[et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ background_color=”#0c71c3″ custom_padding=”0px|0px|0px|0px” global_colors_info=”{}”][et_pb_fullwidth_header title=”Journal of Contemporary Islamic Law” subhead=”No eISSN: 0127-788X” title_font_color=”#ffffff” subhead_font_color=”#ffffff” _builder_version=”4.16″ title_font=”|on|||” title_text_color=”#ffffff” title_font_size=”40px” content_font_size=”10px” subhead_text_color=”#ffffff” subhead_font_size=”20px” background_color=”#0c71c3″ parallax=”on” parallax_method=”on” custom_margin=”-30px||-30px” button_one_letter_spacing_hover=”0″ button_two_letter_spacing_hover=”0″ saved_tabs=”all” global_colors_info=”{}” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”on” button_one_letter_spacing__hover=”0″ button_two_letter_spacing__hover_enabled=”on” button_two_letter_spacing__hover=”0″ button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=”1″ specialty=”on” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” parallax__hover=”off” parallax_method__hover=”on” custom_padding__hover=”|||”][et_pb_blurb title=”2022 7(1)” url=”https:\/\/www.ukm.my\/jcil\/jcil-2017-2-2\/” use_icon=”on” font_icon=”I||divi||400″ icon_color=”#0c71c3″ image_icon_background_color=”#ffffff” icon_placement=”left” image_icon_width=”16px” _builder_version=”4.19.3″ header_text_color=”#0c71c3″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” image_icon_custom_padding=”8px|8px|8px|8px|false|false” text_orientation=”center” max_width_tablet=”50px” border_radii_image=”on|100%|100%|100%|100%” border_width_all_image=”2px” border_color_all_image=”#0c71c3″ use_circle=”on” use_circle_border=”on” circle_border_color=”#0c71c3″ circle_color=”#ffffff” global_colors_info=”{}” image_icon_background_color__sticky_enabled=”#1e73be” image_icon_background_color__sticky=”#1e73be”]<\/p>\n
15 JUNE 2022<\/p>\n
[\/et_pb_blurb][et_pb_image src=”https:\/\/www.ukm.my\/jcil\/wp-content\/uploads\/2022\/06\/Cover-JCIL-2022-71.png” title_text=”Cover JCIL 2022 7(1)” align_tablet=”center” align_phone=”” align_last_edited=”on|desktop” _builder_version=”4.19.3″ animation_style=”slide” animation_direction=”left” animation_duration=”500ms” animation_intensity_slide=”10%” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”2_3″ specialty_columns=”2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” parallax__hover=”off” parallax_method__hover=”on” custom_padding__hover=”|||”][et_pb_row_inner admin_label=”Row” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”2_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” parallax__hover=”off” parallax_method__hover=”on” custom_padding__hover=”|||”][et_pb_text admin_label=”Tajuk” _builder_version=”4.19.3″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” module_alignment=”left” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”Penulis” _builder_version=”4.19.3″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” module_alignment=”left” global_colors_info=”{}”]<\/p>\n
Erfan Asmaie Khairul Anam, <\/strong>p110133@siswa.ukm.edu.my<\/em><\/span> [\/et_pb_text][et_pb_text admin_label=”Volume & PDF” _builder_version=”4.19.3″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” module_alignment=”left” global_colors_info=”{}”]<\/p>\n 2022, Vol. 7(1), pp. 14-25. \u00a0| \u00a0PDF<\/a> <\/span> [\/et_pb_text][et_pb_tabs admin_label=”Abstract & References” _builder_version=”4.19.3″ body_text_align=”justify” background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_tab title=”ABSTRAK” _builder_version=”4.19.3″ body_font=”||||” body_text_align=”justify” body_line_height=”2em” tab_font=”||||” tab_line_height=”2em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” body_line_height_tablet=”2em” body_line_height_phone=”2em” tab_line_height_tablet=”2em” tab_line_height_phone=”2em” global_colors_info=”{}”]<\/p>\n Penstrukturan semula pembiayaan merupakan salah satu kemudahan yang sudah biasa ditawarkan oleh institusi perbankan Islam untuk memberi keringanan kepada pelanggan yang berhadapan dengan bebanan dan masalah kewangan. Kemudahan ini dilihat mampu mengurangkan