Ta'zir Concept in Sharia Banking (Analysis of Fatwa DSN MUI Number: 17/DSN-MUI/IX/2000)
Konsep Ta'zir dalam Perbankan Syariah (Analisis Fatwa DSN MUI Nomor: 17/DSN-MUI/IX/2000)
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(1) * Muhammad Hanafiah
Antasari State Islamic University
Indonesia
(2) Anwar Hafidzi
Antasari Islamic State University
Indonesia
(*) Corresponding Author
Abstract
This research proves that the giving of ta'zir in the DSN MUI fatwa is based on mutual agreement which aims to obtain rights as users and depositors. The method used in this study is a literature review with a normative legal approach to the MUI DSN fatwa NUMBER: 17 / DSN-MUI / IX / 2000. this research found that ta'zir is a sanction in the form of money (a fine), the amount of which is not determined, but rather was made based on the agreement of both parties. In addition, the fine funds are not used as bank revenue but as social funds. Penalty is not to replace the value of real loss that must be experienced (fixed cost) by the bank, but so that customers are more disciplined in carrying out their obligations.
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Yasmin, S., Ghafran, C., & Haslam, J. (2020). Centre-staging beneficiaries in charity accountability: Insights from an Islamic post-secular perspective. Critical Perspectives on Accounting, 102167. doi: 10.1016/j.cpa.2020.102167
Yufitasari, A. P. (2019). Analisis hukum Islam dan Fatwa DSN MUI Nomor 17/DSN-MUI/IX/2000 terhadap penundaan pembayaran pada pembiayaan Musharakah di BMT An Nur Rewwin Sidoarjo (PhD Thesis). UIN Sunan Ampel Surabaya.
Adil, M. A. M., & Abdullah, A. B. (2016). The Application of Shariah Principles of Ta’zir In Malaysian Common Law: A Maqasid-based Proposal. Islam and Civilisational Renewal (ICR), 7(1).
Apriliani, L. A. (2020). Analisis Fatwa DSN MUI No. 17/DSN-MUI/IX/2000 Tentang Penerapan Denda Keterlambatan Pada Pembiayaan Gadai Emas Di Pegadaian Syariah. Prosiding Hukum Ekonomi Syariah, 6(2).
Belkhir, M., Grira, J., Hassan, M. K., & Soumaré, I. (2019). Islamic banks and political risk: International evidence. The Quarterly Review of Economics and Finance, 74, 39–55. doi: 10.1016/j.qref.2018.04.006
Berg, N., El-Komi, M., & Kim, J.-Y. (2016). Market segmentation and non-uniform Shariah standards in Islamic finance. Journal of Economic Behavior & Organization, 132, 39–49. doi: 10.1016/j.jebo.2016.03.019
Chen, T.-H. (2020). Do you know your customer? Bank risk assessment based on machine learning. Applied Soft Computing, 86, 105779. doi: 10.1016/j.asoc.2019.105779
Christiani, T. A. (2016). Normative and Empirical Research Methods: Their Usefulness and Relevance in the Study of Law as an Object. Procedia-Social and Behavioral Sciences, 219, 201–207.
Çokgezen, M., & Kuran, T. (2015). Between consumer demand and Islamic law: The evolution of Islamic credit cards in Turkey. Journal of Comparative Economics, 43(4), 862–882. doi: 10.1016/j.jce.2015.07.005
Fadillah, R. (2020). HADIS-HADIS TENTANG JASA (FEE-BASED SERVED): WAKALAH, KAFALAH, HAWALAH. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 2(2), 125–146.
Fadli, F. (2017). Penerapan Denda Murabahah Menurut Fatwa Dewan Syariah Nasional Dsn/mui (Studi di PT. Bank Muamalat Indonesia Cabang Padangsidimpuan). JURIS (Jurnal Ilmiah Syariah), 16(2), 219–231.
Farhan, L. L. (2018). Penerapan akad hawalah dalam transaksi over kredit mobil ditinjau berdasarkan fatwa Dewan Syariah Nasional No: 12/DSN-MUI/IV/2000: studi kasus di Kecamatan Sukahaji Kabupaten Majalengka (PhD Thesis). UIN Walisongo.
Fransiskawati, A. (2018). Tinjauan Hukum Ekonomi Syariah Terhadap Sanksi Pembiayaan Murabahah bagi Nasabah yang Bermasalah (Studi Kasus Di BMT El-Hidayah Purwosari Batanghari Nuban Lampung Timur) (PhD Thesis). IAIN Metro.
Gaganis, C., Galariotis, E., Pasiouras, F., & Staikouras, C. (2020). Bank profit efficiency and financial consumer protection policies. Journal of Business Research, 118, 98–116. doi: 10.1016/j.jbusres.2020.06.033
Hafidzi, A. (2017). Prasyarat Poligami Dalam Kitab Fiqih Islam Dan Kompilasi Hukum Islam Perspektif Maslahah Mursalah. Al-Daulah: Jurnal Hukum Dan Perundangan Islam, 7(2), 366–392.
Harmoko, I. (2019). Analisis Penerapan Denda Keterlambatan Pembayaran Angsuran dalam Akad Pembiayaan Murabahah di Bank Syariah (Berdasarkan Fatwa No. 17/dsn-mui/ix/2000). Qawãnïn: Journal of Economic Syaria Law, 3(1), 32–49.
