AKAD-AKAD PROGRESIF UNTUK KEUANGAN ISLAM YANG BERKELANJUTAN
DOI:
https://doi.org/10.24252/iqtishaduna.v7i1.59822Abstrak
Abstrak
Penelitian ini mengkaji pentingnya akad progresif dalam mendorong keuangan Islam berkelanjutan. Latar belakangnya adalah peran sentral akad (perjanjian) dalam setiap transaksi ekonomi syariah, yang menjadi landasan bagi hak dan kewajiban. Dengan pesatnya perkembangan keuangan syariah berdasarkan prinsip etis seperti larangan riba dan gharar, keberlanjutannya sangat bergantung pada penerapan akad yang sesuai syariah. Oleh karena itu, penelitian ini bertujuan menganalisis inovasi akad syariah untuk mendukung ekonomi Islam yang adil, inklusif, dan berwawasan lingkungan. Menggunakan metode studi literatur deskriptif-analitis, penelitian ini mengulas konsep akad dan rukunnya, serta mengidentifikasi akad progresif (seperti modifikasi mudharabah dan musyarakah) yang relevan untuk transaksi nirlaba (tabarru') maupun berorientasi laba (tijarah). Diharapkan, penerapan akad progresif dapat menghasilkan sistem keuangan yang stabil dan bermanfaat jangka panjang bagi umat.
Kata Kunci: Akad Progresif, Keuangan Islam, Keberlanjutan.
Abstract
This study examines the significance of progressive contracts (akad) in fostering sustainable Islamic finance. The background highlights the central role of contracts in all Islamic economic transactions, forming the basis for rights and obligations. With the rapid development of Sharia finance, underpinned by ethical principles like the prohibition of usury (riba) and ambiguity (gharar), its sustainability heavily relies on Sharia-compliant contract implementation. Thus, this research aims to analyze innovative Sharia contracts to support a just, inclusive, and environmentally conscious Islamic economy. Employing a descriptive-analytical literature review, this study examines the concept of contracts and their pillars, identifying progressive contracts (such as modified mudharabah and musyarakah) relevant for both non-profit (tabarru') and for-profit (tijarah) transactions. It is expected that applying progressive contracts can lead to a stable financial system with long-term benefits for the community.
Keywords: Progressive Contracts, Islamic Finance, Sustainability.
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Hak Cipta (c) 2025 Firman Natzir, Supriadi Hamid, Kamaruddin Arsyad
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