Hybrid Sharia Contracts in Islamic Banking: Legal Validity and Sharia Compliance in Indonesian Religious Court Judgments
DOI:
https://doi.org/10.52496/mjhki.v3i2.33Keywords:
Hybrid Sharia Contracts, Islamic Banking, Sharia Compliance, Religious Court Decisions, DSN-MUI FatwasAbstract
The rapid growth of Islamic banking in Indonesia has encouraged financial product innovation, particularly through the application of hybrid sharia contracts that combine two or more contracts within a single transaction structure. Although such contracts are normatively recognized in fiqh muamalah and explicitly permitted under fatwas issued by the National Sharia Council of the Indonesian Ulama Council (DSN-MUI), judicial practice reveals inconsistent assessments regarding their legal validity. This study aims to examine the legal validity of hybrid sharia contracts from the perspective of Religious Court decisions and to analyze the juridical implications of sharia non-compliance in hybrid contractual arrangements. Employing a normative juridical method with a descriptive-analytical approach, this research analyzes primary legal materials in the form of Religious Court judgments, alongside secondary legal sources including legislation, scholarly works, and DSN-MUI fatwas, using qualitative legal analysis. The findings indicate that hybrid sharia contracts are legally valid in principle, provided that they fulfill the essential elements and conditions of contracts, avoid prohibited elements such as riba, gharar, and maisir, and are implemented in strict accordance with DSN-MUI fatwas. However, Religious Court decisions demonstrate that ambiguity in the classification and sequencing of contracts, imbalanced risk allocation that departs from profit-and-loss sharing principles, and deviations from DSN-MUI fatwas result in hybrid contracts being deemed defective or invalid both sharia-wise and legally binding. These deficiencies not only undermine the juridical validity of contracts but also pose risks to public trust and confidence in Islamic banking institutions. Accordingly, DSN-MUI fatwas function as a crucial source of substantive law and serve as the primary benchmark for Religious Court judges in assessing the legality and sharia compliance of hybrid sharia contracts.
References
Abduloh, Ade, Nana Herdiana Abdurrahman, and Yoyok Prasetyo. “The Application of Hybrid Contract Concept in Ijarah Muntahiyah Bittamlik (IMBT) Product.” Zona Law and Public Admnistration Indonesia (Zlpai) 1, no. 4 (2024).
Ahmad Muhamad Mustain Nasoha, Adi Sulistiyono, Mudhofir, Ashfiya Nur Atqiya, and Ashfiya Nur Atqiya. “Relevance of Religious Court Decisions on Marriage to National Development Policy Directions: A Legal and Social Analysis.” EVOLUTIONARY STUDIES IN IMAGINATIVE CULTURE, October 3, 2024, 1340–47. https://doi.org/10.70082/esiculture.vi.1496.
Amanda, Irma, Sri Aulia, and Fakhriyyah Zulfa Hany. “Pelunasan Utang Pembiayaan Murabahah Sebelum Jatuh Tempo.” Ondonesia Journal of Islamic Jurispudence, Economic and Legal Theory, no. 19 (2025).
Anggara Saputra, Jerry, and Ice Trisnawati. “INTEGRATING SHARIA CONTRACTS INTO DIGITAL TRANSACTIONS: AN ANALYSIS OF DSN-MUI FATWAS 2021 IN E-COMMERCE PRACTICES.” Jurnal Hukum Ekonomi Syariah 10, no. 1 (2025).
Annurria, Wanti, Dahlifah Dahlifah, and Rimi Gusliana Mais. “Ethnomethodological Insights into Hybrid Contract Practices in Islamic Accounting.” Economica: Jurnal Ekonomi Islam 13, no. 2 (December 31, 2022). https://doi.org/10.21580/economica.2022.13.2.14142.
Arifin, Asriadi. “Fatwa DSN-MUI No. 04/DSN-MUI/IV/2000 Tentang Murabahah: Refleksi Kritis Terhadap Implementasi BSI Dimensi Ekonomi Islam.” BALANCA : Jurnal Ekonomi Dan Bisnis Islam 5, no. 1 (June 22, 2023): 1–11. https://doi.org/10.35905/balanca.v6i1.5079.
———. “Fatwa DSN-MUI No. 04/DSN-MUI/IV/2000 Tentang Murabahah.” BALANCA : Jurnal Ekonomi Dan Bisnis Islam 5, no. 1 (2023).
