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Abstract: The terms of the earlier people's sharia or called syar’u man qablanâ are one of the legal
arguments in Islam that have been debated by scholars related to their validity. Therefore, it is necessary to
conduct related research on the concept of syar’u man qablanâ and its implementation in the field of
mu’âmalah mâliyyah. This research uses a normative juridical approach. The sources of this study are
primary and secondary sources. This research is descriptive and classified as qualitative research. The
results showed that the implementation of the sharia of the previous people in the field of mu’âmalah
mâliyyah was the Ju’âlah contract, the Ijârah contract, the Dhamân Mâ Tafsadahu al-Dawwâb al-Mursalah,
the kafâlah bi al-wajh (bi al-nafs) contract and the qismah muhaya’ah contract.
Abstrak: Syarat-syariat umat terdahulu atau disebut dengan syar’u man qablanâ merupakan salah satu dalil
hukum dalam Islam yang menjadi perdebatan para ulama terkait dengan keabsahannya. Oleh karena itu,
perlu dialkukan penelitian terkait mengenai konsep mengenai syar’u man qablanâ dan implementasinya
dalam bidang mu’âmalah mâliyyah. Penelitian ini menggunakan pendekatan yuridis normatif. Sumber
penelitian ini adalah sumber primer dan sekunder. Penelitian ini bersifat deskriptif dan tergolong penelitian
kualitatif. Hasil penelitian menunjukan bahwa impelementasi syariat umat terdahulu dalam bidang
mu’âmalah mâliyyah adalah akad Ju’âlah,akad Ijârah, Dhamân Mâ Tafsadahu al-Dawwâb al-Mursalah, akad
kafâlah bi al-wajh (bi al-nafs) dan akad qismah muhaya’ah .
shari'a of the earlier people which is still the earlier peoples that the Shari'a
valid today. 6 Thus it is necessary to conduct passed down to the prophets and
a study of the forms of syar’u man qablanâ in rasul_nya to be conveyed to his
the context of mu’âmalah mâliyyah. people".
6 8
Panji Adam, Fikih Muamalah Kontemporer: Zaki al-Din Sya’ban, Ushȗl al-Fiqh al-Islâmȋ,
Perkembangan Akad-Akad dalam Hukum Ekonomi (Istambul: Dâr Tahqȋq al-Kitâb, 2019), p. 215.
9
Syariah, (Malang: Inteligensia Media, 2021), p. 63. Musthafa Sa’id al-Khin, al-Kâfȋ al-Wâfȋ Fȋ Ushȗl
7
Abd al-Karim Zaidan, al-Wajȋz Fȋ Ushȗ al-Fiqh, al-Fiqh al-Islâmȋ, (Beirut: Muasasah al-Risâlah, 2000), p.
(Beirut: Muasasah al-Risâsalah, 2015), p. 247. 233.
82
83 | Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi dan Keagamaan
Vol. 09, No. 01, 2022 Syar’u Man Qablanâ And It’s Implementation
P-ISSN: 2355-5173 E-ISSN: 2656-9477 In Sharia Economic Law (Mu’âmalah Mâliyyah)
those who are immersed in the creed to the scholars do not differ in opinion about being
degree of tyranny, as a sanction for their recognized and required to practice by
killing of the Prophets, and the various Muslims. For example, the obligation to fast
wrongs they have committed. as stated in the Quran surah al-Baqarah
verse 183. Thus the law of fasting is
Examples of hadiths that narrate
obligatory upon muslims as is required of
about the nasakh of the law/sharia of the
the previous people. Similarly, the hadith of
previous people include the hadith narrated
the Prophet narrated by Imam Ahmad of
by Imam al-Bukhari and Muslims of Jabir Ibn
Zaid Ibn Arqam regarding sacrificial worship
