R. P. Sari
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摘要

伊斯兰金融机构的学者和从业人员,仅仅了解muamalah的律法及其应用是不够的,更重要的是了解伊斯兰金融机构融资中每种产品的律法建议,例如为企业提交融资资金。对于伊斯兰金融机构来说,有了这种融资资本的提供,他们可以将资本资金投入到实体部门,并可以帮助那些需要商业资本的人。例如,在Baitul Maal Wat Tamwil的运作中,预计该研究所将管理为微型企业开发的资金和管理美德基金或社会基金(天课、Infaq和Sedekah)。本文旨在解释伊斯兰教金融机构发展中的伊斯兰教建议在确定东南堡BMT Nurul Husna Batanghari融资的融资金额方面的紧迫性,并概述了改善金融机构(BMT Nurul Husna Batanghari)真正符合伊斯兰教法律的解决方案。本研究采用描述性定性研究方法,采用访谈、观察和文献资料收集技术。因此,在伊斯兰金融机构的发展中,确定在东南榜的BMT Nurul Husna Batanghari融资的融资金额,直到现在还没有按照伊斯兰法律。BMT规定向客户提供融资金额的10%作为保证金。这违反了伊斯兰法中关于发放失业金的规定,因为这不是确定的,是自愿的。实施infaq既要赢得客户与BMT之间的相互同意,又不违反伊斯兰教法的规定,可以由BMT在融资交易中向客户订立合同时进行,最好是自愿的,不规定客户必须发行的infaq的金额,BMT在融资合同交易时必须向客户提供infaq资金分配的说明
本文章由计算机程序翻译,如有差异,请以英文原文为准。
URGENSI USUL FIKIH DALAM PERKEMBANGAN LEMBAGA KEUANGAN SYARIAH (STUDI PELAKSANAAN PENETAPAN BESARAN INFAK ATAS PEMBIAYAAN DI BMT NURUL HUSNA BATANGHARI LAMPUNG TIMUR)
Academics and practitioners of Islamic financial institutions, are not enough just to know the fiqh of muamalah and its application, but more important is to understand the fiqh proposal of each product in financing in Islamic financial institutions, for example in submitting financing capital for a business. For Islamic Financial Institutions, with the provision of this financing capital, they can play capital funds into the real sector and can help those who need business capital. Baitul Maal Wat Tamwil for example, in its operation the institute is projected to manage funds developed for micro-enterprises and manage virtue funds or social funds (Zakat, Infaq and Sedekah). This paper aims to explain the urgency of the fiqh proposal in the development of sharia financial institutions in determining the amount of infaq for financing at BMT Nurul Husna Batanghari in East Lampung, and outlines the solution to improving financial institutions (BMT Nurul Husna Batanghari) to be truly in accordance with Islamic law. . This study uses descriptive qualitative research methods, with data collection techniques using interviews, observation and documentation. As a result, in the development of Islamic financial institutions in determining the amount of infaq for financing at BMT Nurul Husna Batanghari, East Lampung, until now it has not been in accordance with Islamic law. The BMT stipulates the infaq amount of 10% of the amount of financing to customers. This is contrary to the provision of issuing infaq in Islamic law which is not determined and is voluntary. The implementation of the infaq to win mutual agreement between the customer and the BMT and not violate the provisions of Islamic law, can be done by the BMT when making contracts to customers in financing transactions, preferably voluntary, does not specify the amount of infaq that must be issued by the customer, and BMT must provide explanation of the distribution of infaq funds to customers when financing contract transactions
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