———. “Fatwa DSN-MUI No. 04/Dsn-Mui/Iv/2000 Tentang Murabahah Pada Produk Griya Ib Hasanah BSI Cabang Parepare.” Jurnal Kajian Ekonomi Dan Perbankan Syariah 2, no. 1 (2023).
Azizah, Khusnul, and Naufal Kurniawan Naufal. “Analisis Produk Pembiayaan Mitraguna Di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu (KCP) Banjarnegara Berdasarkan Fatwa DSN MUI No:04/DSN/MUI/IV/2000 Tentang Murabahah.” Jurnal Ekonomi Manajemen Akuntansi Keuangan Bisnis Digital 2, no. 2 (December 31, 2023): 137–48. https://doi.org/10.58222/jemakbd.v2i2.484.
Budi Santoso, Tulus. “Implementasi Akad Murabahah Pada Produk Pembiayaan Kendaraan Bermotor BMT Bina Insan Sejahtera Mandiri Syariah Tangerang Dalam Perspektif Fatwa DSN-MUI No:04/DSN-MUI/IV/2000 Tentang Murabahah.” JIESP Journal of Islamic Economics Studies and Practices 1, no. 2 (January 10, 2023): 251–63. https://doi.org/10.54180/jiesp.2022.1.2.251-263.
Eka Wahyuningrum, and Ismail Yahya. “Hybrid Contract Analysis On Sharia Safe Deposit Box Service Products.” Jurnal Al-Hakim: Jurnal Ilmiah Mahasiswa, Studi Syariah, Hukum Dan Filantropi 5, no. 1 (May 30, 2023): 72–83. https://doi.org/10.22515/jurnalalhakim.v5i1.7008.
Fakihudin, Rifki, Pramestya Raharjanti, and Muhammad Wahyu Saiful Huda. “RELEVANCE OF RELIGIOUS COURT DECISIONS REGARDING DISPENSATION IN CHILD MARRIAGE.” Indonesia Private Law Review 3, no. 1 (June 29, 2022): 37–46. https://doi.org/10.25041/iplr.v3i1.2567.
Farah, Abdikarim Abdullahi, Mohamud Ahmed Mohamed, Mohamed Ali Farah, Ismail Ali Yusuf, and Mohamed Sharif Abdulle. “Impact of Islamic Banking on Economic Growth: A Systematic Review of SCOPUS-Indexed Studies (2009–2024).” Cogent Economics & Finance 13, no. 1 (December 31, 2025). https://doi.org/10.1080/23322039.2025.2490819.
Fattah, Abdul, and Syahrul Anwar. “Integration of Maqāṣid Al-Sharīʿah in the Design of Hybrid Financial Contracts (Uquˉd Murakkabah).” Jurnal Iman Dan Spiritualitas 5, no. 4 (December 15, 2025): 719–32. https://doi.org/10.15575/jis.v5i4.48280.
Febriani, Asra. “HYBRID CONTRACT ACCORDING TO SHARIA ECONOMIC LAW PERSPECTIVE.” PROCEEDINGS: Dirundeng International Conference on Islamic Studies, May 31, 2022, 317–34. https://doi.org/10.47498/dicis.v1i1.1024.
Fitria, Tira Nur. “Islamic Banking Digitalization: Challenges and Opportunities in the Era of Industrial Revolution 4.0.” JIEI: Jurnal Ilmiah Ekonomi Islam 11, no. 1 (2025).
Ghozali, Mohammad, Devid Frastiawan Amir Sup, Ika Prastyaningsih, and Hasanuddin Yusuf Adan. “The Law Concept of Sharia Banking Compliance on Murabaha Financing in Indonesia.” Samarah: Jurnal Hukum Keluarga Dan Hukum Islam 8, no. 3 (August 24, 2024): 1391. https://doi.org/10.22373/sjhk.v8i3.11313.
Halim, Abdul, Ajrina Tamimi, Andika Wahyu Yudhana, and Alya Rahmah. “Application of Sharia Principles in Religious Court Decisions in Divorce.” Haqqiyyah: Journal of Islamic and Legal Studies 1, no. 1 (July 31, 2025): 39–48. https://doi.org/10.65358/haqqiyyah.v1i1.6.
