Keywords
Development of Banking performanca
Islamic Banking
Maqasid Al-Shariah
Islamic Banking
Maqasid Al-Shariah
How to Cite
Ramdani Harahap, S. A., Maulana, H., Maemunah, H., & Rahmadani, M. R. (2024). The Maqasid Al-Shariah Model and Its Application in Islamic Banking: An Analysis From Scholars And Academics Perspective. El-Kahfi | Journal of Islamic Economics, 5(01), 91-102. https://doi.org/10.58958/elkahfi.v5i01.229
Abstract
Islamic banking is struggling in maintaining it in the financial industry by adhering to sharia principles. The development of Islamic banking continues to increase, starting from the performance, products, and other services. However, there are some problems in Islamic banking such as the murobahah financing which still supports the approval of Islamic banking and the lack of public understanding of about Islamic finance products. The research method used in this study through a qualitative approach to the form of stages of observation, interviews with practitioners and academics to complete the data and data documentation. To achieve valid results, interviews were conducted using purposive sampling techniques. This research reveals that in general the main purpose of maqāṣid al-sharī‘ah according to the agreement of the scholars is to achieve maslahah. To see the above, the maqāṣid al-sharī‘ah model is one model that can measure the performance of Islamic banking with a conception based on Islamic scholars. The three main points that become aspects of the benchmark are Tahdhib al-Fard (Educating individuals), Iqamah al-`Adl (Establishing justice) and Jalb al-Maslahah (Promoting Welfare).
References
‘Ashur, M. al-T. I. (2013). Treatise on maqāṣid al-sharī‘ah. International Institute of Islamic Thought.
‘Ashur, M. at-T. I. (2001). al-Maqoshid as-Syariah al-Islamiyyah. Dar al-Nafa’is.
Abdullah, M. N. A. (1998). Tahlil Makhotiru al-Ististmari fi al-mashorif al-Islamiyah baina an-Nadzhriyyah wa at-Tathbiq. al-Ardan.
Abdurrahman, D. (2007). Pengantar Metode Penelitian. Kurnia Alam Semesta.
Abdurrahman, R. H. (2005). Al-bunuk wa al Muamalah al-Mashrofiyyah wa at-Ta’min. Dar al-Salam.
Ad-Dhomman, M. (2006). Assasiyyatu al-bahtsu al-ilmi. Daru al-Maysiroh.
Ahmad, S., Harahap, R., & Hanifuddin, I. (2019). Qardul Hasan Principles: Theory And Implementation In Islamic Banking. Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 4(2), 140–148.
Alhamid, T. (2019). Perkembangan Perbankan Syariah Di Indonesia (2009-2018) Dan Sumber Daya Manusianya. Sekolah Tinggi Agama Islam Negeri (STAIN) Sorong. Unpublished, 10, 1–5.
Anggara, F. S. A. (2023). AN ANALYSIS OF ISLAMIC LEADERSHIP STYLE AT. Islamic Business and Management Journal, 1–11.
Antonio, M. S. (2001). Bank Syariah: Dari Teori ke Praktik.
Antonio, S., & Nugraha, H. F. (2013). Peran Intermediasi Sosial Perbankan Syariah bagi Masyarakat Miskin. Tsaqafah, 9(1), 123. https://doi.org/10.21111/tsaqafah.v9i1.43
Astuti, R. Y. (2023). the Influence of Work Discipline and Compensation on Employee Performance. Islamic Business and Management Journal, 1(2), 81–94. https://doi.org/10.61397/mfc.v1i2.48
Auda, J. (2007). Maqoshid as-Syariah as Philosophy of Islamic Law, t. The International Institue of Islamic Though.
Auda, J. (2013). Al-Maqoshid Untuk Pemula. Suka Press.
Djatmiko, H. (2019). Re-formulation zakat system as tax reduction in Indonesia. Indonesian Journal of Islam and Muslim Societies, 9(1), 135–162. https://doi.org/10.18326/ijims.v9i1.135-162
Faizah, A. D. R. S. I. (2019). 8. Kesejahteraan Dalam Perspektif Maqashid Syariah Pada Karyawan Badan Amil. Jurnal Ekonomi Syariah Teori Dan Terapan Vol. 6 No. 12Desember2019:, 6(12), 2498–2511.
