Main Article Content

Abstract

The fatwa of the DSN-MUI is the answer issued by the National Sharia Council-Indonesian Ulama Council (DSN-MUI) as an explanation of the sharia law for people who ask questions about problems in the field of Islamic economics. The goal is that sharia principles in the fatwa be implemented in contracts for Islamic Financial Institutions (LKS). However, public statements often arise that giving gifts to Islamic banks and conventional banks is the same as the scheme and method of giving. This study aims to see how the mechanism and suitability of DSN-MUI fatwa No: 86 / DSN-MUI / XII / 2012 concerning Prizes in Fundraising (Study at Bank Muamalat KCP Parepare). The results of the research can be stated that at Muamalat bank, KCP Parepare has two savings programs with prizes, the first is prizes with prizes, customers deposit funds in the amount set by the bank for a predetermined period of time, second savings plan with prizes, customers deposit money at the beginning of the amount of money that has been determined by saving each month in the amount determined by the bank, the greater the amount of money saved the greater the number of prizes received. In the DSN-MUI fatwa related to the awarding of prizes there are 3 provisions related to this, namely the first provision related to prizes, the two provisions relating to the determination of receipt of implemented prizes according to fatwa, third not the provisions concerning prizes in deposits of Third Party Funds (DPK) all points in this fatwa implemented specifically on the third point that reads should not be the norm (habit, 'urf), that the' urf or custom prohibited by DSN-MUI in the fatwa prize aims to avoid changing intentions from the customer, intention to save become the desire to get something without effort.

Keywords

Implementation DSN-MUI fatwa Prize Mechanism

Article Details

Author Biography

M. Ridwan Setiawan, Staff Mekanik Prima Motor Soreang Parepare

Staff Mekanik Prima Motor Soreang Parepare

How to Cite
Setiawan, M. R., Rahmawati, R., & Wahidin, W. (2019). IMPLEMENTASI FATWA DSN-MUI NO: 86/ DSN-MUI/ XII/ 2012 TENTANG HADIAH DALAM PENGHIMPUNAN DANA. BANCO: Jurnal Manajemen Dan Perbankan Syariah, 1(1), 23-44. https://doi.org/10.35905/banco.v1i1.693