Hamid, Wahyuniati, Ubud Salim, Djumahir, and Siti Aisjah. “The Effect of Al-Bai’ and Wadiah Contracts on Sharia Compliance and the Sharia Banking System Performance through the Maqashid Index in Sharia Banks in Indonesia.” Banks and Bank Systems 14, no. 4 (December 12, 2019): 104–13. https://doi.org/10.21511/bbs.14(4).2019.10.
Haris, Ahmad, Edy Lisdiyono, and Setiyowati. “The Reconstruction of Religious Court Decision Execution on the Fulfilment of Children’s Rights Post-Divorce in Indonesia.” Revista de Gestão Social e Ambiental 18, no. 7 (April 8, 2024): e5564. https://doi.org/10.24857/rgsa.v18n7-035.
Hasni, Hasniati, and Linda Amala Udzma. “Penerapan Hybrid Contract Dalam Aplikasi BSI Mobile Banking (Analisis Hukum Ekonomi Syariah).” Jurnal Kajian Islam Interdisipliner 8, no. 1 (June 26, 2023): 39–62. https://doi.org/10.14421/jkii.v8i1.1347.
Hidayat, Taufik, Rijah Muhammad Majdidin, Yogi Ridwan Habibi, and Heni Noviarita. “Implementation of Law Number 21 of 2008 Concerning Sharia Banking Against Sharia Financial Institutions.” KnE Social Sciences, January 11, 2024. https://doi.org/10.18502/kss.v9i2.15002.
Hidayati, N K, R Setyowati, and M Mulyani. “Hybrid Contract in Sharia Insurance Practices in Indonesia.” Jurnal Ilmiah Ekonomi Islam 7, no. 03 (2021).
Hidayati, Tri, and Muhammad Syarif Hidayatullah. “Urgensi Fatwa DSN-MUI Mengenai Manajemen Risiko Pembiayaan Berbasis Syariah.” Al-Manahij: Jurnal Kajian Hukum Islam 15, no. 2 (December 1, 2021): 201–20. https://doi.org/10.24090/mnh.v15i2.4641.
Hidayati, Tri, Muhammad Syarif Hidayatullah, Parman Komarudin, and Atika Atika. “Digitalization of Islamic Finance: Epistemological Study of the National Sharia Board-Indonesian Council of Ulama’s Fatwa.” Al-Ahkam 33, no. 2 (October 31, 2023): 255–78. https://doi.org/10.21580/ahkam.2023.33.2.17324.
Hotimah, Derani, Dandan Irawan, and Nanang Sobarna. “Implementasi Akad Pembiayaan Murabahah Pada Koperasi Pojok Syariah.” Eco-Iqtishodi : Jurnal Ilmiah Ekonomi Dan Keuangan Syariah 4, no. 1 (February 2, 2023): 1–10. https://doi.org/10.32670/ecoiqtishodi.v4i1.2956.
Kholidah, Muhammad Ridho, Sobhan, and Mahyudin Ritonga. “Violation of Women’s Rights on Divorce: Study on Religious Court Decision.” Journal of Law and Sustainable Development 12, no. 1 (January 22, 2024): e3006. https://doi.org/10.55908/sdgs.v12i1.3006.
Khusnia, Chinta, Mukaromatul Hisnidah, Umrotul Khasanah, and Khusnudin Khusnudin. “Hybrid Contract Pada Syariah Card Dalam Perspektif Ekonomi Islam.” Adzkiya : Jurnal Hukum Dan Ekonomi Syariah 13, no. 1 (June 30, 2025): 56–67. https://doi.org/10.32332/adzkiya.v13i1.8567.
Lutfianah Putri, and Uliyatul Mu’awwanah. “Aplikasi Hybrid Contract Pada Produk MJB: Studi Multiakad Di BMT Nusantara Capem Kencong.” Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 6, no. 7 (July 1, 2024). https://doi.org/10.47467/alkharaj.v6i7.3196.
M, Faruqi Imam, Abdal Abdal, and Tajul Arifin. “Penerapan Konsep Hybrid Contracts Dalam Pembiayaan Rahn Di Pegadaian Syariah.” AHKAM 3, no. 1 (January 1, 2024): 1–12. https://doi.org/10.58578/ahkam.v3i1.2441.
Mabrur, Imam, and Merry Andani. “A Literature Review on Islamic Contracts in Sharia Financing.” Islamijah: Journal of Islamic Social Sciences 6, no. 2 (2025).
