COMMUNITIES RESISTENCY TOWARD ISTISHNA FUNDING POLICY

  • Abidin Abidin Universitas Islam Negeri Datokarama Palu
  • Sapruddin Sapruddin UIN Datokarama Palu
  • Murniati Ruslan UIN Datokarama Palu
Keywords: Istishna, Islamic bank, resistance, muslim community

Abstract

This study aims to map and analyze the forms, factors, and implications that cause stakeholder resistance to istishna' financing policies at Indonesian Syariah Bank in Palu and Jakarta. Data collection techniques were carried out using interview and library techniques. Data analysis uses content analysis with an objective approach to place the results of interviews and literature against each other. The data sources used are a collection of interviews and literature reviews. The results showed that there had been stakeholder resistance to istishna' financing in the two Indonesian Syariah Bankdue to being treated unfair in the form of an increase in the price of goods orders according to the length of instalments, the reworking of goods orders that were not by stakeholder tastes, and delays in delivering goods orders to stakeholders after falling. Tempo in the form of an additional budget to stakeholders. In addition, it is also found that the istishna financing process is complex, the risk of which is dominated by the burden on stakeholders. In addition, the narrowing of the istishna' financing target in the form of micro even though public interest and maqhasid sharia require a macro. Internal and external resistance factors cause stakeholder resistance to the istishna financing policy. These two factors have implications for the circulation of funds in Indonesian Syariah Bankin Palu and Jakarta, which take a long time, are unreliable, have the opportunity to go bankrupt, and take into account the possible risks that cause stakeholders' interest in using istishna financing to decrease. Actions must be taken against stakeholder resistance who experience istishna financing policies in the two Indonesian Syariah Bank, the prohibition of instalments if it causes an increase in the price of the order, the product must be completed at maturity, the product must be following the taste/agreement, there should be no additional funds due to the demand not following the agreement/customer's taste.

Downloads

Download data is not yet available.

