PROBLEMS OF AL-SHARF IMPLEMENTATION IN SHARIA BANKING (STUDY LITERATURE)
DOI:
10.54443/ijebas.v2i2.218Published:
2022-04-30Downloads
Abstract
This study aims to analyze the problems that occur in the implementation of the Sharf contract in Indonesian Islamic banking, this research method is a descriptive qualitative research design with Literature Review or literature review. The results of this study are currency exchange is allowed when if it can be proven that there are no elements of gharar, maisir, usury and juhala, Al-sarf which is allowed in Islamic Sharia is only Spot Transactions while Forward Transactions and Swap Transactions are unlawful, There are problems in the implementation of Al -Sharf such as there should be no delay in payment, it is difficult to identify the customer's purpose for exchanging currency, while it is known that the Al-sarf transaction should not be carried out for the purpose of speculation (chance) or because there is a need for a transaction or as a precaution (savings). And the lack of customer literacy in knowing how to calculate or determine the exchange rate, how to calculate the currency exchange rate itself, so that in Al-Sharf transactions it can cause gharar because it is not understood by both parties to the transaction.
Keywords:
Al-Sharf Implementation Challenges Islamic BankReferences
Abdurohman, Dede. “Jurnal Ekonomi Dan Bisnis Islam Jurnal Ecopreneur Analisis Transaksi Lindung Nilai Syariah ( Al-Tahawwuth Al- Islami / Islamic Hedging ) Atas Nilai Tukar” 1 (2020): 55–72.
Abilawa, M Sabeth, and Rohman Siddiq. “Determinan Permintaan Uang Di Indonesia.” Jurnal Ekonomi-Qu 6, no. 1 (2016): 54–68.
Amri, Andi, and Zulmi Ramdani. “Pengaruh Nilai Tukar, Kebijakan Dividen Dan Struktur Modal Terhadap Return Saham Pada Perusahaan Yang Terdaftar Di Jakarta Islamic Index.” Jurnal Ilmu Keuangan dan Perbankan (JIKA) 10, no. 1 (2020): 17–36.
Aryani, Mila. “Analisis Fatwa Dewan Syari’ah Nasional Majelis Ulama Indonesia No. 28/DSN-MUI/III/2002 Tentang Jual Beli Mata Uang (Al-Sharf),” no. 28 (2008): 75.
Dewan Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI). “Fatwa DSN-MUI Nomor 28 Tahun 2002 Tentang Jual Beli Mata Uang (Ash Sharf).” Fatwa (2002): 4.
Farida, Alimatul. “Analisis Mekanisme Jual Beli Mata Uang ( Al-Sharf ) Menurut Fatwa DSN-MUI No . 28 / MUI / III / 2002” 12, no. 2 (2021): 137–150.
Ilman, M. Rizky Kurnia Sah & La. “AL-SHARF DALAM PANDANGAN ISLAM M.” Jurnal Ulumul Syar’i 7, no. 2 (2018): 45.
Mubarokah, Solikatun. “Analisis Pemikiran Ekonomi Yusuf Qardhawi Tentang Mengambil Keuntungan Berlebihan Dalam Jual-Beli” (n.d.).
Musa, Musa. “Determinan Keputusan Menjadi Nasabah Jual Beli Valas (Al-Sharf) Di Bank Syariah.” Al-Tijary 5, no. 2 (2020): 109–124.
Sahroni, Oni, Hasanuddin, and Cecep Maskanul Hakim. “Instrumen Hedging Dan Solusinya Menurut Syariah.” Al-Intaj Jurnal Ekonomi dan Perbankan Syariah 2, no. 2 (2016): 71–88.
Suhartono, Suhartono, and Nurwahida Nurwahida. “Transaksi Mata Uang Asing (Al-Sharf) Dalam Perspektif Islam Pada Bank Syariah Mandiri Cabang Makassar.” Al-Mashrafiyah: Jurnal Ekonomi, Keuangan, dan Perbankan Syariah 5, no. 1 (2021): 34.
License
Copyright (c) 2022 Mai Simahatie, Saparuddin Siregar, Sugianto
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Downloads
How to Cite