Maksum, Muhammad, Muhammad Muflih, Mohamad Mujibur Rohman, Fahmi Injaz, and Yulizar D. Sanrego. “Why Do Women Micro-Entrepreneurs Adopt Islamic Digital Financing? Perspectives from UTAUT, Trust and Sharia Compliance.” Journal of Islamic Marketing 16, no. 12 (November 25, 2025): 3509–39. https://doi.org/10.1108/JIMA-03-2023-0087.
Mariana, Rani, and Mohamad Anton Athoillah. “Melacak Implementasi Transaksi Hybrid Contract Pada Produk Perbankan Syariah Di Indonesia.” AL-AFKAR: Journal for Islamic Studies 6, no. 3 (2023).
———. “Tracking the Implementation of Hybrid Contract Transactions in Islamic Banking Products in Indonesia.” Al-Afkar, Journal For Islamic Studies 6, no. 3 (2023).
Mohd Yunus, Saidatolakma, Nur Farhah Mahadi, Ahmad Akram Mahmad Robbi, and Rahimah Embong. “Shariah Issues on Selected Hybrid Products Practiced by Islamic Banks.” International Journal of Academic Research in Progressive Education and Development 12, no. 3 (September 20, 2023). https://doi.org/10.6007/IJARPED/v12-i3/19387.
Moosa, Riyad, and Smita Kashiramka. “Objectives of Islamic Banking, Customer Satisfaction and Customer Loyalty: Empirical Evidence from South Africa.” Journal of Islamic Marketing 14, no. 9 (August 17, 2023): 2188–2206. https://doi.org/10.1108/JIMA-01-2022-0007.
Muhammadi, Fauzan, Nor Fahimah Mohd Razif, and Rahimin Affandi Abdul Rahim. “Architecting Hybrid Contract in Al-Rahn: A Comparative Study between Malaysia and Indonesia.” Indonesian Comparative Law Review 6, no. 1 (January 22, 2024): 62–76. https://doi.org/10.18196/iclr.v6i1.20699.
Nabhani, Muhammad, and Bustanul Arifin. “Rekonstruksi Konsep Keadilan Relasional Dalam Filsafat Hukum Dan Implikasinya Terhadap Akad-Akad Muamalah Kontemporer.” CENDEKIA: Jurnal Studi Keislaman 11, no. 1 (June 25, 2025): 96–120. https://doi.org/10.37348/cendekia.v11i1.704.
Nasution, Hotnidah, Windy Triana, and Ahmad Rifqi Muchtar. “Ensuring Children’s Rights after Divorce in Indonesia: Religious Court Decisions on Nafkah Madiyah.” Al-Ahwal: Jurnal Hukum Keluarga Islam 17, no. 1 (June 1, 2024): 41–57. https://doi.org/10.14421/ahwal.2024.17103.
Ngazizah, Inna Fauziatal, Abdurrohman Kasdi, Kudrat Abdilah, Najichah Najichah, and Norhasnira Ibrahim. “Problematics of the Execution of Religious Court Decisions.” Fiat Justisia: Jurnal Ilmu Hukum 19, no. 3 (October 14, 2025): 251–64. https://doi.org/10.25041/fiatjustisia.v19no3.4172.
Niffilayani, Anita, and Le Thi Thao. “Legal Analysis of Islamic Economic Law on Hybrid Contracts in Islamic Financial Institution Products.” Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan 10, no. 2 (April 16, 2024): 232. https://doi.org/10.29300/mzn.v10i2.3002.
Nungki, N P, N H Nana, and Y P Yoyok. “Application of the Concept of Hybrid Contracts Pawning and Gold Investment in Sharia Banking (Case Study of Indonesian Sharia Bank KCP Majalengka Duchy).” Zona Law And Public …, 2024.
Nurcahyono, Sofyan, Habriyanto, and Muhammad Orinaldi. “Penerapan Akad Murabahah Pada Pembiayaan Kpr Syariah Berdasarkan Fatwa Dsn Mui Pada Bank Syariah Indonesia Cabang Jelutung.” Jurnal Ilmiah Ekonomi Dan Manajemen 1, no. 4 (2023).
Nurhayati, Fitroh, Lovi Yandi, Najwa Syifa Quthunnadaa Sausan, and Anas Malik. “Inovasi Produk Dan Digitalisasi Layanan Pada Pegadaian Syariah Di Era Ekonomi Digital.” Jurnal Ilmiah Ekonomi Dan Manajemen 3, no. Vol.3, No.5 Mei 2025 (2025).