References

At-Bukhari, Bank dan riba: Implikasinya dalam ekonomi Islam :.http://www.btn.co.id/berita.asp?action=BL&intNewsID=351, Tgl. 15 September 2007
Arif, interview, (Stakeholder BSI Jakarta Stakeholder BSI Jakarta, Jl. Tamrin, online), 9 Januari 2020. Hal sama dikatakan oleh Rahmawati, interview, (Stakeholder BSI kota Palu), 9 Januari 2020
Anas, interview, (Stakeholder BSIJakarta, Jl. Tamrin city, online), 9 Januari 2020.Hal sama dikatakan oleh Abd. Karim, interview, (Stakeholder BSI kota Palu, jl. Ratulangi, offline ), 9 Januari 2020
Abd. Jalil, interview, (stakeholder BSI Jakarta, jl. Tamrin City, online), 12 Nopember 2020. Hal sama dikatakan oleh Hakama, interview, (stakeholder BSI kota Palu, jl. Ratulangi, offline), 12 Nopember 2020
Abd. Rahman, interview, (stakeholder BSIJakarta, jl. Tamrin City, online), 12 Nopember 2020.Hal sama dikatakan oleh Ahyar, interview,(stakeholder BSI kota Palu, jl. Ratulangi, offline),12 Nopember 2021.
Andeska Putra, interview, (Funding Retail BSI kota Palu), 3 Januari 2020
Anisa Yamin, interview, (Teller BSI kota Palu), 1 Januari 2020
Abdurrahman Aljaziri,Kitabul Fiqh alal Mazhaibul Arba’ah, (Cet: I: Mesir: Al-maktabah, 1901).
Anggriani, Ria, interview, (Operasional Manager BSI kota Palu), 8 Nopember 2019.
Antonio, Muhammad Syafi‟I, Bank Syari’ah Dari Teori ke Praktek, (Jakarta:GemaInsaniPers,2005). liat juga fatwa fatwaDSNMUIakadistishna’, AdiwarmanAKarim,BankIslam,AnalisisFiqihdanKeuangan,(Jakarta :PTRajaGrafindoPersada,2010).
AsSarakhsi, AlMabsuth, (jilid12: Cet.I: Beirut : Darul Kutup Ilmiah,t.th).
Abd.Hadi,Dasar-Dasar Hukum Ekonomi Islam, (Surabaya: PutraMediaNusantara,2010).
Apriyanti, HW, Perkembangan industry perbankan syariah di Indonesia: Analisis peluang dan tantangan, (https://jurnal.unimus.ac.id › article › download, 2019).
Ayyubi, Salahuddin El dkk, The Effect of Islamic Banking to Economic Growth in Indonesia, (https://media.neliti.com › media › publications: International Journal of Islamic and Middle Eastern Finance and Management,5(1).
Antonio, M. Syafi’I, Bank Syariah: dari teori ke praktek, (Cet: I: Jakarta: Gema Insani Press, 2001).
Anwar, Lukmanul Hakim, Amelia, Pembiayaan Murabahah pada perbankan syaraih dalam perpektif hukum di Indonesia, (Vol. I:no.2: http://download.garuda.ristekdikti.go.id › article: : Jurnal Ekonomi Syariah dan Filantropi Islam:journal.uhamka.ac.id/index.php/ 2017).
Arifin, Zainul,Dasar-DasarManajemenBankSyariah,(Jakarta:AzkiaPublisher,2009).
Aminullo, Erina Maulidha, Asrul,Perekayasaan Akuntansi Istishna’ Pada Produk Pembiayaan Apartemen, (Vol 1 No, 1: Jurnal Akuntansi keuangan Islam: https://journal.sebi.ac.id/index.php/jaki/article/view/58, 2013).
Bukhari Abu Abdullah Muhammad bin Ismail bi Ibrahim bin al-Mughirat bin Bardizbat al-Bukhari. (1998), Shahih al-Bukhari, (Cet.I: Beirut : Darul Kutup Ilmiah).
BurhanuddinS,AspekhukumLembagakeuanganSyariah,(Yogyakarta:GrahaIlmu,2010).
Daroin,Ana Dhaoud Daroin, Aprilia Putri Ningtias, Permasalahan dan Solusi Pengembangan Perbankan Syariah di Kota Madiun, (Journal ilmiah ekonomi dan pembelajarannya;http://e-journal.unipma.ac.id:2020).
Danupranata, Gita,ManjaemenPerbankanSyariah,(Jakarta:SalembaEmpat,2013).
DSN-MUI, Modul Pelatihan DPS Syariah Koperasi Syariah, (Jakarta: tnp, 2018).
DSN-MUI, Modul Pelatihan DPS Syariah Koperasi Syariah, (Jakarta: tnp, 2018).
Ermawati, E., Musyahidah, S., & Nurdin, N. (2021). Muslim Society Perspective on Islamic Banking Corporate Social Responsibility in Indonesia (Based On Qur’an and Hadits Economic Themes). International Journal of Business and Management Review, 9(3), 29-40.
Fatwa DSN- MUI, Analisis implementasi akad istishna’pembiayaan rumah, (Vol 9 : no. 1: https://journal.uhamka .ac.id: Jurnal ekonomi Islam, 2018).
Fatwa DSN-MUI, praktek akad istishna’ paralel dalam jual beli, (http://ejournal.kopertais4.or.id › article › download)
FatwaNo.22/DSN-MUI/III/2002TentangJualBeliIstishna‟Pararel”.
