. RajaGrafindo Persada.
Leli, M. (2019). Konsep Harta dan Kepemilikan dalam Perspektif Islam. At-Tasyri’iy, 2(2), 1–16. https://jurnal.stai-yaptip.ac.id/index.php/At-Tasyriiy/article/view/194.
Muhammad, D. W. (2014). Penerapan prinsip syariah dalam permodalan bank syariah. Jurnal Media Hukum, 21(1), 45–56. https://doi.org/10.18196/jmh.v21i1.1156.
Nurjaman, Muhamad Izazi, D. A. (2021). Eksistensi kedudukan fatwa dsn mui terhadap keberlangsungan operasional bisnis di lembaga keuangan syariah. 9(2), 55–67. https://doi.org/10.37812/al%20iqtishod.v9i2.245.
Nurjaman, Muhamad Izazi & Muhammad Danil. (2020). Relevansi Pemikiran Ekonomi Abu Ubaid di Indonesia. Islamic Circle, 1(2), 47–65. https://jurnal.stain-madina.ac.id/index.php/islamiccircle/article/view/299.
Pranoto, E. (2018). Pembangunan Sistem Hukum Ekonomi Indonesia Berlandaskan Pada Nilai Pancasila Di Era Globalisasi. Spektrum Hukum, 15(1), 89. https://doi.org/10.35973/sh.v15i1.1111
Prasetio, Y. (2018). Ekonomi Syariah. Aria Mandiri Grouf.
Rinawati, A. (2020). Pancasila Dan Eksistensi Ekonomi Kerakyatan Dalam Menghadapi Kapitalisme Global. Jurnal Terapung: Ilmu-Ilmu Sosial, 2(2), 1–12. http://dx.doi.org/10.31602/jt.v2i2.3972.
Ro’ikayah, S. N., & Laila, N. (2021). Determinan Pendapatan Usaha Pada Bank Umum Syariah Di Indonesia. Jurnal Ekonomi Syariah Teori Dan Terapan, 8(2), 159. https://doi.org/10.20473/vol8iss20212pp159-170
Sari, N. (2016). Manajemen Dana Bank Syariah. Al-Mashlahah: Jurnal Ilmu Syariah, 12 (1), (1–21). https://doi.org/10.24260/almaslahah.v12i1.341.
Shidiq., A. R. G. G. I. & S. (2018). Fiqh Muamalah. Prenadamedia Grouf.
Sofyan S. Harahap, W. & M. Y. (2010). Akuntansi Perbankan Syariah. LPFE Usakti.
Sumar’in. (2017). Politik Ekonomi Islam Komparasi Hukum Dan Nilai Sistem Ekonomi Dunia. Al-Amwal : Journal of Islamic Economic Law Maret 2017, Vo.2, No. 1 70–84. https://doi.org/10.24256/alw.v2i1.603a.
Tamsir, S. &. (2019). Rekonstruksi Konseptual Kepemilikan Harta Perspektif Ekonomi Islam (Studi Kritis Kepemilikan Harta Sistem Ekonomi Kapitalisme. LAA Maisyir, 6(2), 211–225. https://doi.org/10.24252/lamaisyir.v6i2.11838.
This work is licensed under a 