IMPLEMENTASI AKAD-AKAD DALAM OPERASIONAL BANK SYARIAH BERDASARKAN PERSPEKTIF FIQH MUAMALAH

Authors

  • Rini Wahyuni Batubara Program Studi Ekonomi Syariah, STAIN Mandailing Natal
  • Jureid STAIN Mandailing Natal
  • Muhammad Rezki Fadly Lubis STAIN Mandailing Natal
  • Warda Afriani STAIN Mandailing Natal
  • Riska Amelia STAIN Mandailing Natal

DOI:

https://doi.org/10.30651/jms.v11i4.31788

Abstract

Penelitian ini membahas implementasi akad-akad dalam operasional bank syariah berdasarkan perspektif fiqih muamalah. Penelitian bertujuan untuk mengetahui penerapan akad penghimpunan dana, pembiayaan jual beli, pembiayaan bagi hasil, akad sewa, serta prinsip kehati-hatian dalam operasional bank syariah. Metode penelitian yang digunakan adalah penelitian kualitatif dengan pendekatan studi kepustakaan melalui berbagai jurnal dan buku terkait ekonomi Islam dan fiqih muamalah. Hasil penelitian menunjukkan bahwa implementasi akad pada bank syariah telah menggunakan akad yang sesuai dengan prinsip syariah, seperti wadi’ah, mudharabah, murabahah, salam, istishna’, musyarakah, ijarah, dan ijarah muntahiya bit tamlik. Penerapan akad tersebut dilakukan berdasarkan prinsip keadilan, transparansi, kerelaan, dan penghindaran unsur riba, gharar, serta maisir. Selain itu, penerapan prinsip kehati-hatian dan pengawasan Dewan Pengawas Syariah berperan penting dalam menjaga kepatuhan syariah pada operasional bank syariah. Meskipun demikian, masih terdapat tantangan berupa rendahnya literasi masyarakat dan potensi penyimpangan akad sehingga diperlukan penguatan edukasi dan pengawasan syariah agar implementasi akad berjalan sesuai dengan prinsip fiqih muamalah.

Published

2026-06-16

How to Cite

Batubara, R. W., Jureid , J., Lubis, M. R. F., Afriani, W., & Amelia, R. (2026). IMPLEMENTASI AKAD-AKAD DALAM OPERASIONAL BANK SYARIAH BERDASARKAN PERSPEKTIF FIQH MUAMALAH. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(4). https://doi.org/10.30651/jms.v11i4.31788

Issue

Vol. 11 No. 4 (2026)

Section

Artikel

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