Hibah Amanah In The Islamic Finance Industry In Malaysia: Analysis Of Shariah Issues On The Terms Of Akad Hibah

Hibah Amanah Di Industri Kewangan Islam Di Malaysia: Analisa Isu Syariah Terhadap Syarat Akad Hibah

Abstract

The implementation of hibah Amanah in Malaysia has come in tandem with the development of the Islamic finance industry in the country. Several institutions have offered this instrument to launch the management of Muslim property. Based on the research of several models that have been implemented by Islamic financial institutions, there are a number of issues that require a clear description and answer from a Shariah point of view. Therefore, this study aims to discuss the issue of sharia towards the condition of akad hibah. The study used a qualitative method, in which primary data is collected from in-depth interviews. This study also used descriptive analysis which involved data retrieval through library methods such as turath books, books, journals, Shariah resolutions and fatwas. The discussion of jurists of the past is consulted and researched to form the concept and theme of the analysis.  The results of the study found that the trust hibah includes  the conditions on the period of ownership and the conditions on the hibah property transaction which has various views on the side of the jurist.  The novelty of the study lies in the analysis of conditional hibah in the ruling of fiqh together with the argument for the development of the product of hibah trust.

Abstrak
Pelaksanaan hibah amanah di Malaysia telah wujud seiring dengan perkembangan industri kewangan Islam di negara ini. Beberapa institusi telah menawarkan instrumen ini bagi melancarkan pengurusan harta orang Islam. Berdasarkan penelitian terhadap beberapa model yang telah dilaksanakan oleh institusi kewangan Islam, terdapat beberapa isu yang memerlukan kepada satu huraian dan jawapan yang jelas dari sudut Syariah. Oleh itu, kajian ini bertujuan membincangkan isu syariah terhadap syarat akad hibah. Kajian ini menggunakan kaedah kualitatif, di mana data primer dikumpul daripada temu bual secara mendalam. Kajian ini juga menggunakan analisis deskriptif yang melibatkan pengambilan data melalui kaedah kepustakaan seperti kitab turath, buku, jurnal, resolusi Syariah dan fatwa. Perbincangan fuqaha silam dirujuk dan diteliti bagi membentuk konsep dan tema analisis. Hasil kajian mendapati hibah amanah merangkumi syarat ke atas tempoh pemilikan dan syarat ke atas transaksi harta hibah yang mempunyai pelbagai pandangan di sisi fuqaha. Kebaharuan kajian terletak pada analisis hibah bersyarat dalam hukum fiqh bersama-sama dengan hujah pentarjihan untuk pembangunan produk hibah amanah.