TELAAH KONSEPTUAL AKAD DALAM FIQIH MUAMALAH ANTARA AKAD JUAL BELI DAN AKAD IJARAH

Abstract

This research aims to analyze the implementation of the ijarah agreement in the context of sharia economics, especially in sharia financial institutions in Indonesia. The ijarah contract is an important instrument in sharia financing which is based on the principle of leasing, with wide application in the banking, leasing and services sectors. This study highlights the basic principles of ijarah, such as fairness, valid agreements, and compliance with sharia, and how these principles are applied in modern financial practices. In addition, this research also discusses the challenges faced by sharia financial institutions in maintaining sharia compliance in the implementation of ijarah contracts, including legal obstacles, lack of public understanding, and complex financial product innovation. This research method uses a qualitative approach with in-depth literature study, as well as analysis of several cases of Islamic financial institutions in Indonesia. The research results show that although the ijarah contract has been well adopted, there are several obstacles in implementation that require more attention, especially in the aspects of sharia supervision and consumer protection. With a better understanding of the ijarah contract, it is hoped that it can increase transparency and efficiency in sharia financial transactions, as well as encourage the growth of the sharia financial industry in Indonesia.