FISIP UI, Resistensi berbasisi adat: Perlawanan Masyarakat Nagari (http://journal.ui.ac.id › article › download › pdf, 2020).
Hamzani, Havis Aravik, Achmad Irwan, dkk, The Role of the state in the Islamic economic system , (Vol I: No 1: Islamic Bancking: Jurnal pemikiran dan perbankan syariah: 8 Agustus 2021:https://doi.org/10.36908/isbank.v7i1).
Hasan, M. Ali, Berbagai Transaksi dalam Islam, (Jakarta: PT Raja Grafindo Persada, 2003).
Humaam, Ibnul, FathulQadir (jilid7: Cet.I: Beirut : Darul Kutup Ilmiah,t.th).
Hasanah, U,Bay' Al-Salam dan Bay' Al-Istisna' (Kajian Terhadap Produk, (http://jurnal.umsu.ac.id › intiqad › article › view: 2018)
Haryanto, Dampak covid-19 terhadap pergerakan nilai tukar Rupiah dan indeks saham gabungan, (Vol 4 no.2: https://journal.bappenas.go.id › article › download: The Indonesian jurnal and developmen planning, 2020).
Husni, interview, (stakeholder BSI Jakarta jl. Tamrin City, onlinekota Palu), 10 Nopember 2019. Hal sama dikatakan oleh Amiruddin, interview, (stakeholder BSI kota Palu, jl. Ratulangi, offline), 10 Nopember 2019
Hasan, M. Ali, Berbagai Macam Transaksi dalam Islam, (Jakarta: Raja Grafindo Persada, 2003).
Husaeni, the influence of marketing mix on decisions to be a islamic banking customer in cianjur regency, (vol10:no.2:Jurnal Islamic economic dan bisnis Islam,2017:https://journal.iainkudus.ac.id/index.php/IQTISHADIA/article/view/Uus%20Ahmad%20Husaeni)
Hasyim, interview, (Pegawai BSIJakarta, jl. Tamrin City, online), 12 Nopember 2020. Hal sama dikatakan oleh Ridwan, interview, (Pegawai BSIkota Palu jl. Ratulangi, offline), 12 Nopember 2020.
Hamid, interview, (Stakeholder BSI Jakarta, jl. Tamrin City, online), 10 Februari 2020. Hal sama dikatakan oleh Jamaluddin, interview, (Stakeholder BSI kota Palu, offline), 10 Februari 2020.
Ismail,PerbankanSyariah,(Jakarta:PrenadaMediaGroup,2011).
Imam, ala ad-Din Abi Bakr bin Mas’ud al-Kasani al-Hanafi, Badai’ as-Shanai’ fi Tartib asy Syarai’, Jilid 5, (Qahirah: Daar al-Hadits, 2005), 2. Lihat pula http://digilib.uinsby.ac.id/16355/5/Bab%202.pdf
Juliani, interview, (Stakeholder BSI Jakarta, jl. Tamrin City, online), 12 Oktober 2020). Hal sama dikatakan oleh Salma, interview, (Stakeholder BSI kota Palu, jl. Ratulangi, offline), 12 Oktober 2020).
Jalaluddin, interview, (Pemasok/penjual barang BSI Pusat, jl. Cik ditiro, online), 12 Nopember 2020. Hal sama dikatakan oleh Ahmad, interview, (Pemasok/penjual BSI Sulawesi Tengah, jl. Diponegoro, offline), 12 Nopember 2020.
Karim, Adiwarman ABank Islam Analisis Fiqh dan Keuangan, (Jakarta: tnp, 2018).
Kementrian Agama RI. (2010). Al-Qur’an dan Terjemahan, Bandung: CV Penerbit J-ART.
Lestari, EP, Risiko pembiayaan dalam akad istishna’ pada Bank Syariah, (Vol.02 No.1:
http://e-journal.metrouniv.ac.id › article › download: Jurnal Hukum dan Ekonomi Syari‟ah, 2013).
Lemhanas, Strategi pemulihan ekonomi pasca pandemi, (Vol.3 no.1http://jurnal.lemhannas.go.id › article › download).
Marimin, A, Perkembangan Bank Syariah di Indonesia, ( Vol 2: no:1: jurnal ilmiah ekonomi islam (jiei, 2015:https://jurnal.stie-aas.ac.id › jei › article › view).
Marimin, A, Perkembangan Bank Syariah di Indonesia, ( Vol 2: no:1: jurnal ilmiah ekonomi islam (jiei, 2015:https://jurnal.stie-aas.ac.id › jei › article › view).
Musnadib, Muh. Shabri Abd. Majid, Said dkk, A. Comparative Analisis of the quality of Islamic and conventional banks’ Asset management in Indonesia, (Vol. 16, No.14:https://jurnal.ugm.ac.id › article › download: Gadjah Mada International Journal of Business, 2014).
Musyahidah, S., Ermawati, E., & Nurdin, N. (2021). The Effect of Riba Avoidance and Product Knowledge on the Decision to Become a Customer of Islamic Banks. International Journal of Multidisciplinary Research and Analysis, 4(8), 1090-1101.
Mengkeu RI, Pemerintah waspada dampak pendemi covid-19 terhadap ekonomi Indoneisa, https://www.kemenkeu.go.id › media › sp-27-pe: video conference APBN KITA April 2020).