Abdullah:
is as follows:
ُصلَّى هللا
َِّ ول
َ اَّلل ُ ال َر ُس َ َ ق:ال َّ ابُِر بْ ُن َعْب ِد
َ َ ق،ِاَّلل ََي: أ َْو قَالُوا:ت َ ََع ْن َزيْ ِد بْ ِن أ َْرقَ َم ق
ُ قػُ ْل:ال
ِ ِ
َح ٌد
َ يت َخَْ ًسا ََلْ يػُ ْعطَ ُه َّن أُ " أ ُْعط:َعلَْيو َو َسلَّ َم ُ " ُسنَّة:ال َ َاح مي؟ ق ِ هللا ما ى ِذ ِه ْاألَض
َ َ َ
ِ ول َ َر ُس
14
)(رواه البخاري ومسلم...ِم َن األَنْبِيَ ِاء قَػْبلِي " :ال َ َ َما لَنَا ِمْنػ َها؟ ق: قَالُوا." أَبِي ُك ْم إِبْػَر ِاى َيم
"I was given the right of 1/5 of the ِ ول
هللا َ ََي َر ُس: قَالُوا." ٌبِ ُك ِّل َش ْعَرٍة َح َسنَة
spoils of war, which was not given to
the Prophet before me". وؼِ ص " بِ ُك ِّل َش ْعَرةٍ ِم َن ال م:ال َ َوؼ؟ قُ ص فَال م
ِ ِ 16
فَأَمُّيَا،ورا
ً ض َم ْسج ًدا َوطَ ُه ُ ت ِيل األ َْر ْ ََو ُجعل )َح َسنَةٌ " (رواه اَحد
ِ َّ َُر ُج ٍل ِم ْن أ َُّم ِيت أ َْد َرَكْتو
تْ َّ َوأُحل،ص ِّل َ ُالصالَةُ فَػ ْلي from Zaid ibn Arqam he said; I said or
16
Abu Abdullah Ahmad Ibn Muhammad Ibn
14
Muhammad Ibn Isma’il Abu Abdullah al- Hanbal Ibn Hilal Ibn Asad al-Syaibani, Musnad al-Imâm
Bukhari, Shahȋh al-Bukhârȋ, (Kairo: Dâr al-Hadȋts, 0228), Ahmad Ibn Hanbal, (Beirut: Muasasah al-Risâlah, 2001),
j 1, h. 222. Lihat juga, Muslim Ibn al-Hajaj Abu al-Hasan j. 32, p. 34.
17
al-Qusyairi al-Naisaburi, Shahȋh Muslim, (Kairo: Dâr al- Muhammad Musthafa al-Zuhaili, al-Wajȋz Fȋ
Hadȋts, 1997), j. 1, p. 383. Ushȗl al-Fiqh al-Islâmȋ, (Damaskus: Dâr al-Khair, 2006),
15
Ibid. j. 1, p. 275.
ني ِ ِ وأَنْػزلْنا إِلَيك الْ ِكتاب ِاب َْل ِق م infidels (who get protection) are
َ ْ َص ّدقًا ل َما بػ
َ ُ َّ َ َ َ ْ ََ َ subjected to qishâsh just as dzimmi
ِ َي َديِْو ِمن الْ ِكت
اب infidels kill Muslims. Meanwhile, the
َ َ Shafi'iyyah clerics who did not
enforce the Jewish sharia for
And We have handed down to you
Muslims understood the verse that
the Qur'an by bringing the truth,
there was no need for a balance in
justifying what was before, namely
the practice of qishâsh between
the books (which were handed
Muslims and non-muslims as
down earlier)... (Q.S al-Maidah: 48).
imposed on Jews. Therefore, if
ور ََْي ُك ُم ِهبَا ِ ِ
ٌ ُإ َّان أَنْػَزلْنَا التػ َّْوَراةَ ف َيها ُى ًدى َون
muslims kill dzimm infidels, then the
law of qishâsh does not apply. But
ِ َِّ ِ َّ ِ
ادواُ ين َى َ َسلَ ُموا للذ ْ ين أ َ النَّبيمو َن الذ
what is the dzimmi kafir who killed
the Muslims, then the qishâsh was
استُ ْح ِفظُوا ِم ْن ِ
ْ َحبَا ُر ِبَا
ِ َّ و
ْ الرَّابنيمو َن َو ْاأل َ imposed
َِّ اب
اَّلل َوَكانُوا َعلَْي ِو ُش َه َداء ِ َكِت 2. According to the scholars of Mu'tazilah,
Shi'a some of the Shafi'iyah circles and
one of the opinions of Imam Ahmad, the
Verily We have sent down the Book sharia before Islam, that is, there is no
of the Torah in it (there is) clue about nasakh or its permanence,
instruction and light (which does not become sharia for Muslims and
illuminates), by which the Book was is not obliged to be practiced. Their
decided the cause of the Jews by the reasons are as follows:
prophets who surrendered a. That the earlier sharia was temporary
19
Abu Dawud Sulaiman Ibn Al-Asy’ats Ibn Ishaq
18
Abu Bakar Ibn Abi Syaibah, al-Kitâb al- Ibn Basyir Ibn Syidad Ibn ‘Amr al-Azdi al-Sijistani, Sunan
Mushanaf Fȋ al-Ahâdȋts wa al-Âtsar, (Riyadh: Maktabah Abȋ Dâwud, (Beirut: al-Maktabah al-‘Ashriyyah, t.th), j.