Nurjaman, Muhamad Izazi, Ikin Rojikin, Hulaiva Pary, Syarif Hasim, and Dena Ayu. “Implementation Of Agreements In Multi Level Marketing (Mlm) Business Schemes Based On Sharia Principles.” Jurnal Ilmiah Ekonomi Islam 9, no. 3 (November 11, 2023): 3331. https://doi.org/10.29040/jiei.v9i3.10815.
Pitriani, Pitriani, Doli Witro, Muhamad Izazi Nurjaman, Iib Hibaturohman, and Imaro Sidqi. “Re-Reading Al-Uqud Al-Murakkabah: Types and Models of Hybrid Contracts Concept in Fatwa DSN-MUI.” Khazanah Hukum 6, no. 2 (August 31, 2024): 172–88. https://doi.org/10.15575/kh.v6i2.34717.
Pitsyahara, Isfi Rizka, and Akhmad Yusup. “Analisis Fatwa DSN-MUI No.04/DSN-MUI/IV/2000 Tentang Pembiayaan Murabahah Terhadap Pembiayaan Modal Usaha Di PNM Mekaar Syariah Cabang Cihampelas Kab. Bandung Barat.” Jurnal Riset Ekonomi Syariah, July 18, 2023, 57–62. https://doi.org/10.29313/jres.v3i1.1750.
Primadhany, Erry Fitrya. “ANALISIS KONSEP SHAFQATAINI FI SHAFQATIN PADA HYBRID CONTRACT AKAD IJARAH MUNTAHIYA BIT TAMLIK (IMBT).” Journal Evidence Of Law 2, no. 2 (May 29, 2023): 47–62. https://doi.org/10.59066/jel.v2i2.277.
Putri, Cindy Septiana, Nana Herdiana Abdurrahman, and Yoyok Prasetyo. “Application of Hybrid Contract Concept in Giro Product.” Zona Law and Public Administration Indonesia (ZLPAI) 1, no. 4 (2024).
R. Donny M. Iskandar, Tatik Maryanti, Acep R. Jayaprawira, and Siti Nurindah Sari. “Indonesian Islamic Banking Fintech Model Strategy: ANP Method.” Aptisi Transactions on Technopreneurship (ATT) 4, no. 2 (July 20, 2022): 142–52. https://doi.org/10.34306/att.v4i2.257.
Rahayuningsih, Eka. “Manajemen Risiko Pembiayaan KPA Trans Icon Di Bank Mega Syariah Dalam Perspektif Maqashid Al Shariah.” Jurnal Ilmiah Ekonomi Islam 9, no. 3 (November 20, 2023): 3812. https://doi.org/10.29040/jiei.v9i3.10875.
Rahma, Fuji Alia, Heni Noviarita, and Rita Zaharah. “The Implementation of Law Number 21 of 2008 Concerning Sharia Banking on Sharia Financial Institutions Is Underway Sharia Economic Law Perspective.” ASAS 16, no. 1 (August 5, 2024). https://doi.org/10.24042/asas.v16i1.18779.
Ramadhaniar El Islamy, Aditya, Nana Herdiana Abdurrahman, and Yoyok Prasetyo. “Pembiayaan Sindikasi Bank Syariah Perspektif Hukum Ekonomi Syariah.” Jurnal Riset Sosial Humaniora Dan Pendidikan 2, no. 1 (March 27, 2023): 54–60. https://doi.org/10.56444/soshumdik.v2i1.526.
Risky Sobari, Tuti Anggraini, and Nurul Inayah. “Analisis Pelaksanaan Akad Murabahah Dalam Pembiayaan Pembelian Rumah (PPR) Syariah, Studi Kasus Bank Syariah Indonesia KCP Medan Marelan.” El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 5, no. 4 (February 9, 2024): 2414–23. https://doi.org/10.47467/elmal.v5i4.1943.
Rizieq, Muhammad. “Keabsahan Kripto Dalam Perspektif Hukum Ekonomi Syariah: Studi Kasus Fatwa DSN-MUI Terhadap Aset Kripto.” Jurnal Multidisiplin Ilmu Akademik 2, no. 4 (2025).
Sa’diyah, Mahmudatus, Asep Gugun Gumilar, and Edi Susilo. “Sharia Hybrid Contract Compliance of Islamic Microfinance Institutions in Jepara Regency.” EkBis: Jurnal Ekonomi Dan Bisnis 4, no. 2 (December 28, 2020): 441. https://doi.org/10.14421/EkBis.2020.4.2.1272.
