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Abstract

Akad Musyarakah (syirkah) merupakan akad kerjasama oleh kedua belah pihak yang saling berkontribusi berupa dana untuk membangun sebuah usaha, dengan keuntungan dan resiko yang akan ditanggung bersama sesuai kesepakatan. Konsep akad yang berkembang pesat dan gemari dalam pembiayaan bank syariah. Seiring perkembangan zaman, berkembang pula kreasi produk baru keuangan berdasarkan konsep akad musyarakah. Dengan menelaah fatwa-fatwa DSN-MUI sebagai regulator ekonomi syariah di Indonesia kita akan mengetahui mengenai produk baru berdasarkan perkembangan akad musyarakah. Penelitian ini menggunakan pendekatan kepustakaan (library research) dengan bersumber dari data primer yaitu fatwa-fatwa DSN-MUI tentang akad musyarakah. Dan juga data sekunder berupa jurnal-jurnal, buku-buku yang berkenaan dengan Lembaga yang terkait. Hasil penelitian ini akan mengungkapkan fatwa-fatwa tentang akad musyarakah, ketentuan pada akad, dan perbedaan macam-macam akad musyarakah dari perkembangan konsep akad musyarakah itu sendiri. 


Musyarakah contract (syirkah) is a cooperative agreement between both parties who contribute to each other in the form of funds to build a business, with profits and risks that will be shared together according to the agreement. The contract concept is growing rapidly and is popular in sharia bank financing. As time goes by, the creation of new financial products based on the concept of musyarakah contracts has also developed. By examining the DSN-MUI fatwas as the sharia economic regulator in Indonesia, we will find out about new products based on developments in musyarakah contracts. This research uses a library research approach sourced from primary data, namely DSN-MUI fatwas regarding musyarakah contracts. And also secondary data in the form of journals and books relating to the relevant institutions. The results of this research will reveal fatwas regarding musyarakah contracts, provisions on contracts, and differences in various types of musyarakah contracts from the development of the concept of musyarakah contracts themselves.

Keywords

DSN-MUI Fatwa Musyarakah

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