Implementasi Akad Qard sebagai Akad Tabarru’ dalam Perbankan Syariah: Indonesia

Nur Azlina; Cholil Nafis

doi:10.55757/tasharruf.v4i1.246

Authors

Nur Azlina Sekolah Tinggi Agama Islam Negeri Bengkalis, Indonesia
Cholil Nafis Universitas Islam Syarif Hidayatullah Jakarta, Indonesia

DOI:

https://doi.org/10.55757/tasharruf.v4i1.246

Keywords:

akad qardh, islamic bank, Akad Tabarru’, Perbankan Syariah, Transaksi Nirlaba

Abstract

Artikel ini bertujuan untuk mengetahui bagaimana implementasi akad qardh sebagai akad tabarru’ dalam perbankan syariah. Tujuan penelitian ini adalah untuk menganalisis pelaksanaan akad Qard di bank syariah. Metode penelitian yang digunakan dalam penelitian ini adalah metode kualitatif. Metode kualitatif ini muncul karena terjadi perubahan paradigma dalam memandang suatu realitas. Dalam penelitian kualitatif, peneliti menggunakan pendekatan library research yakni penelitian yang obyek kajiannya menggunakan data pustaka berupa buku-buku sebagai sumber datanya, membaca, menelaah, dan menganalisis berbagai literatur yang ada, berupa alquran, hadits, kitab, maupun hasil penelitian. Hasil penelitian menunjukan bahwa akad tabarru’ adalah segala macam perjanjian yang menyangkut non profit transaction (transaksi nirlaba) dan akad qardh merupakan salah satu dari akad tabbaru, dimana karakteristiknya pada akad qardh tersebut adalah mengenai pinjam meminjam yang menitikberatkan pada sikap tolong menolong dan jenis akad qardh dimana ia tidak mencari keuntungan. Dalam praktiknya pada perbankan syariah ada dikenal namanya biaya, jadi tambahan untuk biaya seperti biaya administrasi, biaya materai, ini diperbolehkan.

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