Hasanah, M. (2018). Penerapan denda ta’zir pada produk pembiayaan mikro di BRI Syariah KCP Kopo (PhD Thesis). UIN Sunan Gunung Djati Bandung.
Himmah, V. M. (2018). Komparasi pelaksanaan denda (ta’zir) pembiayaan multijasa di BPR Syariah HIK cabang Cikarang dan BTN Syariah KCP Bandung (PhD Thesis). UIN Sunan Gunung Djati Bandung.
Hosseini, S. H., & Khoshvaght, G. (2016). The jurisprudential and legal survey of ta’zir (rebuke), as specified and authorized by religious laws. International Journal of Research in Social Sciences, 6(10), 304–312.
Hutami, H. S. W., & Triyanto, A. (2016). Eksekusi Jaminan Pada Pembiayaan Bermasalah Di BMT Bima Kota Magelang (Telaah Fatwa DSN MUI NO. 17/DSN/IX/2000). Cakrawala: Jurnal Studi Islam, 11(2), 204–216.
Istiqomah, M. L. (2020). Penyelesaian Sengketa Jaminan Fidusia Perspektif Kompilasi Hukum Ekonomi Syariah di PT. Bank Pembiayaan Rakyat Syariah Metro Madani Kota Metro (PhD Thesis). IAIN Metro.
Lepenioti, K., Bousdekis, A., Apostolou, D., & Mentzas, G. (2020). Prescriptive analytics: Literature review and research challenges. International Journal of Information Management, 50, 57–70. doi: 10.1016/j.ijinfomgt.2019.04.003
Lestari, F. K., & Nurhasanah, N. (2020). Tinjauan Fatwa DSN MUI NO. 17/DSN/IX/2000 Tentang Sanksi Atas Nasabah Mampu Yang Menunda-nunda Pembayaran Terhadap Upaya penyelesaian Pembiayaan Bermasalah Di BPRS AL SALAAM Cabang Bandung. Prosiding Hukum Ekonomi Syariah, 6(2).
Muhajirin, M. (2019). AL-GHARAMAH AL-MALIYAH: Studi Kasus Penerapan Denda Pada Kasus Penundaan Pembayaran Akad Utang Piutang. Al-Mashlahah Jurnal Hukum Islam Dan Pranata Sosial, 7(02), 235–256.
Nurmusyahidah, N., Hamid, A., & Famauri, A. T. (2019). Problematic Financing Fine in Indonesian Ulema Council Perspective. International Journal of Multicultural and Multireligious Understanding, 6(5), 241–249.
Pulungan, L. (2018). Komparasi ta’wid karena wanprestasi antara kitab undang-undang hukum perdata dengan kompilasi hukum ekonomi syariah (PhD Thesis). IAIN Padangsidimpuan.
Putri, L. K. (2016). Penerapan Fatwa DSN-MUI No. 17/DSN-MUI/IX/2000 Tentang Sanksi atas Nasabah Mampu yang Menunda-nunda Pembayaran di Bank BNI Cabang Banjarmasin.
Rahmah, T. K., Abdurrahman, A., & Nurhasanah, N. (2016). Analisis Hukum Islam tentang Penerapan Fatwa DSN MUI Nomor 88/DSN-MUI/XI/2013 pada Dana Pensiun Lembaga Keuangan (DPLK) pada PT. Bank Muamalat Indonesia Tbk.(Studi Kasus Bank Muamalat KCP Salman ITB). Prosiding Hukum Ekonomi Syariah, 556–561.
Stefhany, H. M. (2019). Penerapan sanksi denda (Ta’zir) dalam pembiayaan modal kerja dengan menggunakan akad murabahah di Bank bjb Syariah Kantor Pusat Braga Bandung (PhD Thesis). UIN Sunan Gunung Djati Bandung.
Sunur, Y. L. (2018). Analisis fatwa Dsn No. 17/DSN-MUI/IX/2000 terhadap penentuan kemampuan nasabah di Pegadaian Syari’ah Cabang Babakan Surabaya (PhD Thesis). UIN Sunan Ampel Surabaya.
Toha, M. (2018). PENERAPAN FATWA DSN-MUI NO. 17/DSN-MUI/IX/2000 TENTANG SANKSI ATAS NASABAH MAMPU YANG MENUNDA-NUNDA PEMBAYARAN (STUDI KASUS BMT AHMAD DAHLAN CAWAS) (PhD Thesis). IAIN Surakarta.
Yasmin, S., Ghafran, C., & Haslam, J. (2020). Centre-staging beneficiaries in charity accountability: Insights from an Islamic post-secular perspective. Critical Perspectives on Accounting, 102167. doi: 10.1016/j.cpa.2020.102167
Yufitasari, A. P. (2019). Analisis hukum Islam dan Fatwa DSN MUI Nomor 17/DSN-MUI/IX/2000 terhadap penundaan pembayaran pada pembiayaan Musharakah di BMT An Nur Rewwin Sidoarjo (PhD Thesis). UIN Sunan Ampel Surabaya.
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2021-04-18
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