al-Rusyd, 1409 H), j. 6, p. 303. 3, p. 303.
Book of God?" Mu'adz replied, "I will Zahrah,21 the issue of syar’u man qablanâ
return to the sunnah of the should not be a topic that revolves around
Messenger of Allaah sallallahu 'alaihi the dissent of scholars. for according to him,
wasallam. He said again: "If you do every matter established by Allah in the
not get in the Sunnah of the Quran and mentioned by the hadith as the
Messenger of Allaah sallallahu 'alaihi law of shari'a which applies specifically to
wasallam and in the Book of Allah?" some of the people of the past, must be
Mu'adz replied, "I will use my supported by the existence of a postulate
opinion, and I will not diminish." Then that shows that specificity, or the existence
the Messenger of Allaah sallallahu of a postulate that indicates the permanent
'alaihi wasallam patted his chest and validity of the provisions of that law which
said: "All praise be to Allah who has are universal for all ages.
instructed the messenger of the Abu Zahrah further explained that,
Messenger of Allah to do what based on the results of research on the nash-
pleases the Messenger of Allah. nash of the Quran or hadith, it was found
that there was not a single nash-pun that
In the dialogue, there was no raised the story of the earlier people without
instruction from the Prophet being equipped with the information that
Muhammad Saw to refer to the the legal provisions contained in the story
shari'a of the earlier prophets. If the were special or general. If this is the case,
sharia of the earlier prophets could then the scholarly dissent should not have
be used as a reference by Mu'adz, it occurred. For the sharia of the earlier
would have been that the Prophet people, if there is a proposition that explains
Saw gave instructions for it. that it applies specifically, it cannot be used
as a hujjah by the agreement of the clergy.
According to Abd al-Wahab Khalaf,20 whereas if there is a postulate that explains
the râjih (superior) opinion between the generally applicable, it can be used as a
two pendpaats above is the first opinion, hujjah .
that is, the opinion that states that it
remains valid and obligatory to be recited
Result and Discussion
over the syar’u man qablanâ. The reason is
that Islamic sharia only invalidates laws that Based on the author's findings, there
happen to be different from Islamic sharia. are at least 5 forms of contract in the study
Therefore, all the sharia laws of the previous of mu’âmalah mâliyyah which is a form of
prophet mentioned in the Quran without implementation of the previous sharia
any stipulation that the laws have been (syar’u man qablanâ) in mu’âmalah mâliyyah
nasakhed (abolished), then those laws transaction activities, namely as follows:
remain valid for the people of Prophet
Muhammad Saw. In addition, the mention of Akad Ju’âlah
these laws in the Quran which is a guide for Ju’âlah is unique in terms of the
Muslims, indicates the validity for the people science of contract in the fiqh of mu'âmalah
of Muhammad Saw. mâliyyah. In general, scholars argue that
According to Muhammad Abu Ju’âlah belongs to the domain of treaty
agreements, as stipulated in the law of
treaties (also known as the law of
20 21
Abd al-Wahab Khalaf, ‘Ilm Ushȗl al-Fiqh, Muhammad Abu Zahrah, Ushȗl al-Fiqh, (Kairo:
(Kairo: Dâr al-Rasyȋd, 2008), p. 84. Dâr al-Fikr al-‘Arabȋ, t.th), p. 294.