serta menghilangkan kemudaratan yang berlaku khususnya kepada pelanggan dalam situasi tertentu seperti bencana. Namun, sejauh manakah kemudahan ini dapat mencapai matlamat dan mengaplikasikan kaedah tersebut. Matlamat utama kajian ini adalah untuk menganalisis kaedah menghilangkan kemudaratan dalam penstrukturan semula pembiayaan Islam. Tujuan kaedah ini dikenal pasti adalah untuk melihat sejauh mana kebajikan dan keprihatinan institusi perbankan Islam dalam menjaga kepentingan dan kemaslahatan pelanggan khususnya ketika berlaku bencana alam dan kemalangan yang memerlukan kepada perancangan serta pengurusan kewangan yang lebih teratur. Kajian ini menggunakan kaedah kualitatif melalui analisis kandungan. Data-data dianalisis dengan menggunakan kaedah deskriptif dan deduktif. Hasil kajian mendapati bahawa kaedah menghilangkan kemudaratan telah diaplikasikan dalam penstrukturan semula pembiayaan melalui beberapa kaedah pecahan sama ada melibatkan pertembungan situasi umum dan khusus, kemudaratan besar dan ringan, atau kemudaratan dan kemaslahatan. Kemudaratan yang berlaku secara umum dan lebih besar atau ditanggung oleh masyarakat keseluruhannya sudah pasti lebih diutamakan daripada kemudaratan yang berlaku secara khusus atau kepada bank selagi mana tidak menyebabkan institusi perbankan lumpuh dan gagal. Walau bagaimanapun, kemudahan yang diberikan dengan sebab kemudaratan yang berlaku itu perlu ditentukan kadarnya agar kepentingan dan keadilan kedua-dua belah pihak terpelihara.<\/p>\n Kata Kunci: Keringanan, kemudaratan, penstrukturan semula, pembiayaan Islam, keuntungan berganda<\/p>\n [\/et_pb_tab][et_pb_tab title=”ABSTRACT” _builder_version=”4.19.3″ body_font=”||||” body_text_align=”justify” body_line_height=”2em” tab_font=”||||” tab_line_height=”2em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” body_line_height_tablet=”2em” body_line_height_phone=”2em” tab_line_height_tablet=”2em” tab_line_height_phone=”2em” global_colors_info=”{}”]<\/p>\n Financing restructuring is one of the common facilities offered by Islamic banking institutions to provide relief to customers facing financial burdens and problems. This facility is seen to reduce and eliminate the harm that occurs, especially to customers in certain situations such as disasters. However, how can this facility achieve the goal and apply the method. The main aim of this study is to analyze the methods of eliminating harm in the restructuring of Islamic financing. The purpose of this method is to see the extent of the welfare and concern of Islamic banking institutions in safeguarding the interests and welfare of customers, especially during natural disasters and accidents that require more orderly financial planning and management. This study uses qualitative methods through content analysis. The data were analyzed using descriptive and deductive methods. The study results found that the harm elimination method has been applied in restructuring financing through several fractional ways, whether involving the clash of general and specific situations, significant and minor harms, or harms and benefits. Disadvantages or harm that occur in general and are more remarkable or are borne by society as a whole are certainly more prevalent than harms that occur specifically or to banks as long as they do not cause banking situations to paralyze and fail. However, the facilities provided for the cause of the harm must be determined so that the interests and justice of both parties are preserved.<\/p>\n Keywords: Relief, harm, restructuring, Islamic financing, compounding interest<\/p>\n [\/et_pb_tab][et_pb_tab title=”REFERENCES” _builder_version=”4.19.3″ body_font=”||||” body_line_height=”2em” tab_font=”||||” tab_line_height=”2em” body_line_height_tablet=”2em” body_line_height_phone=”2em” tab_line_height_tablet=”2em” tab_line_height_phone=”2em” global_colors_info=”{}”]<\/p>\n Al-Quran al-Karim.<\/p>\n Ab. Latif Muda & Rosmawati Ali @ Mat Zin. 2021. Perbahasan Kaedah-Kaedah Fiqh. Kundang Jaya: Pustaka Salam.