Study Literatur Hawalah dan Ji’alah : Implementasi dan Aplikasinya Akad pada Transaksi Bank Syariah

Authors

  • Yori Kurniawati Universitas Islam Negeri Sjech M.Djamil Djambek Bukittinggi
  • Kiki Razroma Yantika Universitas Islam Negeri Sjech M Djamil Djambek Bukittinggi
  • Riski Murdani Universitas Islam Negeri Sjech M Djamil Djambek Bukittinggi
  • Aidil Alfin Universitas Islam Negeri Sjech M Djamil Djambek Bukittinggi

DOI:

https://doi.org/10.55606/jimak.v4i2.4711

Keywords:

Literature Study, Hawalah, Ji'alah, Implementation, Application of Contracts, Sharia Bank Transactions

Abstract

This study aims to examine  the Literature Study of Hawalah and Ji'alah: Implementation and Application of Akad in Sharia Bank Transactions. This method aims to develop  the Study of Hawalah Dan Ji'alah Literature: Implementation and Application of Akad in Sharia Bank Transactions, focusing on the application of application in daily life. The data in this study was collected through the search of relevant documents and secondary sources, such as: Articles from national and international journals indexed by SINTA and Scopus, related to the Literature Study of Hawalah Dan Ji'alah and its Application of Akad in Sharia Bank Transactions. The results of the research are that the Hawalah and Ji'alah Contracts are part of the muamalah instrument in Islam which has an important function in regulating sharia economic activities. Hawalah as a debt transfer mechanism has evolved from traditional practices to financial instruments used in various Islamic banking services such as credit cards and factoring. Meanwhile, Ji'alaj as a contract to provide rewards for a service or work whose results are uncertain, provides space for flexibility in various fields such as education, business, and technology.

References

A. S. Harahap. (2020). Konsep hawalah dalam perspektif fikih muamalah kontemporer. Jurnal Hukum Islam dan Ekonomi, 12(2), 145–160.

AAOIFI. (2021). Shari’ah standards, Standard No. 23 on Ju‘alah. AAOIFI.

Ahmad, S., & R. K. (2021). Integration of hawalah with other Islamic contracts in modern finance. International Journal of Islamic Economics and Finance, 8(2), 158.

Ahmad Sulaiman. (2023). Review kritis terhadap aplikasi ji’alah dalam produk syariah kontemporer. Mazahibuna: Jurnal Perbandingan Mazhab, 15(2), 210–212.

Aidil Fikriadi, & Azmil Umur. (2024). The concept of debt transfer (hiwalah) in Islamic banking based on DSN-MUI Fatwa No. 31/DSN-MUI/VI/2002. Al-Mudharabah, 5(2), 418.

Al-Amin, A.-A., & Andespa, W. (2022). Income and cost analysis of profitability in the Baitul Maal Wa Tamwil Sidogiri Savings and Loans Cooperative, Mempawah Branch. JOVISHE: Journal of Visionary Sharia Economy, 1(1), 75–87.

Al-Amin, A.-A., Andespa, W., & Bashir, H. (2022). Peran Baitul Maal Wa Tamwil (BMT) Sidogiri Unit Cabang Sui Kunyit terhadap pemberdayaan usaha mikro kecil di Desa Sui Kunyit Hulu. Bullet: Jurnal Multidisiplin Ilmu, 1(6), 1214–1227.

Al-Khalidi, M. (2019). Hawalah in classical Islamic jurisprudence. Journal of Islamic Law and Culture, 12(3), 210.

Al Khansa Sulaiman Dawood Al Raisi, et al. (2016). Implication of ḥawālah in Islamic finance practice. International Journal of Management and Applied Research, 3(3), 113.

Al-Qurthubi. (2002). Tafsir al-Jami‘ li Ahkam al-Qur’an. Dar Ihya’ al-Turat.

Amin, A.-A., & Taufiq, M. M. (2023). Analisis pengaruh hifdz al maal terhadap pengelolaan harta pada pedagang Muslim Pasar Aur Kuning Kota Bukittinggi. JESI (Jurnal Ekonomi Syariah Indonesia), 12(2), 163–169.

Dewan Syariah Nasional Majelis Ulama Indonesia. (2002). Fatwa Nomor 31/DSN-MUI/VI/2002 tentang akad hawalah. DSN-MUI.

