TRANSFORMASI SINGLE CONTRACT KE HYBRID CONTRACT DALAM AKAD MUAMALAH AL-MALIYAH PERSPEKTIF MAQASHID AL-SYARIAH FI HIFDZ AL-MUHIT AL-MADI

UBAIDILLAH, 1890502230004 and DEDE NUROHMAN, 197112182002121003 and AHMAD MUHTADI ANSHOR, 197007202000031001 (2026) TRANSFORMASI SINGLE CONTRACT KE HYBRID CONTRACT DALAM AKAD MUAMALAH AL-MALIYAH PERSPEKTIF MAQASHID AL-SYARIAH FI HIFDZ AL-MUHIT AL-MADI. [ Disertasi ]

	Text COVER DAN KESEDIAAN PUBLIKASI.pdf Download (415kB)
	Text ABSTRAK.pdf Download (401kB)
	Text DAFTAR ISI.pdf Download (167kB)
	Text BAB I.pdf Download (422kB)
	Text BAB II.pdf Restricted to Registered users only Download (1MB)
	Text BAB III.pdf Restricted to Registered users only Download (220kB)
	Text BAB IV.pdf Restricted to Registered users only Download (245kB)
	Text BAB V.pdf Restricted to Registered users only Download (759kB)
	Text BAB VI.pdf Restricted to Registered users only Download (236kB)
	Text BAB VII.pdf Restricted to Registered users only Download (173kB)
	Text DAFTAR PUSTAKA.pdf Download (297kB)
	Text LAMPIRAN & KARTU BIMBINGAN.pdf Restricted to Repository staff only Download (137kB)

