Implementasi Ta’widh dan Ta’zir dalam Perbankan Syariah: Perspektif Fatwa Majelis Ulama Indonesia

Authors

  • Rahmawati Universitas Muhammadiyah Bima
  • Juhriaty Universitas Muhammadiyah Bima
  • Jufrin Universitas Muhammadiyah Bima

DOI:

https://doi.org/10.30651/mqs.v14i1.25898

Abstract

Abstract The DSN-MUI fatwa regulates the implementation of ta'widh and ta'zir by taking into account sharia principles, ensuring that the compensation and sanction mechanisms do not contain elements of usury or injustice. From the perspective of maqashid sharia, the implementation of ta'widh and ta'zir aims to safeguard property (hifzh al-mal) and uphold justice in transactions, thereby supporting the achievement of the main objectives of sharia. This study shows that the DSN-MUI fatwa provides a clear legal basis for the implementation of both concepts, maintaining a balance between protecting the rights of transacting parties and the continuity of fair and sustainable sharia banking practices. Using a descriptive qualitative approach and normative analysis, this study explores how the MUI fatwa regulates the implementation of ta'widh and ta'zir and how its implementation is relevant to the main objectives of maqashid sharia, namely safeguarding property, justice, and social balance in Islamic economics.

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Published

09-05-2025

Issue

Vol. 14 No. 1 (2025): Maqasid Jurnal Studi Hukum Islam

Section

Artikel

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