engagement), because Ju’âlah contains (can (wages), and a period of time. 24 The
give birth to) rights and obligations born Hanafiyyah cleric only allowed the Ju’âlah
because of agreements. 22 contract to return the fleeing slaves on the
Literally, the word Ju’âlah means a grounds of istihsan, i.e. allowed him to give
promise to give a reward or 'iwadh/jâizah (al- gifts to those who managed to carry out the
Ju’âlah aw al-wa'ad bi al-jâizah) to another fleeing slaves for a period of three days or
party if it succeeds in achieving a certain more in exchange (ju’l) amounting to 40
natȋjah. The 'âmil party is not entitled to a dirhams.
reward from the jâ'il party if it is unable to
According to the Malikiyyah,
achieve natȋjah perfectly. In other words,
Shafi'iyyah and Hanabilah scholars, they
Ju’âlah language has the meaning of a
argue that the law of Ju’âlah is permissible.
promise to give a gift (i.e. the giving of a gift,
It is based on the syar’u man qablanâ (shari'a
wages, fees or specified compensation). It is
of the earlier people) which is the story of
a contract or covenant based on personal
the Prophet Yusuf which is contained in the
will.
Quran surah Yusuf verse 72 as follows:
In terms of syara' which is enshrined
with the Ju’âlah contract is as follows:
ك َولِ َم ْن َجاءَ بِِو َِحْ ُل
ِ ِاع الْمل
َ َ ص َو
ِ
ُ قَالُوا نػَ ْفق ُد
أو،التزام عوض معلوم على عمل معني
)27( يم ِ ِِ ٍ ِ
23
عسر علمو،جمهول ٌ بَعْي َوأ ََان بو َزع
"The impersonators said: "We lost the
"A commitment to providing a clear king's trophy, and whoever can return
reward for a particular or unknown it will get food (as heavy as) the
job that is difficult to learn" burden of a camel, and I guarantee
In simple terms, it can be said that against it". (Q.S Joseph: 72).
Ju’âlah is a request from a person to return The above verse is a postulate for the
the lost goods with the specified majority of scholars to allow the Ju’âlah
payment/wage. In this simple sense, the contract. In addition, according to the
Ju’âlah contract is almost similar to the Scholars Malikiyyah and Hanabilah, verse 72
competition institutions that are commonly of the above letter of yusuf is a form of
practiced in society. syar’u man qablanâ and the law still applies
According to the Hanafiyaah school, as a result of the proposition that nasakh it.
25
the Ju’âlah contract is not broken because it
contains the element of gharar in it, namely Akad Ijârah
the vagueness of the work and the specified
period of time. Hanafiyyah scholars Ijârah is etymologically the mashdar
analogize with the Ijârah contract which of the word ياجر-( اجرajara-ya'jiru), that is, the
requires the existence of a job, kataah wages given as compensation for a job.
According to M. Rawas Qal'aji, Ijârah comes
from the sentence اجارة-ياجر- اجرplural اجورwhich
means ( الجزاء على العملsomething you give to
22 24
Jaih Mubarok dan Hasanudin, Fikih Panji Adam, Fikih Muâmalah Mâliyyah:
Mu’amalah Maliyyah: Akad Ijarah dan Ju’alah, Konsep, Regulasi dan Implementasi, (Bandung: Refika
(Bandung: Simbiosa, 2017), p. 272. Aditama, 2017), p. 352-353.
23 25
Wahbah al-Zuhaili, al-Fiqh al-Islâmȋ wa Musthafa Dib al-Bugha, Atsar al-Adillah al-
Adillatuh, (Beirut: Dâr al-Fikr al-Mu’âshir, 0210), j. 4, p. Mukhtalif Fȋhâ: Mashâdir al-Tasyrȋ’ al-Tabi’iyyah Fȋ al-
578. Fiqh al-Islâmȋ, (Beirut: Dâr al-Qalam, 2013), p. 545.
others in the form of wages in work). 26 us) is a strong man who can again be
trusted". (Q.S al-Qashash: 26).
The definition of Ijârah contract in
sharia terminology as presented by Umar The person who works in this verse
Abdullah Kamil is: means to work with the Ijârah contract.
