1

2

1

dual (economic system

.

(Islamic

(Banking Act (Government Investment Act)

2

(Bank Islam Malaysia Berhard

3(Bank Muamalat Malaysia

Berhard)(Asian Finance Bank

(Kuwait Finance

House)(Al-

Rajhi Banking dan Investment Corporation)

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

2Ascarya, Akad dan Produk, h. 76.

3

3

Qatar Islamic Bank

(RSUD Investment Bank Inc(Global

Investment House

6

7

(sale and buy back)

4Sudin Haron, Wan Asmi, Wan Nursofiza, Islamic Finance and Banking System: Philosophies,

Principles, and Practices (Kuala Lumpur: McGraw Hill Education, 2009), h. 78. 5(saving account –i)،

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

government investment issues -i)). 6Erwandi Tarmizi, Harta Haram Muamalat Kontemporer (Bogor: PT. Berkat Mulia Insani, cet.

IV, 2013), h. 23. 7Ascarya, Akad dan Produk, h. 34.

4

(deferred payment (sale

8

9

(sales contract

10

11

OKI

8Ascarya, Akad dan Produk, h. 98.

10

11

12

5

(Organisasi Konferensi Islam 13

OKI) (Organisasi Konferensi Islam

National

Sharia Advisory Council NSAC)

Central Bank of (Malaysia

Majlis

Penasihat Syari’ah) (MPS

Pasaran Wang antara Bank secara Islam (Islamic Interbank

Money Market (government investment

issues –i Terbitan Sijil Hutang Boleh

Negara ,(Negotiable ,Islamic (Debt credit card –

i))

13

6

(cash line facility –i)

,(education financing -i) personal financing –i

revolving credit facility –i

share financing –i)

(credit card -i

Pasaran Wang antara Bank secara Islam ,(Islamic Interbank

Money Market government investment issues -

i)) ( Terbitan Sijil Hutang Boleh Negara

(Negotiable ,Islamic Debt (Malaysian

Islamic treasury bills) ,(Bank

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

14

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

7

15

Pasaran Wang antara Bank secara Islam

(Islamic Interbank Money Market

(government investment issues –i

Terbitan Sijil Hutang Boleh Negara ,(Negotiable Islamic (Debt

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

1920

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

MPS) (Majlis

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

Majlis Penasihat Syari’ah) (MPS

30

31

30

Nazir, Metode Penelitian (Bogor: Ghalia Indonesia, 2011), h. 174 31

Peter, Penelitian Hukum, h. 43.

14

MPS) (Majlis (Penasihat Syari’ah

MPS) (Majlis Penasihat Syari’ah

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