Saefuddin, Saefuddin. “Sharia Banking in State Economic Policy (Study on Politics and Sociology of Islamic Law towards the Enforcement of Law Number 21 of 2008 on Sharia Banking).” Millah 19, no. 1 (August 2019): 1–22. https://doi.org/10.20885/millah.vol19.iss1.art1.
Sakirah Sakirah, Wahyuni Wahyuni, Andi Oddang, and Sitti Nikmah Marzuki. “Tinjauan Ekonomi Islam Pada Implementasi Gadai Emas Di Pegadaian Syariah.” Journal of Islamic Economics and Finance 3, no. 1 (January 2, 2025): 51–63. https://doi.org/10.59841/jureksi.v3i1.2189.
Sakum, Sakum. “IMPLEMENTASI AKAD MURABAHAH PADA PRODUK PEMBIAYAAN MURABAHAH DI KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH BAITUL MAAL WAT TAMWIL FAJAR CABANG BEKASI.” Jurnal Ekonomi Syariah Pelita Bangsa 6, no. 01 (April 10, 2021): 20–29. https://doi.org/10.37366/jespb.v6i01.173.
Sanuri, Nafi’ Mubarok, Suqiyah Musafa’ah, and Yoga Irama. “Epistemological Transformation of ʿUrf in the DSN-MUI Fatwa on E-Commerce: A Maqāṣid Al-Sharīʿah Based Analysis.” Al-Manahij: Jurnal Kajian Hukum Islam 19, no. 2 (July 10, 2025): 167–90. https://doi.org/10.24090/mnh.v19i2.13145.
Sauqi, Muhammad. “ANALISIS FATWA DSN-MUI TERHADAP HYBRID CONTRACT PADA LEMBAGA KEUANGAN SYARIAH.” Jurnal Hadratul Madaniyah 10, no. 2 (December 26, 2023): 54–60. https://doi.org/10.33084/jhm.v10i2.6541.
Sehen Issa, Jabbar, Mohammad Reza Abbaszadeh, and Mahdi Salehi. “The Impact of Islamic Banking Corporate Governance on Green Banking.” Administrative Sciences 12, no. 4 (December 12, 2022): 190. https://doi.org/10.3390/admsci12040190.
Setyowati, Ro’fah, Bagas Heradhyaksa, and Ismail Suardi Wekke. “Sharia Compliance in the Islamic Banking Percepetion in Indonesia.” International Journal of Innovation, Creativity and Change 5, no. 2 (2019).
Shaikh, Salman Ahmed. “Market Development of Islamic Banking in Pakistan and Its Economic Impact.” Journal of Islamic Accounting and Business Research 16, no. 1 (January 2, 2025): 53–74. https://doi.org/10.1108/JIABR-02-2022-0028.
Sheikh, Rafiullah, and Khalid Hussain. “Reimagining Islamic Banking in the Light of Maqasid Shariah.” Qualitative Research in Financial Markets 17, no. 5 (December 4, 2025): 1113–34. https://doi.org/10.1108/QRFM-04-2024-0108.
Shomad, Abd, and Sudirman. “Financing Problem Completion Based on Article 40 Jo Article 55 Law Number 21 of Year 2008 Concerning Sharia Banking.” Journal of Advanced Research in Dynamical and Control Systems 11, no. 5 Special Issue (2019).
Silvia, Mega, Nana Herdiana Abdurrahman, and Yoyok Prasetyo. “Penerapan Hybrid Contract Dalam Pebiayaan Cicil Emas.” AHKAM 2, no. 1 (March 1, 2023): 1–21. https://doi.org/10.58578/ahkam.v2i1.784.
Siregar, Muhammad Islah, Muhammad Miftahul Ikhsan, Nana Herdiana Abdurrahman, Iwan Setiawan, and M Rizki Fadillah. “Innovating Murabahah through Hybrid Contracts: A Normative Juridical Analysis of Sharia-Compliant Financial Practices and Governance in Islamic Banking.” Strata Law Review 3, no. 2 (September 30, 2025): 56–64. https://doi.org/10.59631/slr.v3i2.135.
Sumanti, Eva, Camelia Sofwan Al-Rasyid, Pitriani Pitriani, Muhamad Izazi Nurjaman, and Raid Alghani. “Integrating Hybrid Sharia Contracts in Letter of Credit (L/C) Transactions for Export and Import in Islamic Banking in Indonesia.” Al-’Adalah 21, no. 2 (December 26, 2024): 449. https://doi.org/10.24042/adalah.v21i2.23301.
