M. Wildan Nurrahman, Muh Nashirudin

Implementasi Kaidah Al-Hajah Tunazzalu Manzilat Ad-darurah dalam Pengambilan Ujrah pada Produk dan Layanan Lembaga Keuangan Syariah

Introduction

Implementasi kaidah al-hajah tunazzalu manzilat ad-darurah dalam pengambilan ujrah pada produk dan layanan lembaga keuangan syariah. Kaji implementasi kaidah al-hajah tunazzalu manzilat ad-darurah untuk penetapan ujrah di lembaga keuangan syariah. Menyeimbangkan kebutuhan & prinsip syariah Islam.

Abstract

Penelitian ini  menganalisis implementasi kaidah al-hajah tunazzalu manzilatad ad-darurah dalam penetapan ujroh pada produk dan layanan lembaga keuangan syariah. Kaidah ini memberikan kelonggaran dalam pengambilan keputusan hukum atas dasar kebutuhan masyarakat di era ini. Dengan menggunakan metode kualitatif, normatif-teologis, dan yuridis-analitis, penelitian ini mengeksplorasi penerapan kaidah tersebut dalam konteks keuangan syariah, khususnya dalam kebijakan pengenaan biaya jasa atau ujroh. Dalam penelitian ini, data dikumpulkan melalui studi kepustakaan yang mencakup literatur klasik dan kontemporer, fatwa DSN-MUI. Hasil analisis terhadap 4 fatwa DSN MUI menunjukkan bahwa kaidah al-hajah tunazzalu manzilatad ad-darurah dapat dijadikan landasan argumentatif bagi lembaga keuangan syariah dalam menghadapi kebutuhan mendesak, seperti kebijakan pengambilan ujroh, Dan pembolehan transaksi yang pada dasarnya terlarang melalui kaidah ini tetap tidak boleh menabrak larangan yang bersifat qa?h‘?, sehingga DSN-MUI tetap melakukan modifikasi terhadap akad-akad yang mengandung unsur riba

Review

This paper undertakes a timely and relevant analysis of the implementation of the Islamic legal maxim *al-hajah tunazzalu manzilat ad-darurah* (necessity takes the place of dire necessity) within the context of determining *ujrah* (fees/wages) for products and services offered by Islamic financial institutions (LKS). The research clearly articulates the significance of this *kaidah* in providing flexibility for legal decisions driven by contemporary societal needs, a crucial aspect for the adaptability and growth of Islamic finance. Employing a robust methodological framework encompassing qualitative, normative-theological, and juridical-analytical approaches, the study effectively positions itself to explore the nuanced application of this principle in a practical, real-world setting. The findings of this research offer valuable insights into how *al-hajah tunazzalu manzilat ad-darurah* serves as a foundational argumentative basis for LKS in addressing pressing needs, particularly concerning ujrah policies. By specifically analyzing four fatwas issued by the DSN-MUI, the paper provides concrete evidence of the *kaidah*'s practical application. A particularly critical contribution is the emphasis that while this principle allows for leniency, it strictly prohibits transgressing *qaṭ‘ī* (definitive) prohibitions. This nuance is further elaborated by demonstrating that the DSN-MUI, instead of outright permitting prohibited transactions, opts for modifying contracts that contain elements like *riba*, thereby upholding Shariah principles while striving to meet contemporary demands. While the paper successfully establishes the utility of *al-hajah tunazzalu manzilat ad-darurah* in ujrah determination and highlights the DSN-MUI's approach, a deeper exploration into the specific mechanisms and extent of these "modifications" to contracts containing *riba* elements would further enrich the analysis. The abstract hints at these modifications but does not delve into their nature or how they are structured to remove the prohibited elements while still addressing the underlying need. Future research could benefit from case studies that detail these modifications across a wider range of products and services, perhaps even comparing different interpretations or applications by other regulatory bodies. Nevertheless, this study provides a strong foundational understanding of how a critical Islamic legal principle is navigated and applied within the dynamic landscape of modern Islamic finance.

Full Text

Comments

You need to be logged in to post a comment.