Firmansah, Y. (2023). RESILIENCE : HOW ACADEMICS STAY AFTER MULTIPLE. Islamic Business and Managemen Journal UNIDA Gontor, 6(2).
Ghozali, I. (n.d.). Mustasyfa fii Ushul Fiqh.
Hartono, J. (2016). Metodelogi Penelitian Bisnis. BPFE.
Ibrahim, A., & Salam, A. J. (2021). A comparative analysis of DSN-MUI fatwas regarding murabahah contract and the real context application (A study at Islamic Banking in Aceh). Samarah, 5(1), 372–401. https://doi.org/10.22373/sjhk.v5i1.8845
Ika Yunia Fauzia, A. K. R. (2015). Prinsip Dasar Ekonomi Islam Perspektif Maqashid al-syariah. Kencana.
Iqbal, a. (2023). Optimization Of The National Zakat Amil Agency In Efforts Of Distributing Zakat Funds. Islamic Business and Management Journal, 6(2).
Irawan, M. (2018). Politik Hukum Ekonomi Syariah Dalam Perkembangan Lembaga Keuangan Syariah Di Indonesia. Jurnal Media Hukum, 25(1), 10–21. https://doi.org/10.18196/jmh.2018.0097.10-21
Lemiyana. (2017). ANALISIS KOMPARASI KINERJA KEUANGAN PERBANKAN KONVENSIONAL DAN PERBANKAN SYARIAH (Studi kasus PT Bank Negara Indonesia, Tbk dan PT Bank Negara Indonesia Syariah, Tbk). I-Finance Vol.1. No 1. Juli, 1(1), 53–66.
Luthfiyah, M. F. dan. (2017). Metodelogi Penelitian; Penelitian Kualitatif, Tindakan Kelas Dan Studi Kasus. CV Jejak.
Maulana, H., & Umam, K. (2018). Identifying Financial Exclusion and Islamic Microfinance as An Alternative to Enhance Financial Inclusion. International Journal of Islamic Business and Economics (IJIBEC), 99–106. https://doi.org/10.28918/ijibec.v1i2.1004
Mifrahi, M. N., & Fakhrunnas, F. (2018). Islamic Bank peformance based on Maqasid Based Performance Evaluation Model (MPEM). Jurnal Ekonomi & Keuangan Islam, 4(2), 93–103. https://doi.org/10.20885/jeki.vol4.iss2.art6
Mohammed, M. O., & Taib, F. M. (2016). The Performance Measurement of Islamic Banking Based on the Maqasid Framework. Islamic Financial Economy and Islamic Banking, 1967(June), 94–113. https://doi.org/10.4324/9781315590011-6
Mohammed, M. O., Tarique, K. M., & Islam, R. (2015). Measuring the performance of Islamic banks using maqasid based model. Intellectual Discourse, 23, 401–424.
Nofinawati. (2016). JURIS (Jurnal Ilmiah Syariah). JURIS (Jurnal Ilmiah Syariah), 14(2), 168.
Nurfattah, A., & Bachtiar, R. (2023). Optimizing waqf management for social impact. Islamic Business and Management Journal, 6(2).
Putra, W., Amalia, D., & Hamidah, K. (2023). ANALYSIS OF THE INFLUENCE OF BRAND EQUITY , TRUST , AND FACILITIES ON CONSUMER DECISION-MAKING ( CASE STUDY ON TOUR & TRAVEL SERVICES HAJJ UMRAH ASBIHUNU PONO- ROGO ). Islamic Business and Management Journal, 6(1).
Rahmah, S. (2019). Kualitas Sumber Daya Manusia Terhadap Pembiayaan Murabahah Pengembangan Umkm. Laa Maisir, 6(259), 90–111.
Ramadhani, R. R. and R. (2016). Analisis Perbandingan Kinerja Perbankan Syariah Di Indonesia dan Malaysia Ditinjau Dari Maqashid Shariah Index. Simposium Nasional Akuntansi XIX, Lampung, 1–24.
Rambe, S. E., Hasibuan, B. H., Haryadi, I., Ahmad, S., & Harahap, R. (2023). SUSTAINABLE ISLAMIC DEVELOPMENT MANAGEMENT BASED ON MAQASHID SYARIAH. 6(2).
