Analysis of the Wa’d Ijarah Muntahiyah Bi al-Tamlik (IMBT) Contract From the Perspective of Islamic Law and Indonesian Civil Law
DOI:
https://doi.org/10.24090/ijtimaiyya.v7i2.7170Keywords:
Ijarah Muntahiyah Bi al-Tamlik, Islamic Law, Civil LawAbstract
Akad Ijarah Muntahiyah Bi al-Tamlik (IMBT) is a lease agreement that ends with the transfer of property rights by way of sale and purchase or grants at the end of the lease period. The ijarah contract and the sale and purchase contract are connected with a promise. Based on the DSN-MUI fatwa number: 27/DSN-MUI/III/2002 concerning IMBT, the promise (wa'ad) is non-binding, thus causing legal uncertainty for LKS and customers. Then the DSN-MUI issued a fatwa number: 85/DSN-MUI/XII/2012. Then the promise (wa'ad) in the IMBT contract became binding (mulzim). Of course, this has an impact on the occurrence of ta'alluq risk and has the potential to meet conditional buying and selling. This research uses normative juridical methods with a statutory and conceptual approach. The results of the analysis show that the legal status of fulfilling promises (wa'ad) in every Sharia transaction and business is binding (mulzim) and has caused many benefits for the Islamic economic community, such as legal certainty and guaranteed contract continuity, especially in the IMBT contract. Viewed from the point of view of Indonesian Civil Law, IMBT contracts or contracts are included in non-named agreements. This is contained in Article 1319, which arises from the principle of freedom of contract (Article 1338), and IMBT contracts also meet the requirements of valid agreements as contained in Article 1320 of the Civil Code and the legal consequences caused by IMBT contracts, namely rights and obligations.Downloads
References
Abdullah, Z. (2010). Kajian Yuridis Terhadap Syarat Sah Dan Unsur-Unsur Dalam Suatu Perjanjian. Jurnal Lex Specialis, 11, 20–25.
Adiwarman Karim. (2008). Bank Islam (Analisis Fiqih dan Keuangan). RajaGrafindo Persada. https://www.google.co.id/books/edition/Bank_Islam/Z77PAQAACAAJ?hl=id
Andi, A. K. (2019). Ijarah Muntahiya Bittamlik Sebagai Solusi Ekonomi Kerakyatan. ACTIVA; Jurnal Ekonomi Syariah, 2(2), 22–43. http://www.jurnal.stitnualhikmah.ac.id/index.php/activa/article/view/489
Anshori, A. G. (2009). Perbankan Syariah di Indonesia. Universitas Gadjah Mada.
Arwan, F. M. (2009). Ijarah Muntahiya Bittamlik sebagai Kontruksi Hukum Perjanjian Sewa-Beli dalam Ekonomi Syariah.
Azwar Iskandar, & Khaerul Aqbar. (2019). Reposisi Praktik Ekonomi Islam : Studi Kritis Praktik Ekonomi Islam di Indonesia. Nukhbatul ’Ulum, 5(1), 39–53. https://doi.org/10.36701/nukhbah.v5i1.68 DOI: https://doi.org/10.36701/nukhbah.v5i1.68
Daffa Muhammad, Erina Azzahra, M. P. (2017). Analisis Akad Ijarah Muntahiya Bittamlik Dalam Perspektif Hukum Islam dan Hukum Positif di Indonesia. An-Nisbah: Jurnal Ekonomi Syariah, 3(2), 255–276. https://doi.org/10.21274/an.2017.3.2.255-276 DOI: https://doi.org/10.21274/an.2017.3.2.255-276
DSN MUI. (2002). FATWA DSN MUI Nomor: 27/DSN-MUI/III/2002 Tentang Al-Ijarah Al-Mutahiyah bi Al-Tamlik. April, 16–18. https://dsnmui.or.id/kategori/fatwa/page/12/
Farida, L. (2016). Implikasi Fatwa Dsn-Mui No. 85/Dsn-Mui/Xii/2012 Terhadap Transaksi Ijarah Muntahiya Bittamlik. http://repository.ub.ac.id/108739/
Gemala Dewi, dkk. (2018). Hukum perikatan Islam di Indonesia - Google Books (Cetakan ke). PRENADAMEDIA GROUP. https://www.google.co.id/books/edition/Hukum_Perikatan_Islam_di_Indonesia/HONUDwAAQBAJ?hl=id&gbpv=1&dq=Gemala+Dewi,+Wirdyaningsih,+dkk,+Hukum+Perikatan+Islam+di+Indonesia,+Kencana,+Jakarta,+2007&printsec=frontcover
Gumanti, R. (2012). Syarat Sahnya Perjanjian (Ditinjau Dari KUHPerdata) Retna Gumanti Abstrak. Jurnal Pelangi Ilmu, 5(1), 2.
Ismail. (2011). Perbankan Syariah. Kencana.
Luhur, M. B. (2020). Analisis Hukum Wa’ad IMBT (Ijarah Muntahiyah Bittamlik) Dalam Fatwa DSN MUI (Dewan Syari’ah Nasional – Majelis Ulama ’ Indonesia) Berdasarkan Kaidah Fiqhiyyah Irtikaabu Akhaffi al-Dhararain. UIN Syarif Hidayahtullah Jakarta.
M. Roesli, Sarbini, B. N. (2019). Kedudukan Perjanjian Baku Dalam Kaitannya Dengan Asas Kebebasan Berkontrak. Jurnal Ilmu Hukum, 15, 1–8. DOI: https://doi.org/10.30996/dih.v15i1.2260
Manan, A. (2016). Hukum Ekonomi Syariah Dalam Perspektif Kewenangan Peradilan Agama (Suwito (ed.); Cetakan ke).
Muayyad, U. (2015). Asas-asas perjanjian dalam hukum perjanjian islam. ’Anil Islam, 8(1), 1–24.
Muhaimin. (2020). Metode Penelitian Hukum. In T. M. U. Press (Ed.), News.Ge (2020th ed.). Mataram University Press.
Muhammad, A. (1992). Hukum Perikatan. Citra Aditya Bakti.
Munib, A. (2018). HUKUM ISLAM DANMUAMALAH (Asas-asas hukum Islam dalam bidang muamalah). Al-Ulum : Jurnal Penelitian Dan Pemikiran Ke Islaman, 5(1), 72–80. https://doi.org/10.31102/alulum.5.1.2018.72-80 DOI: https://doi.org/10.31102/alulum.5.1.2018.72-80
Naja, D. (2011). Akad Bank Syariah. Pustaka Yustisia.
Nurachmad. (2010). Buku Pintar Memahami dan Membuat Surat Perjanjian. Transmedia Pustaka.
Ri, A. (2011). Kompilasi Hukum Ekonomi Syariah. Mahkamah Agung.
Syarifuddin, A. (2009). Ushul Fiqh. Logos Wacana Ilmu.
Zed, M. (2004). Metode Penelitian Kepustakaan. https://www.google.co.id/books/edition/Metode_Penelitian_Kepustakaan/zG9sDAAAQBAJ?hl=id&gbpv=1&dq=mestika+zed+metode+penelitian+kepustakaan&printsec=frontcover
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2022 Suprapdi
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).