References

  1. Amiruddin, Muhammad Majdy. 2018. “IMPOSISI FATWA TERHADAP REGULASI PERBANKAN SYARIAH.” Bilancia: Jurnal Studi Ilmu Syariah dan Hukum 12(1): 49–78.
  2. Al Bukhari, Imam Abdullah Muhammad bin Ismail, Fikih Ekonomi Syariah ,Jakarta: Rajawali Press, 2017.
  3. Antonio, Muhammad Syafi’i. 2001.Bank Syariah Dari Teori Ke Praktek ,Jakarta: Gema Insani Press.
  4. Barlinti, Yeni Salman. 2010. Kedudukan Fatwa Dewan Syariah Nasional dalam Sistem Hukum Nasional di Indonesia, Jakarta: Badan Litbang dan Diklat Kementrian Agama.
  5. Basrowi & Suwandi. ,2009.Memahami Penelitian KualitatifJakarta: PT. Asdi Mahasatya.
  6. Departemen Agama RI. 2002.Al-Qur’an Terjemahnya, Jakarta: CV Darus Sunnah.
  7. Departemen Agama RI. 2002. Al-Qur’an Terjemahnya, Semarang: PT. Karya Toha Putra Semarang.
  8. Departemen Pendidikan Nasional .2005.Kamus Besar Bahasa Indonesia Edisi Ke-3Jakarta: Balai Pustaka.
  9. Hamidi, M. Luthfi. 2003. Jejak-jejak Ekonomi Syariah , Jakarta: Senayan Abadi Publishing.
  10. Karim, Helmi. 2002.Fiqih Muamalah, Jakarta: PT. Raja Grafindo Persada, Cetakan Ketiga.
  11. Kotler, Philip. 2005.Manajemen Pemasaran, Jakarta: PT. Indeks.
  12. Mardani. 2005.Ushul Fiqh, Jakarta: PT Raja Grafindo Persada.
  13. Muhammad. 2008.Metodologi Penelitian Ekonomi Islam Pendekatan Kuantitatif, Jakarta : PT Raja Grafind Persada.
  14. Muttaqiyah, Matsna. 2014.Analisis Penerapan Fatwa Nomor 86/DSN-MUI/XII/2012 Tentang Hadiah Dalam Penghimpunan Dana Lembaga Keuangan Syariah di KJKS BINAMA Semarang, UIN Walisongo, Semarang.
  15. Noor, Dr Juliansyah, S.E, M.M. ,Metodologi Penelitian : Skripsi, Tesis, Disertasi, dan Karya Ilmiah (Jakarta: Charisma Putra Kencana)
  16. Rozalinda. 2017. Fikih Ekonomi Syariah , Jakarta: Rajawali Press.
  17. Siregar, Sofyan. 2010.Statistik Deskriptif Untuk Penelitian: Dilengkapi Perhitungan Manual Dan Aplikasi SPSS Versi Versi 17, Edisi I ( Cet, 1; Jakarta Rajawali Pers)
  18. Suhendi, Hendi. 2005.Fiqih Muamalah, (Jakarta: PT. Raja Grafindo Persada.
  19. Usman, Nurdin.2002.Konteks Implementasi Berbasis Hukum.
  20. Purnomo ,Rizky.2015.Konsep Hadiah Dalam Akad Wadi’ah Di Bank Syariah (Perspektif Fatwa DSN-MUI No.86/DSN-MUI/XII/2012), UIN Sunan Kalijaga, Yogyakarta.
  21. Sjahdeini. Sutan Remy. 2014. Perbankan Syariah , Jakarta: PT Adhitya Andrebina Agung.
  22. Sugiyono. 2010.Metode Penelitian Pendidikan Pendekatan Kuantitatif, Kualitatif, Dan R & D, Bandung: Alfabeta, Cet Ke-10
  23. Sutopo , Ariesto Hadi dan Adrianus Arief. 2010. Terampil Mengolah Data Kualitatif Dengan NVIVO, Jakarta: Prenada Media Group.
  24. Ustani, Trisadini P. dan Abd. Shomad. 2015. Transaksi Bank Syariah. Jakarta: Bumi Aksara.
  25. Warita ,Tri.2011.Pemberian Hadiah Pada Program Tabungan Muamalat Berbagi Rejeki Menurut Perspektif Ekonomi Islam (Study Pada PT. Bank Muamalat Tbk Cabang Pekanbaru), UIN Sultan Syarif Kasim, Riau.
  26. HR. Bukhari dalam Al-Adab Al-Mufrod, no. 594. Hadits ini dihasankan oleh Syaikh Al-Albani dalam Al-Irwa’, no. 1601.
  27. Fatwa DSN-MUI No. 86/DSN-MUI/XII/2012. 2018.tentang Hadiah dalam penghimpunan dana lembaga keuangan syariah.https://tafsirq.com/fatwa/dsn-mui/hadiah-dalam-penghimpunan-dana-lembaga-keuangan-syariah (diakses pada tanggal 11 april)
  28. http://id.m.Wikipedia.org /wiki/produk (20 April 2017)
  29. https://id.m.wikipedia.org/wiki/Fatwa (21 Mei 2017)
  30. http://www.kbbi.co.id (21 Mei 2017)
  31. http://www.bankmuamalat.co.id/produk-layanan-consumer (07 Maret 2018)
  32. http://www.bankmuamalat.co.id/visi misi (21 Mei 2018)
  33. https://www.scribd.com/doc/84097240/Gambaran-Umum-Bank-Muamalat-Indonesia (21 Mei 2018)