1

dual (economic system

(Islamic

(Government Investment Act) (Banking Act

(Bank Islam Malaysia Berhard

3
(Bank Muamalat Malaysia

(Asian Finance Bank Berhard)

(Kuwait Finance

(Al- House)

)Rajhi Banking dan Investment Corporation

1
Ascarya, Akad dan Produk Perbankan Syariah (Jakarta: Rajawali Press, 2007), h. 64.
2
Ascarya, Akad dan Produk, h. 76.
3
 3

Qatar Islamic Bank

(Global (RSUD Investment Bank Inc

Investment House

(sale and buy back)

4
Sudin Haron, Wan Asmi, Wan Nursofiza, Islamic Finance and Banking System: Philosophies,
Principles, and Practices (Kuala Lumpur: McGraw Hill Education, 2009), h. 78.
،)saving account –i( 5

(credit card –i( ،)personal financing –i(

.)government investment issues -i)
6
Erwandi Tarmizi, Harta Haram Muamalat Kontemporer (Bogor: PT. Berkat Mulia Insani, cet.
IV, 2013), h. 23.
7
Ascarya, Akad dan Produk, h. 34.
 4

(deferred payment (sale

9 8

(sales contract

10

11

OKI

8
Ascarya, Akad dan Produk, h. 98.

10

11

12
 5

13
(Organisasi Konferensi Islam

(Organisasi Konferensi Islam OKI)

National

)NSAC Sharia Advisory Council

Central Bank of (Malaysia

Majlis

(MPS Penasihat Syari’ah)

(Islamic Interbank Pasaran Wang antara Bank secara Islam

(government investment Money Market

Terbitan Sijil Hutang Boleh issues –i

credit card – ,(Negotiable ,Islamic (Debt Negara

)i)

13
 6

(cash line facility –i)

personal financing –i ,(education financing -i)

revolving credit facility –i

share financing –i)

(credit card -i

,(Islamic Interbank Pasaran Wang antara Bank secara Islam

government investment issues - Money Market

( Terbitan Sijil Hutang Boleh Negara )i)

(Malaysian (Negotiable ,Islamic Debt

,(Bank Islamic treasury bills)

14
.)(sale and buy back agreements Negara negotiable notes –i

14
Ascarya, Akad dan Produk, h. 72-80.
 7

15

Pasaran Wang antara Bank secara Islam

(Islamic Interbank Money Market

(government investment issues –i

,(Negotiable Islamic (Debt Terbitan Sijil Hutang Boleh Negara

)credit card –i)

15
Ascarya, Akad dan Produk, h. 86-89.
8
 9

16

16
Sanapiah Faisal, Format-Format Penelitian Sosial (Jakarta: Rajawali Press, 1999), h. 107.
 10

17

18

20 19

21

22

23

17
Tim Penyusun Kamus Pusat Bahasa, Kamus Bahasa Indonesia (Jakarta: Pusat Bahasa, 2008), h.
171.
18
Mohd Herwan Sukri & Mohd Hawari, Understanding Sharia and Its Application in Islamic
Finance (Selangor: Replika Press, 2008), h. 56.
19
Herwan Sukri, Understanding Sharia, h. 56.
20

21
Muhammad, Lembaga-Lembaga Keuangan Umat Kontemporer (Yogyakarta: UII Press, 2008),
h. 68.
22

23
Hassanudden Abdul Aziz, Islamic Banking {Malaysia: International Islamic University Malaysia
(IIUM)}, cet. I, 2009), h. 3.
 11

(library research(

24

25

24
Soerjono Soekanto dan Sri Mamudji, Penelitian Hukum Normatif Tinjauan Singkat (Jakarta:
Rajawali Press, 1985), h. 85.
25
Tim Penyusun Fakultas Syari’ah UIN Malang, Pedoman Penulisan Karya Ilmiah Fakultas
Syariah (Malang : UIN Press, 2013) h. 28.
 12

26

(Majlis MPS)

. Penasihat Syari’ah

27

(secondary data)

28

29

26
Tim Penyusun, Pedoman Penulisan, h. 29.
27
Comy R. Setiawan, Metode Penelitian Kualitatif - Jenis , Karakter, dan Keunggulannya (Jakarta:
Grasindo, 2010), h. 9.
28
Peter Mahmud Marzuki, Penelitian Hukum (Jakarta: Kencana, 2005), h. 64.
29
Soerjono, Penelitian Hukum Normatif, h.13.
 13

(MPS Majlis Penasihat Syari’ah)

30

31

30
Nazir, Metode Penelitian (Bogor: Ghalia Indonesia, 2011), h. 174
31
Peter, Penelitian Hukum, h. 43.
 14

(Majlis (Penasihat Syari’ah MPS)

(Majlis Penasihat Syari’ah MPS)

 15

32

32
Tim Penyusun, Pedoman Penulisan, h. 21.
 16

33

33
Comy, Metode Penelitian, h. 13.
 17

34

“Bai’ al-Inah and Tawarruq as Solution to

."Interest Based Personal Financing Facility

34
Burhan Bungin. Metodologi Penelitian Kuantitatif: Aktualisasi Metoologi Ke Arah Varian
Ragam Kontemporer (Jakarta: PT. Raja Grafindo Persada, 2007), h. 42.
 18

35

“Bai’ al-Inah dan Tawarruq

Dalam Perspektif Hukum Islam

36

35
Mohd. Farihal Osman, Bai’ al-Inah and Tawarruq as Solution to Interest Based Personal
Financing Facility, Skripsi Sarjana (Kedah: Universiti Utara Malaysia, 2007), h. 76.
36
Hendi Herijanto, “Bai’ al-Inah dan Tawarruq Dalam Perspektif Hukum Islam,” Quality, )Juni,
2014), h. 34-36.
 19

Bai’ al-Inah and

Tawarruq as
Solution to Interest
Based Personal
Financing Facility

Bai’ al-Inah dan

Tawarruq Dalam
Perspektif Hukum
Islam
20
21