Muliyono, interview, (Stakeholder BSI Jakarta, Jl. Tamrin City, online), 2 Januari 2020. Hal ini dibenarkan oleh Mastura, interview, (Stakeholder BSI Kota Palu, Jl. Ratulangi, offline), 2 Januari 2020
Masni, interview, (Pegawai BM Jakarta, jl. Tamrin City, online), 8 Oktober 2019. Hal sama dikatakan oleh Anggriani, interview, (Operasional Manager BSI kota Palu, jl. Ratulangi, offline), 12 Nopember 2020
Nurhidayat Nurhidayat, Pendekatan ekonomi syariah dalam menyelesaikan masalah ekonomi akibat pandemic covid-19, (Vol 7, No 1: Jurnal pemikiran dan perbankan syariah, 2020:https://ejournal.stebisigm.ac.id/index.php/isbank/issue/view/70)
Nugroho, interview, (Pengawas BSI Pusat, online), 8 Oktober 2019.
Nurdin, N., & Pettalongi, S. S. (2022). Menggunakan Paradigma Studi Kasus Kualitatif Interpretatif Online dan Offline Untuk Memahami Efektivitas Penerapan E-Procurement. Coopetition: Jurnal Ilmiah Manajemen, 13(2), 155-168.
Qolby, ML, Economic Development anakysis journal: Faktor-faktor yang mempengaruhi pembiayaan pada perbankan syariah di Indonesia, (https://journal.unnes.ac.id › edaj › article › view, 2013).
Ratnawati, A, Potensi dan strategi pengembangan bank syariah Indonesia, (https://journal.ipb.ac.id › jmagr › article › view).
Rusli, R., Hasyim, M. S., & Nurdin, N. (2021). A New Islamic Knowledge Production And Fatwa Rulings: How Indonesia’s Young Muslim Scholars Interact With Online Sources. Journal of Indonesian Islam, 14(2), 499-518.
Syu'aibi,MM, Implementasi jual beli akad istishna’ dikonveksi duta collection’s Yayasan darut takwa sengonagung, (https://jurnal.yudharta.ac.id › malia › article › view, 2019).
Sugihamretha, I Dewa Gde, Mitigasi dampak wabah covid-19 pada sector Pariwisata,
(vol 14. No.2: https://journal.bappenas.go.id › article › download: https://journal.bappenas.go.id › article › download: The Indonesian jurnal and developmen planning, 2020).
Sofiowati, Hadis Shohih, Rof’ah, perspektif hukum islam mengenai praktik gharar dalam
tranasaksi perbankan syariah (Vol 12. No.2: Jurnal Dialogia Juridica/https://journal.maranatha.edu › article › download, 2021).
Scoot, James C. Moral Ekonomi Petani. (Jakarta: LP3S, 1976.
Suratman, , interview, (Stakeholder BSI Jakarta, Jl. Tamrin City, online), 2 Januari 2020. Hal yang sama ddinyatakan oleh Sumaila, interview, (Stakeholder BSI kota Palu, jl. Ratulangi, offline), 2 Januari 2020
Sabiq, Sayyid,FikihSunnah(Jakarta:CakrawalaPublishing,2009).
Syamsu, interview, (Operasional Manager BSI Jakarta, jl. Tamrin City, online), 8 Oktober 2019. Hal sama dikatakan oleh Diki, interview, (Operasional Manager BSI kota Palu, jl. Ratulangi, offline), 12 Nopember 2020
Sunarti, interview, (stakeholder BSI Jakarta, jl. Tamrin City, online), 12 Nopember 2020. Hal sama dikatakan oleh Rahidah, interview,(stakeholder BSI kota Palu, jl. Ratulangi, offline),12 Nopember 2021.
Sugiono, interview, (Stakeholder BSI Jakarta jl. Tanrin City, online), 23 Nopember 2020). Hal sama dikatakan oleh Rizal, interview, (Stakeholder BSI kota Palu, jl. Ratulangi,offline), 8 Oktober 2019.
Santoso, interview, Pengawas perbankan pusat, Online), 12 Oktober 2020).
Wahyudi, Imam, Dkk,ManajemenRisikoBankIslam,(Jakarta:SalembaEmpat,2010).
Wahyuni, interview, (Stakeholder BSI Jakarta, Jl. Tamrin, online), 8 Januari 2020. Hal tersebut dibenarkan oleh Jumadil, interview, (Stakeholder BSI kota Palu, offline), 8 Januari 2020.
Widodo, A, Determinanst of Islamic Rural bank financing in Indonesia, (Vol 10.no.2 https://journal.unnes.ac.id › nju › jejak › article › view,: Jurnal ekonomi dan kebijakan, 2017).
Zulkifli, interview, (Operasional Manager BSI kota Palu), 20 Nopember 2019.
Published
2022-12-10
How to Cite
Abidin, A., Sapruddin, S., & Ruslan, M. (2022, December 10). COMMUNITIES RESISTENCY TOWARD ISTISHNA FUNDING POLICY. Hunafa: Jurnal Studia Islamika, 19(2), 211-236. https://doi.org/https://doi.org/10.24239/jsi.v19i2.681.211-236