Abstract

ABSTRAK Disertasi dengan judul “Transformasi Single Contract Ke Hybrid Contract Dalam Akad Muamalah Al-Maliyah Perspektif Maqashid Al-Syariah Fi Hifdz Al-Muhit Al-Madi” ini ditulis oleh Ubaidillah dengan Promotor Prof. Dr. H. Dede Nurohman, M.Ag. dan Prof. Dr. H. Ahmad Muhtadi Anshor, M.Ag. Kata kunci: Transformasi, Muamalah Al-Maliyah, maqashid al-syariah fi Fi Hifdz Al-Muhit Al-Madi. Diskursus hybrid contract muncul sebagai respons terhadap dinamika ekonomi modern yang menuntut fleksibilitas, inovasi produk, serta efisiensi layanan keuangan syariah. Meskipun pada awalnya konsep akad ganda dipandang problematis dalam literatur fikih klasik, perkembangan kebutuhan transaksi kontemporer mendorong reinterpretasi yang lebih komprehensif dan kontekstual. Berdasarkan hal tersebut, rumusan masalah dalam penelitian ini meliputi: (1) mengapa terjadi transformasi dari single contract ke hybrid contract dalam akad muamalah al-maliyah; (2) bagaimana proses transformasi tersebut berlangsung; dan (3) bagaimana analisis maqashid al-syariah, khususnya fi hifdz al-muhit al-madi, terhadap transformasi tersebut. Penelitian ini bertujuan untuk menganalisis faktor-faktor penyebab transformasi akad, mengidentifikasi bentuk dan proses transformasi dalam praktik muamalah al-maliyah, serta mengkaji transformasi tersebut dalam perspektif maqashid al-syariah fi hifdz al-muhit al-madi. Penelitian ini menggunakan pendekatan kualitatif dengan jenis studi kasus pada Baitul Mal wa al-Tamwil Nusantara Jawa Timur. Data diperoleh melalui observasi, wawancara, dan dokumentasi, kemudian dianalisis secara deskriptif-analitis dengan pendekatan maqashid al-syariah fi hifdz al-muhit al-madi. Hasil penelitian menunjukkan bahwa transformasi menuju hybrid contract dipengaruhi oleh faktor eksternal berupa perubahan perilaku masyarakat, kompleksitas kebutuhan ekonomi, dan perkembangan teknologi digital, serta faktor internal seperti inovasi kelembagaan, efisiensi operasional, dan strategi daya saing. Implementasi hybrid contract terealisasi dalam berbagai produk pembiayaan yang mampu memberikan solusi komprehensif, fleksibel, dan inklusif, serta berkontribusi signifikan terhadap pertumbuhan aset dan kinerja lembaga. Analisis maqashid al-syariah menunjukkan bahwa praktik hybrid contract tidak hanya memenuhi aspek kepatuhan syariah (sharia compliance), tetapi juga merealisasikan tujuan esensial syariah (maqashid al-syariah), khususnya dalam menjaga, mengembangkan, dan mendistribusikan harta secara berkelanjutan. Dengan demikian, transformasi ini merupakan bentuk ijtihad institusional yang adaptif dan relevan terhadap perkembangan zaman, sekaligus menegaskan bahwa inovasi dalam keuangan syariah dapat berjalan selaras dengan prinsip-prinsip normatif Islam dan kebutuhan ekonomi modern. ABSTRACT This dissertation entitled “The Transformation from Single Contract to Hybrid Contract in Muamalah Al-Maliyah Agreements: A Maqashid al-Shariah Perspective in Hifdz al-Muhit al-Madi” was written by Ubaidillah under the supervision of Prof. Dr. H. Dede Nurohman, M.Ag. and Prof. Dr. H. Ahmad Muhtadi Anshor, M.Ag. Keywords: Transformation, Muamalah al-Maliyah, Maqashid al-Shariah fi Hifdz al-Muhit al-Madi. The discourse on hybrid contracts has emerged as a response to the dynamics of the modern economy, which demand flexibility, product innovation, and efficiency in Islamic financial services. Although the concept of multiple contracts was initially considered problematic in classical fiqh literature, the development of contemporary transactional needs has encouraged a more comprehensive and contextual reinterpretation. Based on this background, the research questions of this study are: (1) why does the transformation from single contract to hybrid contract occur in muamalah al-maliyah agreements; (2) how does the transformation process take place; and (3) how is the transformation analyzed from the perspective of maqashid al-shariah, particularly in hifdz al-muhit al-madi. This study aims to analyze the factors driving the transformation of contracts, to identify the forms and processes of transformation in the practice of muamalah al-maliyah, and to examine this transformation through the lens of maqashid al-shariah fi hifdz al-muhit al-madi. This research employs a qualitative approach with a case study design at Baitul Mal wa al-Tamwil Nusantara, East Java. Data were collected through observation, interviews, and documentation, and were analyzed using a descriptive-analytical method within the framework of maqashid al-shariah fi hifdz al-muhit al-madi. The findings reveal that the transformation