A COMPARATIVE ANALYSIS OF YUSUF AL-QARDAWI'S AND RAFIQ YUNUS AL-MISRI'S LEGAL THOUGHT ON MURĀBAḤAH LI AL-ĀMIR BI AL-SHIRĀ’ AND ITS RELEVANCE TO SHARIA ECONOMIC PRACTICE IN INDONESIA

Muhammad Zain Firmansyah; Bani Syarif Maula

doi:10.21093/w8m6ms78

Authors

Muhammad Zain Firmansyah Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto
Bani Syarif Maula Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto

DOI:

https://doi.org/10.21093/w8m6ms78

Keywords:

Murabahah li al-Amir bi al-Shira', Rafiq Yunus al-Misri, Yusuf al-Qardawi , Sharia Economic Law

Abstract

Murābaḥah li al-Āmir bi al-Shirā’ has become the dominant financing instrument in contemporary Islamic banking, particularly in Indonesia, where it serves as a practical alternative to interest-based lending. Despite its widespread adoption, debates continue regarding its legal validity, ethical orientation, and conformity with the objectives of Islamic law. This study comparatively examines the legal reasoning of Yusuf al-Qardawi and Rafiq Yunus al-Misri concerning Murābaḥah li al-Āmir bi al-Shirā’ and analyzes its implications for Indonesian Islamic banking practices. Employing a normative-juridical approach, the research analyzes the doctrinal foundations of both scholars’ views alongside relevant DSN-MUI fatwas, national banking regulations, and institutional practices. The novelty of this study lies in its integration of classical-contemporary comparative fiqh analysis with the practical implementation of murabahah in Indonesia, thereby bridging a gap between theoretical legal discourse and regulatory application. The findings demonstrate that al-Qardawi adopts a maqāṣid-oriented and pragmatic approach that prioritizes public benefit and financial accessibility, whereas al-Misri advocates stricter adherence to classical contractual requirements to prevent legal stratagems resembling interest-based transactions. The study argues that understanding the tension and complementarity between these approaches advances existing scholarship by providing a more comprehensive framework for evaluating murabahah contracts, balancing legal validity, ethical integrity, and the broader objectives of Islamic economic law.

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