Supriyadi, Supriyadi, and Nina Kurniawati. “Hybrid Contracts in Islamic Banking: A Shariah and Fiqh Muamalat Perspective.” Masyrif : Jurnal Ekonomi, Bisnis Dan Manajemen 6, no. 2 (December 31, 2025): 347. https://doi.org/10.28944/masyrif.v6i2.2474.
Sya’bani, Ridwan Nur, and Isti’anah. “Kesesuaian Produk Pembiayaan Jual Beli Barang Dalam Perspektif Fatwa DSN MUI No: 04/DSN-MUI/IV/2000 Dengan Akad Murabahah Di Baitut Tamwil Muhammadiyah Banyumas.” BISEI : Jurnal Bisnis Dan Ekonomi Islam 9, no. 2 (December 10, 2024): 76–90. https://doi.org/10.33752/bisei.v9i2.6389.
Syahrir, Dimas Kenn, and Erika Amelia. “Implementation of Hybrid Contracts in the Gold Pawn Practice in Sharia Pawnshops.” Iqtisad: Reconstruction of Justice and Welfare for Indonesia 10, no. 2 (December 23, 2023): 131–48. https://doi.org/10.31942/iq.v10i2.8333.
Taufik Syamlan, Yaser, Sari Wahyuni, Ignatius Heruwasto, and Mohammad Hamsal. “Exploring Sharia Compliance Parameters in Marketing to Foster Innovation and Collaboration within Islamic Finance.” Journal of Islamic Marketing 17, no. 1 (January 30, 2026): 96–136. https://doi.org/10.1108/JIMA-04-2024-0172.
Triyanto, Dedik. “Sharia Compliance, Islamic Corporate Governance, and Fraud: A Study of Sharia Banks in Indonesia.” Journal of Intelligence Studies in Business 12, no. 1 (December 22, 2022): 34–43. https://doi.org/10.37380/jisib.v12i1.925.
Usman, Hardius, Nucke Widowati Kusumo Projo, Chairy Chairy, and Marissa Grace Haque. “The Exploration Role of Sharia Compliance in Technology Acceptance Model for E-Banking (Case: Islamic Bank in Indonesia).” Journal of Islamic Marketing 13, no. 5 (March 29, 2022): 1089–1110. https://doi.org/10.1108/JIMA-08-2020-0230.
Wahyudi, Ilham. “Manajemen Risiko Terhadap Praktik Akad Hybrid Pada Pembiayaan UMKM Di Indonesia Melalui Digitalisasi Perbankan Syariah.” Moderasi : Journal of Islamic Studies 5, no. 1 (June 12, 2024): 303–16. https://doi.org/10.54471/moderasi.v5i1.115.
Wahyudi, Muhamad Isna. “Judges’ Legal Reasoning on Child Protection: Analysis of Religious Courts’ Decisions on the Case of Child Parentage.” Al-Jami’ah: Journal of Islamic Studies 55, no. 1 (June 26, 2017): 127–54. https://doi.org/10.14421/ajis.2017.551.127-154.
Yasardin, Yasardin, and Syuhood B. Kooria. “Revisiting the Compilation of Islamic Economic Law in Indonesia: Legal Challenges and Pathways to Harmonization.” JURIS (Jurnal Ilmiah Syariah) 24, no. 1 (June 27, 2025): 127. https://doi.org/10.31958/juris.v24i1.13736.
Yuninsi, Andi Asti, Rahma Aulia, and Ilham Ilham. “Fatwa-Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (Dsn-Mui) Dan Aspek Hukum Islam.” Journal of Islamic Banking and Finance Studies 1, no. 1 (2025).
Yusuf, Muhammad, Elis Sondang Dasawaty, Martha Ayerza Esra, Prima Apriwenni, Carmel Meiden, and Mochammad Fahlevi. “Integrated Reporting, Corporate Governance, and Financial Sustainability in Islamic Banking.” Uncertain Supply Chain Management 12, no. 1 (2024): 273–90. https://doi.org/10.5267/j.uscm.2023.9.022.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Zeis Zultaqawa, Joni Harianto, Yaumi Sidik Ginanjar, Mohamad Donie Aulia, Wahyudi (Author)
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