Rofi, A. (2023). THE EFFECT OF FINANCIAL PERFORMANCE ON INVESTOR RESPONSE BEFORE AND AFTER STOCK SPLIT IN COMPANIES LISTED ON THE INDONESIAN SHARIA. 6(1).
Rofiqoh, Luluk Wahyu, M. G. (2018). Kepatuhan Syariah Akad Murabahah Dalam Konsep Pembiayaan Pada Perbankan Syariah Di Indonesia. Jurnal Studi Islam Dan Muamalah, 6(2), 46.
Rumasukun, M. A., & Ghozali, M. (2016). Implementasi Akad Murabahah Dalam Perbankan Syariah di Indonesia. Islamic Economics Journal, 2(1). https://doi.org/10.21111/iej.v2i1.968
Rusydiana, A., & Sanrego, Y. D. (2018). Measuring the Performance of Islamic Banking in Indonesia: an Application of Maslahah-Efficiency Quadrant (Meq). Journal of Islamic Monetary Economics and Finance, 3, 103–130. https://doi.org/10.21098/jimf.v3i0.909
Shofawati, A. (2014). Murabahah Financing in Islamic Banking: Case Study in Indonesia. Proceedings of 5th Asia-Pacific Business Research Conference, 17(4), 978–979.
Sirajuddin. (2016). KONSEP PEMIKIRAN EKONOMI AL-GHAZALI. LAA MAISYIR, 3(1), 46.
Sujarweni, W. (2014). Metodelogi Penelitian. Pustaka baru Press.
Sulaiman, S. (2016). Penyimpangan Akad Murabahah. Iqtishodia, 1(2), 1–16.
Umam, K. (2016). Perbankan Syariah: Dasar-dasar dan Dinamika Perkembangannya di Indonesia. PT Rajagrafindo Persada.
Werdi Apriyanti, H. (2018). Perkembangan Industri Perbankan Syariah Di Indonesia : Analisis Peluang Dan Tantangan. Maksimum, 8(1), 16. https://doi.org/10.26714/mki.8.1.2018.16-23
Wijayani, D. R. (2017). Kepercayaan Masyarakat Menabung pada Bank Umum Syariah. Muqtasid: Jurnal Ekonomi Dan Perbankan Syariah, 8(1), 1. https://doi.org/10.18326/muqtasid.v8i1.1-17
Wira, A., Handra, H., & Syukria, A. (2018). Pengukuran Kinerja Perbankan Syariah Dengan Menggunakan Indeks Maqashid Syariah. Maqdis : Jurnal Kajian Ekonomi Islam, 3(2), 148.
Zahrah, M. A. (1958). Ushul Fiqh. Darul Fikri al-’arab.
Zarkasyi, H. F. (2020). Minhaj Berislam Dari Ritual Hingga Intelektual. Insists.
Zatadini, N. S. (2019). Konsep Maqashid Syariah Menurut Iman Asy-Syatibi. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 4(1), 1–14.
‘Ashur, M. at-T. I. (2001). al-Maqoshid as-Syariah al-Islamiyyah. Dar al-Nafa’is.
Abdullah, M. N. A. (1998). Tahlil Makhotiru al-Ististmari fi al-mashorif al-Islamiyah baina an-Nadzhriyyah wa at-Tathbiq. al-Ardan.
Abdurrahman, D. (2007). Pengantar Metode Penelitian. Kurnia Alam Semesta.
Abdurrahman, R. H. (2005). Al-bunuk wa al Muamalah al-Mashrofiyyah wa at-Ta’min. Dar al-Salam.
Ad-Dhomman, M. (2006). Assasiyyatu al-bahtsu al-ilmi. Daru al-Maysiroh.
Ahmad, S., Harahap, R., & Hanifuddin, I. (2019). Qardul Hasan Principles: Theory And Implementation In Islamic Banking. Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 4(2), 140–148.
Alhamid, T. (2019). Perkembangan Perbankan Syariah Di Indonesia (2009-2018) Dan Sumber Daya Manusianya. Sekolah Tinggi Agama Islam Negeri (STAIN) Sorong. Unpublished, 10, 1–5.
Anggara, F. S. A. (2023). AN ANALYSIS OF ISLAMIC LEADERSHIP STYLE AT. Islamic Business and Management Journal, 1–11.