Fatimah Izzati. (2023). Analisis komparatif ji’alah dan jiarah dalam perspektif fikih dan aplikasinya pada produk syariah. Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah, 15(1), 37–38.

Hassan, M., & A. A. (2022). Challenges of implementing hawalah in contemporary Islamic financial institutions. Journal of Islamic Finance, 9(1), 158.

M. A. Rahman. (2022). Legal framework of hawalah and its application in Islamic financial institutions. Journal of Islamic Law and Culture, 19(3), 315.

M. Riswandi, & M. Quraish. (2022). Ju‘alah contract as a platform for innovation in sharia economy. Al-Shajarah: Journal of the International Institute of Islamic Thought and Civilization (ISTAC), 27(1), 75–99.

Muhammad bin Ismail al-Bukhari. (n.d.). Kitab al-Ijarah, Hadis No. 5737.

Muhammad Ilham Nasution. (2022). Urgensi akad ju‘alah dalam lembaga keuangan syariah. Jurnal Iqtishadia: Jurnal Ekonomi Syariah dan Ekonomi Islam, 13(2), 145–160.

N. Sulaiman, M. J. Noor, & H. H. (2023a). Hawalah as a risk management tool in Islamic banking. Journal of Financial Services in Islamic Banking, 15(4), 411–427.

N. Sulaiman, M. J. Noor, & H. H. (2023b). Hawalah as a risk management tool in Islamic banking. Hawalah as a Risk Management Tool in Islamic Banking, 15(4), 420–421.

Nur Rohmah. (2021). Konsep ju‘alah dalam perspektif ekonomi syariah dan implementasinya pada produk jasa. Jurnal Ilmiah Ekonomi Islam, 7(2), 125–138.

Nurul Azizah Siregar. (2023). Tinjauan fiqh muamalah terhadap akad ji’alah dan relevansinya dalam layanan digital syariah. Jurnal Hukum Ekonomi Syariah, 6(2), 112–114.

R. Ramli, & E. Reksonita. (2021). The role of hawalah in Islamic finance: An overview. International Journal of Islamic Banking and Finance, 8(1), 23–35.

Rahman, M. A. (2022). Legal framework of hawalah and its application in Islamic financial institutions. Journal of Islamic Law and Culture, 19(3), 310–325.

Rina Rahmawati. (2023). Konsep ji’alah sebagai alternatif akad imbalan dalam sayembara digital syariah. Jurnal Ilmiah Ekonomi Islam, 9(4), 1567–1570.

Sudiarti, M. A. H., & S. (2022a). Kontrak jasa pada perbankan syariah: Wakalah, kafalah dan hawalah. Reslaj: Religion Education Social Laa Roiba Journal, 4(1), 48.

Sudiarti, M. A. H., & S. (2022b). Kontrak jasa pada perbankan syariah: Wakalah, kafalah dan hawalah. Reslaj, 4(1), 51.

Suhaini, A., M. J. Noor, & N. S. (2023a). Critical review on hawalah in Islamic finance: Rukun and syarat. International Journal of Islamic Banking and Finance, 10(1), 28.

Suhaini, A., M. J. Noor, & N. S. (2023b). Critical review on hawalah in Islamic finance: Rukun and syarat. International Journal of Islamic Banking and Finance, 10(1), 420.

Sulaiman, N., M. J. Noor, & H. H. (2023). Evolution of hawalah: From classical jurisprudence to contemporary Islamic finance. Journal of Financial Services in Islamic Banking, 15(4), 425.

Sulaiman, S., Alamsyah, D., & Irfan, M. (2020). Empowerment of the poor through zakat and wakaf: The case of Indonesia. International Journal of Islamic Economic and Finance, 13(1), 1–20.

Umur, A. F., & A. (2024). The concept of debt transfer (hiwalah) in Islamic banking based on DSN-MUI Fatwa No. 31/DSN-MUI/VI/2002. Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah, 5(2), 415.

Wahbah al-Zuhayli. (2007). Al-Fiqh al-Islami wa Adillatuhu (Vol. 4).

Downloads

Published

2025-06-30

How to Cite

Yori Kurniawati, Kiki Razroma Yantika, Riski Murdani, & Aidil Alfin. (2025). Study Literatur Hawalah dan Ji’alah : Implementasi dan Aplikasinya Akad pada Transaksi Bank Syariah. Jurnal Ilmiah Manajemen Dan Kewirausahaan, 4(2), 584–600. https://doi.org/10.55606/jimak.v4i2.4711