toward hybrid contracts is influenced by external factors, including changes in societal behavior, the increasing complexity of economic needs, and the advancement of digital technology, as well as internal factors such as institutional innovation, operational efficiency, and competitive strategy. The implementation of hybrid contracts has been realized in various financing products that provide comprehensive, flexible, and inclusive solutions, while also contributing significantly to asset growth and institutional performance. Furthermore, the maqashid al-shariah analysis shows that the practice of hybrid contracts not only fulfills the aspect of sharia compliance but also realizes the essential objectives of sharia (maqashid al-shariah), particularly in preserving, developing, and distributing wealth sustainably. Therefore, this transformation represents a form of institutional ijtihad that is adaptive and relevant to contemporary developments, affirming that innovation in Islamic finance can coexist with the normative principles of Islam and the demands of the modern economy. ملخص هٰذِهِ الرِّسَالَةُ الدُّكْتُورَاهُ بِعُنْوَانِ: "تَحَوُّلُ العَقْدِ المُفْرَدِ إِلَى العَقْدِ المُرَكَّبِ فِي عُقُودِ المُعَامَلَاتِ المَالِيَّةِ: دِرَاسَةٌ مِنْ مَنْظُورِ مَقَاصِدِ الشَّرِيعَةِ فِي حِفْظِ المُحِيطِ المَادِّي" قَدْ كَتَبَهَا عُبَيْدِ اللَّهِ، بِإِشْرَافِ الأُسْتَاذِ الدُّكْتُورِ الحَاجِّ دِيدِي نُورُ الرَّحْمَانِ، وَالأُسْتَاذِ الدُّكْتُورِ الحَاجِّ أَحْمَدَ مُهْتَدِي أَنْصَارْ. الكَلِمَاتُ المِفْتَاحِيَّةُ: التَّحَوُّلُ، المُعَامَلَاتُ المَالِيَّةُ، مَقَاصِدُ الشَّرِيعَةِ فِي حِفْظِ المُحِيطِ المَادِّي ظَهَرَ خِطَابُ العُقُودِ المُرَكَّبَةِ (الهَايْبِرِدْ كُونْتْرَاكْت) اسْتِجَابَةً لِلدِّينَامِيَّاتِ الاقْتِصَادِيَّةِ الحَدِيثَةِ الَّتِي تَتَطَلَّبُ مَرُونَةً، وَابْتِكَارًا فِي المُنْتَجَاتِ، وَكَفَاءَةً فِي خِدْمَاتِ التَّمْوِيلِ الإِسْلَامِيِّ. وَمَعَ أَنَّ مَفْهُومَ العُقُودِ المُزْدَوِجَةِ كَانَ يُنْظَرُ إِلَيْهِ فِي البِدَايَةِ عَلَى أَنَّهُ إِشْكَالِيٌّ فِي أَدَبِيَّاتِ الفِقْهِ الكَلَاسِيكِيِّ، فَإِنَّ تَطَوُّرَ احْتِيَاجَاتِ المُعَامَلَاتِ المُعَاصِرَةِ قَدْ دَفَعَ إِلَى إِعَادَةِ تَفْسِيرٍ أَكْثَرَ شُمُولًا وَسِيَاقِيَّةً. وَبِنَاءً عَلَى ذٰلِكَ، تَتَمَثَّلُ إِشْكَالِيَّاتُ هٰذَا البَحْثِ فِي: (١) لِمَاذَا يَحْدُثُ التَّحَوُّلُ مِنَ العَقْدِ المُفْرَدِ إِلَى العَقْدِ المُرَكَّبِ فِي عُقُودِ المُعَامَلَاتِ المَالِيَّةِ؛ (٢) كَيْفَ تَتِمُّ عَمَلِيَّةُ هٰذَا التَّحَوُّلِ؛ وَ(٣) كَيْفَ يُمْكِنُ تَحْلِيلُ هٰذَا التَّحَوُّلِ فِي ضَوْءِ مَقَاصِدِ الشَّرِيعَةِ، لَا سِيَّمَا فِي حِفْظِ المُحِيطِ المَادِّي. وَيَهْدِفُ هٰذَا البَحْثُ إِلَى تَحْلِيلِ العَوَامِلِ الَّتِي تَقِفُ وَرَاءَ تَحَوُّلِ العُقُودِ، وَتَحْدِيدِ أَشْكَالِ هٰذَا التَّحَوُّلِ وَآلِيَّاتِهِ فِي وَاقِعِ المُعَامَلَاتِ المَالِيَّةِ، فَضْلًا عَنْ دِرَاسَتِهِ مِنْ مَنْظُورِ مَقَاصِدِ الشَّرِيعَةِ فِي حِفْظِ المُحِيطِ المَادِّي. يَسْتَخْدِمُ هٰذَا البَحْثُ المَنْهَجَ النَّوْعِيَّ مِنْ خِلَالِ دِرَاسَةِ حَالَةٍ فِي بَيْتِ المَالِ وَالتَّمْوِيلِ نُوسَنْتَارَا جَاوَا الشَّرْقِيَّةِ. وَقَدْ جُمِعَتِ البَيَانَاتُ مِنْ خِلَالِ المُلاَحَظَةِ وَالمُقَابَلَاتِ وَالوَثَائِقِ، ثُمَّ حُلِّلَتْ تَحْلِيلًا وَصْفِيًّا تَحْلِيلِيًّا بِمُقَارَبَةِ مَقَاصِدِ الشَّرِيعَةِ فِي حِفْظِ المُحِيطِ المَادِّي. تُظْهِرُ نَتَائِجُ البَحْثِ أَنَّ التَّحَوُّلَ نَحْوَ العُقُودِ المُرَكَّبَةِ يَتَأَثَّرُ بِعَوَامِلَ خَارِجِيَّةٍ تَتَمَثَّلُ فِي تَغَيُّرِ سُلُوكِ المُجْتَمَعِ، وَتَعَقُّدِ الاِحْتِيَاجَاتِ الاِقْتِصَادِيَّةِ، وَتَطَوُّرِ التِّكْنُولُوجِيَا الرَّقْمِيَّةِ، إِلَى جَانِبِ عَوَامِلَ دَاخِلِيَّةٍ مِثْلَ الاِبْتِكَارِ المُؤَسَّسِيِّ، وَكَفَاءَةِ العَمَلِيَّاتِ، وَاسْتِرَاتِيجِيَّاتِ التَّنَافُسِ. وَقَدْ تَجَسَّدَ تَطْبِيقُ العُقُودِ المُرَكَّبَةِ فِي عِدَّةِ مُنْتَجَاتٍ تَمْوِيلِيَّةٍ قَادِرَةٍ عَلَى تَقْدِيمِ حُلُولٍ شَامِلَةٍ وَمَرِنَةٍ وَشَامِلَةٍ لِجَمِيعِ الفِئَاتِ، وَأَسْهَمَتْ بِشَكْلٍ مَلْحُوظٍ فِي نُمُوِّ الأُصُولِ وَتَحْسِينِ الأَدَاءِ المُؤَسَّسِيِّ. وَيُبَيِّنُ تَحْلِيلُ مَقَاصِدِ الشَّرِيعَةِ أَنَّ مُمَارَسَةَ العُقُودِ المُرَكَّبَةِ لَا تَقْتَصِرُ عَلَى تَحْقِيقِ جَانِبِ الاِمْتِثَالِ الشَّرْعِيِّ (شَرِيعَة كُمْبْلَايَنْس)، بَلْ تُسْهِمُ أَيْضًا فِي تَحْقِيقِ المَقَاصِدِ الأَسَاسِيَّةِ لِلشَّرِيعَةِ (مَقَاصِدِ الشَّرِيعَةِ)، وَلَا سِيَّمَا فِي حِفْظِ المَالِ وَتَنْـمِيَتِهِ وَتَدَاوُلِهِ بِصُورَةٍ مُسْتَدَامَةٍ. وَبِنَاءً عَلَى ذٰلِكَ، فَإِنَّ هٰذَا التَّحَوُّلَ يُمَثِّلُ اجْتِهَادًا مُؤَسَّسِيًّا يَتَّسِمُ بِالمَرُونَةِ وَالقُدْرَةِ عَلَى مُوَاكَبَةِ التَّطَوُّرَاتِ المُعَاصِرَةِ، وَيُؤَكِّدُ أَنَّ الاِبْتِكَارَ فِي المَالِيَّةِ الإِسْلَامِيَّةِ يُمْكِنُ أَنْ يَسِيرَ مُتَوَازِيًا مَعَ المَبَادِئِ الشَّرْعِيَّةِ وَمُتَطَلَّبَاتِ الاِقْتِصَادِ الحَدِيثِ.

Actions (login required)

View Item