Antonio, M. S. (2001). Bank Syariah: Dari Teori ke Praktik.
Antonio, S., & Nugraha, H. F. (2013). Peran Intermediasi Sosial Perbankan Syariah bagi Masyarakat Miskin. Tsaqafah, 9(1), 123. https://doi.org/10.21111/tsaqafah.v9i1.43
Astuti, R. Y. (2023). the Influence of Work Discipline and Compensation on Employee Performance. Islamic Business and Management Journal, 1(2), 81–94. https://doi.org/10.61397/mfc.v1i2.48
Auda, J. (2007). Maqoshid as-Syariah as Philosophy of Islamic Law, t. The International Institue of Islamic Though.
Auda, J. (2013). Al-Maqoshid Untuk Pemula. Suka Press.
Djatmiko, H. (2019). Re-formulation zakat system as tax reduction in Indonesia. Indonesian Journal of Islam and Muslim Societies, 9(1), 135–162. https://doi.org/10.18326/ijims.v9i1.135-162
Faizah, A. D. R. S. I. (2019). 8. Kesejahteraan Dalam Perspektif Maqashid Syariah Pada Karyawan Badan Amil. Jurnal Ekonomi Syariah Teori Dan Terapan Vol. 6 No. 12Desember2019:, 6(12), 2498–2511.
Firmansah, Y. (2023). RESILIENCE : HOW ACADEMICS STAY AFTER MULTIPLE. Islamic Business and Managemen Journal UNIDA Gontor, 6(2).
Ghozali, I. (n.d.). Mustasyfa fii Ushul Fiqh.
Hartono, J. (2016). Metodelogi Penelitian Bisnis. BPFE.
Ibrahim, A., & Salam, A. J. (2021). A comparative analysis of DSN-MUI fatwas regarding murabahah contract and the real context application (A study at Islamic Banking in Aceh). Samarah, 5(1), 372–401. https://doi.org/10.22373/sjhk.v5i1.8845
Ika Yunia Fauzia, A. K. R. (2015). Prinsip Dasar Ekonomi Islam Perspektif Maqashid al-syariah. Kencana.
Iqbal, a. (2023). Optimization Of The National Zakat Amil Agency In Efforts Of Distributing Zakat Funds. Islamic Business and Management Journal, 6(2).
Irawan, M. (2018). Politik Hukum Ekonomi Syariah Dalam Perkembangan Lembaga Keuangan Syariah Di Indonesia. Jurnal Media Hukum, 25(1), 10–21. https://doi.org/10.18196/jmh.2018.0097.10-21
Lemiyana. (2017). ANALISIS KOMPARASI KINERJA KEUANGAN PERBANKAN KONVENSIONAL DAN PERBANKAN SYARIAH (Studi kasus PT Bank Negara Indonesia, Tbk dan PT Bank Negara Indonesia Syariah, Tbk). I-Finance Vol.1. No 1. Juli, 1(1), 53–66.
Luthfiyah, M. F. dan. (2017). Metodelogi Penelitian; Penelitian Kualitatif, Tindakan Kelas Dan Studi Kasus. CV Jejak.
Maulana, H., & Umam, K. (2018). Identifying Financial Exclusion and Islamic Microfinance as An Alternative to Enhance Financial Inclusion. International Journal of Islamic Business and Economics (IJIBEC), 99–106. https://doi.org/10.28918/ijibec.v1i2.1004
Mifrahi, M. N., & Fakhrunnas, F. (2018). Islamic Bank peformance based on Maqasid Based Performance Evaluation Model (MPEM). Jurnal Ekonomi & Keuangan Islam, 4(2), 93–103. https://doi.org/10.20885/jeki.vol4.iss2.art6
Mohammed, M. O., & Taib, F. M. (2016). The Performance Measurement of Islamic Banking Based on the Maqasid Framework. Islamic Financial Economy and Islamic Banking, 1967(June), 94–113. https://doi.org/10.4324/9781315590011-6
Mohammed, M. O., Tarique, K. M., & Islam, R. (2015). Measuring the performance of Islamic banks using maqasid based model. Intellectual Discourse, 23, 401–424.
Nofinawati. (2016). JURIS (Jurnal Ilmiah Syariah). JURIS (Jurnal Ilmiah Syariah), 14(2), 168.