Providing rentals for services owned by the
27
االجارة شرعا عقد يفيد متليك املنافع بعوض Prophet Moses. Renting someone's services
to do a certain job is an Ijârah contract that
"An agreement that results in a is allowed in mu’âmalah mâliyyah activities.
transfer of ownership of a benefit The tenant of the services in the story as
accompanied by a reward/wage"
stated in the voice of al-Qashash verse 26
The Ijârah contract is the association above is the father of the two women while
of property with benefits. Because of such a the one who is hired for services is the
definition, scholars generally call it the sale Prophet Moses, while his job is to herd the
and purchase of benefits (bai’ al-manâfi’). goats belonging to the family. 29
The Ijârah contract in terms of its object can
Dhamân Mâ Tafsadahu al-Dawwâb al-
be divided into 2 (two), namely: (1) Ijârah Mursalah
whose object benefits over an item/object
called rent (al-Ijârah); and (2) Ijârah whose The next implementation according
object of service (labor or expertise of to the scholars based on syar’u man qablana
mansusia) is called wages or labor for in the field of mu’âmalah mâliyyah is the
services (al-kirâ). According to the obligation to compensate for crops or
Malikiyyah scholar's version, rent whose anything that has been damaged by a
object is human labor/merit is called al- person's livestock. In fiqh terms mu’âmalah
Ijârah, while rent whose object benefits an mâliyyah the concept of indemnity for crops
object is called al-kirâ.28 damaged by one's farm animals is called
"Dhamân Mâ Tafsadahu al-Dawwâb al-
One of the juridical foundations of the
Mursalah".
Ijârah contract is allowed based on syar’u
man qablanâ, namely the kisan of Prophet According to the view of Imam Malik,
Moses 'Alahi Salam and the two daughters Shafi'i and Ahmad Ibn Hanbal, the damage
of prophet Syu'aib. This is as stated in the done by a person's livestock must be
Quran surah al-Qashash verse 26 as follows: reimbursed by the owner of the livestock if
the destruction occurs at night, but if the
استَأْ ِج ْرهُ إِ َّن َخْيػَر َم ِن ِ ُ ت إِ ْح َد
ْ اُهَا ََيأَبَت ْ َقَال destruction occurs during the day, then
ِِ
Umar Abdullah Kamil, al-Qawâ’id al-Fiqhiyyah
al-Kubrâ wa Atsaruhâ Fȋ al-Mu’âmalât al-Mâliyyah, )23( ين َ فيو َغنَ ُم الْ َق ْوم َوُكنَّا َلُكْمه ْم َشاىد
(Kairo: Universitas al-Azhar, t.th), h. 508.
28
Ahmad Hasan, Nadzariyyah al-Ujȗr Fȋ al-Fiqh
29
al-Islâmȋ: Dirâsah Tahlȋliyyah Mubtakirah li Fiqh al- M. Pudjihardjo, dkk, Ushul Fikih Ekonomi
Mu’âmalât al-Mâliyyah, (t.t: Dâr Iqra, t.th), h. 13. Syariah, (Malang: UB Press, 2021), h. 131.
91
90 | Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi dan Keagamaan
Vol. 09, No. 01, 2022 Syar’u Man Qablanâ And It’s Implementation
P-ISSN: 2355-5173 E-ISSN: 2656-9477 In Sharia Economic Law (Mu’âmalah Mâliyyah)
31
"And (remember the story of) David ِف التزام اَلق
and Solomon, when both gave
decisions about crops, because they "Guarantees given to persons who have
were ravaged by the goats of their dependents in fulfilling their obligations".
kindred. And is We witnessed the
decision given by them it (Q.S al- The scholars of the 4 schools of
jurisprudence differ in terms of guarantee,
Anbiya: 78).
