EVALUASI KESESUAIAN PRAKTIK AKAD DENGAN FATWA DSN DAN FIQH MUAMALAH
Abstract
In the Islamic economic system, contracts (akad) constitute the fundamental basis governing relationships and transactions among individuals and institutions. Akad serve not merely as formal agreements but also as manifestations of moral and spiritual commitment to Islamic legal principles. In practice, however, discrepancies frequently occur between normative sharia principles and their implementation within Islamic financial institutions. These discrepancies potentially undermine public trust, institutional legitimacy, and the ethical foundation of Islamic finance. Therefore, evaluating the conformity of akad practices with the fatwas issued by the National Sharia Council of the Indonesian Ulama Council (DSN-MUI) and the principles of fiqh muamalah becomes essential. This study examines the extent to which akad practices align with sharia norms, identifies contributing factors to non-compliance, and highlights the legal, ethical, and social implications arising from such inconsistencies.
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