Nurfattah, A., & Bachtiar, R. (2023). Optimizing waqf management for social impact. Islamic Business and Management Journal, 6(2).
Putra, W., Amalia, D., & Hamidah, K. (2023). ANALYSIS OF THE INFLUENCE OF BRAND EQUITY , TRUST , AND FACILITIES ON CONSUMER DECISION-MAKING ( CASE STUDY ON TOUR & TRAVEL SERVICES HAJJ UMRAH ASBIHUNU PONO- ROGO ). Islamic Business and Management Journal, 6(1).
Rahmah, S. (2019). Kualitas Sumber Daya Manusia Terhadap Pembiayaan Murabahah Pengembangan Umkm. Laa Maisir, 6(259), 90–111.
Ramadhani, R. R. and R. (2016). Analisis Perbandingan Kinerja Perbankan Syariah Di Indonesia dan Malaysia Ditinjau Dari Maqashid Shariah Index. Simposium Nasional Akuntansi XIX, Lampung, 1–24.
Rambe, S. E., Hasibuan, B. H., Haryadi, I., Ahmad, S., & Harahap, R. (2023). SUSTAINABLE ISLAMIC DEVELOPMENT MANAGEMENT BASED ON MAQASHID SYARIAH. 6(2).
Rofi, A. (2023). THE EFFECT OF FINANCIAL PERFORMANCE ON INVESTOR RESPONSE BEFORE AND AFTER STOCK SPLIT IN COMPANIES LISTED ON THE INDONESIAN SHARIA. 6(1).
Rofiqoh, Luluk Wahyu, M. G. (2018). Kepatuhan Syariah Akad Murabahah Dalam Konsep Pembiayaan Pada Perbankan Syariah Di Indonesia. Jurnal Studi Islam Dan Muamalah, 6(2), 46.
Rumasukun, M. A., & Ghozali, M. (2016). Implementasi Akad Murabahah Dalam Perbankan Syariah di Indonesia. Islamic Economics Journal, 2(1). https://doi.org/10.21111/iej.v2i1.968
Rusydiana, A., & Sanrego, Y. D. (2018). Measuring the Performance of Islamic Banking in Indonesia: an Application of Maslahah-Efficiency Quadrant (Meq). Journal of Islamic Monetary Economics and Finance, 3, 103–130. https://doi.org/10.21098/jimf.v3i0.909
Shofawati, A. (2014). Murabahah Financing in Islamic Banking: Case Study in Indonesia. Proceedings of 5th Asia-Pacific Business Research Conference, 17(4), 978–979.
Sirajuddin. (2016). KONSEP PEMIKIRAN EKONOMI AL-GHAZALI. LAA MAISYIR, 3(1), 46.
Sujarweni, W. (2014). Metodelogi Penelitian. Pustaka baru Press.
Sulaiman, S. (2016). Penyimpangan Akad Murabahah. Iqtishodia, 1(2), 1–16.
Umam, K. (2016). Perbankan Syariah: Dasar-dasar dan Dinamika Perkembangannya di Indonesia. PT Rajagrafindo Persada.
Werdi Apriyanti, H. (2018). Perkembangan Industri Perbankan Syariah Di Indonesia : Analisis Peluang Dan Tantangan. Maksimum, 8(1), 16. https://doi.org/10.26714/mki.8.1.2018.16-23
Wijayani, D. R. (2017). Kepercayaan Masyarakat Menabung pada Bank Umum Syariah. Muqtasid: Jurnal Ekonomi Dan Perbankan Syariah, 8(1), 1. https://doi.org/10.18326/muqtasid.v8i1.1-17
Wira, A., Handra, H., & Syukria, A. (2018). Pengukuran Kinerja Perbankan Syariah Dengan Menggunakan Indeks Maqashid Syariah. Maqdis : Jurnal Kajian Ekonomi Islam, 3(2), 148.
Zahrah, M. A. (1958). Ushul Fiqh. Darul Fikri al-’arab.
Zarkasyi, H. F. (2020). Minhaj Berislam Dari Ritual Hingga Intelektual. Insists.
Zatadini, N. S. (2019). Konsep Maqashid Syariah Menurut Iman Asy-Syatibi. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 4(1), 1–14.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.