first, the Hanafiyyah scholars use the term
According to Musthafa Sa'id al-Khin, the kafâlah and are divided into two, namely
phrase nafasyat in the text verse 78 of surah kafâlah al-mâl and kafâlah al-wajh (kafâlah bi
al-Anbiya above means destruction that al-nafs); second, Malikiyyah scholars use the
occurs at night. The law that was in force term al-dhamân and are divided into two,
during the time of prophet Dawud as namely dhamân al-mâl and dhamân al-wajh
recounted in the Quran was used as the (dhamân al-nafs); third, Shafi'iyyah scholars
basis for the legal determination of the use the term kafâlah which includes only
mandatory compensation/dhamân for kafâlah bi al-mâl (excluding kafâlah bi al-
damages done by livestock belonging to a nafs); and fourth, Hanabilah scholars use the
person done at night, as in Imam Malik's terms kafâlah and dhamâan with two
view above different uses, namely (1) dhamân is used for
property guarantee (dhamân al-mâl) and
Akad Kafâlah bi al-nafs
kafâlah is used for guarantee of the ability to
Kafâlah linguistically as stated in the present a person (kafâlah bi al-nafs) for the
Hanafiyah and Hanabilah books means al- purposes of court proceedings/trials. 32
dham i.e. dependent, and according to
One form of implementation of syar’u
Shafi'iyah means al-iltizâm. Akad kafâlah has
man qablanâ is the kafâlah bi al-nasf
word equivalents including: (1) al-dhamân,
which is a word used for guarantees related contract. Kafâlah bi nafs is an agreement to
to property; (2) al-hamâlah, i.e. the word provide a personal guarantee. For example, in
used for guarantees relating to the payment banking practice for the form of kafâlah bi
of diyat sanctions; (3) al-zâ'im, that is, a word nafs is a customer who gets financing with the
used for guarantees relating to large guarantee of the good name and shop of a
amounts of property; (4) al-kâfil/kafâlah, i.e. person or community leader. Although the
a word used for guarantees related to the bank does not physically hold any goods, it
soul; and (5) al-shabir, which is a word used hopes that the figure can seek payment when
for guarantees of a general nature.30 the financed customer has difficulties..33
As for the definition in sharia One form of implementation of syar’u
terminology, the kafâlah contract as man qablanâ is the kafâlah bi al-nasf contract.
conveyed by the Hanabilah scholars is as Kafâlah bi nafs is an agreement to provide a
follows:
31
Abd al-Rahman Ibn Ibrahim Ibn Ahmad Abu
ألن الضمان ضم ذمة الضامن إىل ذمة املضمون عنو Muhammad al-Din al-Maqdisi, al-‘Uddah Syarh al-
‘Umdah, (Beirut: Dar al-Kutub al-‘Ilmiyyah, 0225), h.
230.
32
‘Ala al-Din Za’tari, Fiqh al-Mu’âmalât al-
Mâliyyah al-Muqâran: Shiyâghah Jadȋdah wa Amtsilah
Mu’âshirah, (Damaskus: Dâr Al-‘Ashmâ, 0212), h. 495.
33
Muhammad Syafi’i Antonio. Bank Syariah dari
30
Jaih Mubarok dan Hasanudin, Fikih Teori ke Praktik, (Jakarta: Gema Insani Press, 2001), h.
Mu’amalah Maliyyah: Akad Tabarru’, (Bandung: 124-125.
Simbiosa, 2017), h. 191.
The concept of qismah muhaya’ah is an Ahmad Hasan, Nadzariyyah al-Ujȗr Fȋ al-Fiqh al-Islâmȋ:
Dirâsah Tahlȋliyyah Mubtakirah li Fiqh al-
implementation of syar’u man qablanâ which Mu’âmalât al-Mâliyyah, t.t: Dâr Iqra, t.th.
is the sharia of the prophet Sholeh and the
law remains in force before the discovery of ‘Ala al-Din Za’tari, Fiqh al-Mu’âmalât al-Mâliyyah al-
Muqâran: Shiyâghah Jadȋdah wa Amtsilah
any proposition that composes it. Mu’âshirah, Damaskus: Dâr Al-‘Ashmâ, 0212.
Conclusion ‘Ali Haidar, Durar al-Hukkâm Syarh Majallat al-Ahkâm,
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Syar’u man qablanâ is one of the legal
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method of ijtihad. However, the majority of
scholars view that the sharia of the former Imam Yazid, Analisis Teori Syar’u Man Qablana, Al
people/syar’u man qablanâ can be used as Mashlahah Jurnal Hukum Dan Pranata Sosial
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hujjah in settling the law. The concept of the
previous shari'a of the people/syar’u man Imam Yazid, Tafsir Ayat Ahkam Tentang Syar’u man
qablanâ is implemented in the field of sharia qablana Dan Kehujahannya Sebagai Dalil Hukum,
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No. 1, 2017.
including: (1) the Ju’âlah contract; (2) Ijârah
contract; (3) Dhamân Mâ Tafsadahu al- Jaih Mubarok dan Hasanudin, Fikih Mu’amalah
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kafâlah bi al-wajh (bi al-nafs) and (5) the
contract of qismah muhaya’ah . , Fikih Mu’amalah Maliyyah: Akad
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