<\/p>\n Abdul Muneem, Nor Fahimah Mohd Razif & Abdul Karim Ali. 2020. Issues On Restructuring of a Financing Facility in Malaysian Islamic Banks. Jurnal Syariah 28(1): 105-126.<\/p>\n Abdullah Muhammad Basm\u012bh. 1998. Tafsir Pimpinan al-Rahman Kepada Pengertian al-Quran 30 Juzu`. Kuala Lumpur: Dar al- Fikri.<\/p>\n Ahmad Munawar Ismail & Mohd Nor Shahizan Ali. 2020. Mengenali Kuantitatif & Kualitatif Dalam Penyelidikan Pengajian Islam. Bangi: UKM.<\/p>\n Ahmad Syahir Yahya, Wan Nur Syuhada Wan Norhaidi & Khairul Fikry Jamaludin. 2020. Covid-19 Pandemic: Rescheduling or Restructuring of Financing\/Loan Facilities With Banking and Financial Institutions. Corporate Communications Azmi & Associates.<\/p>\n Berita Harian. 25 September 2020. https:\/\/www.bharian.com.my\/rencana\/komentar\/2020\/09\/734909\/pandemik-ajar-kepentingan-urus-kewangan.<\/p>\n Bank Islam. 2020. Soalan-Soalan Lazim Berkaitan Program Penjadualan\/Penstrukturan Semula.<\/p>\n Bank Negara Malaysia. 2010. 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Lincoln: University of Nebraska.<\/p>\n Dewan Bahasa dan Pustaka. 2005. Kamus Dewan. Kuala Lumpur: Dewan Bahasa dan Pustaka.<\/p>\n Duski Ibrahim. 2019. Al-Qawa\u02bfid Al-Fiqhiyyah (Kaidah-Kaidah Fiqh). Palembang: Noerfikri.<\/p>\n H. Mif Rohim. 2019. Buku Ajar Qawa\u02bfid Fiqhiyyah (Inspirasi Dan Dasar Penetapan Hukum). Jawa Timur: LPPM Universitas Hashim Asy\u02bfari Tebuireng Jombang.<\/p>\n Ibnu Kath\u012br al-Qurash\u012b al-Dimashq\u012b, Ab\u012b al-Fid\u0101\u2019 Ism\u0101\u02bf\u012bl bin \u02bfUmar. 1999. Tafs\u012br al-Qur\u2019\u0101n al-\u02bfAz\u012bm. al-Riya\u1e0d: D\u0101r \u1e6caibah Lilnashri Wa al-Tawz\u012b\u02bf.<\/p>\n Ibnu M\u0101jah, Ab\u012b Abdillah Muhammad bin Yaz\u012bd al-Qazw\u012bn\u012b. 2014. Sunan Ibnu M\u0101jah. Lubnan: D\u0101r al-Ta\u2019\u1e63\u012bl.<\/p>\n Majlis Penasihat Shariah Bank Negara Malaysia. 2020. Keputusan Majlis Penasihat Shariah Bank Negara Malaysia (MPS) Berhubung Penstrukturan dan Penjadualan Semula Pembiayaan.<\/p>\n Majlis Penasihat Shariah Bank Negara Malaysia. 2021. Keputusan Majlis Penasihat Shariah Bank Negara Malaysia (MPS) Berhubung Keuntungan Berkompaun bagi Pembiayaan Penstrukturan dan Penjadualan Semula (R&R) Secara Islam.<\/p>\n Majma\u02bf al-Lughah al-\u02bfArabiyyah. 2004. Al-Mu\u02bfjam al-Was\u012b\u1e6d. Kairo: Maktabah al-Shur\u016bq al-Dauliyah<\/p>\n Megat Hizaini Hassan & Sharmeen Dahlia. 2020. Recent Shariah Advisory Council Rulling on Restructuring of Islamic Financing Facilities. https:\/\/www.lh-ag.com\/wp-content\/uploads\/2020\/08\/Recent-Shariah-Advisory-Council-<\/p>\n Ruling-on-Restructuring-of-Islamic-Financing-Facilities-LHAG-update-20200821.pdf. [21 Ogos 2020].<\/p>\n Muhammad Hanief Awang Yahaya. 2021. Kompas Hidup Bersyariat: 300 Aplikasi Kaedah Fiqh Dalam Kehidupan. Kuala Lumpur: PTS Publications & Distributors Sdn. Bhd.<\/p>\n Muhammad Soleh bin Ahmad. 2017. Qaw\u0101\u02bfid Fiqhiyyah. Selangor: Pustaka Haji Abdul Majid<\/p>\n Muhyiddin Yassin. 2020. Penangguhan Bayaran Balik Pinjaman Bank dan Penyusunan Semula Baki Kad Kredit Serta Pinjaman Korporat. https:\/\/www.pmo.gov.my\/2020\/03\/penangguhan-bayaran-balik-pinjaman-bank-dan-penyusunan-semula-baki-kad-kredit-serta-pinjaman-korporat\/. [25 Mac 2020].<\/p>\n Muslim bin al-Hajj\u0101j, Ab\u016b al-Husain al-Qushair\u012b al-Naisab\u016br\u012b. 2006. \u1e62a\u1e25\u012b\u1e25 Muslim. al-Riya\u1e0d: D\u0101r Taibah.<\/p>\n Rosman Mohamed. 2020. Moratorium: Apa Bank Nak Kata?. 5 Mei. https:\/\/www.youtube.com\/watch?v=w83a3uXKU8k. [12 Mei 2020].<\/p>\n Sinar Harian. 28 November 2020. https:\/\/m.sinarharian.com.my\/mobile-article?articleid=134019.<\/p>\n Sinar Harian. 23 Jun 2021. https:\/\/www.sinarharian.com.my\/article\/145906\/BISNES\/Bank-perlu-berubah-berikutan-pandemik-terus-menjejaskan.<\/p>\n Sinar Harian. 14 Julai 2021. https:\/\/www.sinarharian.com.my\/article\/149885\/KHAS\/Pendapat\/Moratorium-Keperluan-atau-kehendak.<\/p>\n SME Corporation Malaysia. 2021. PKS Normal Baharu: Membangun Semula Ekonomi. Kuala Lumpur: MPUPK<\/p>\n al-Suy\u016b\u1e6d\u012b, al-Im\u0101m Jal\u0101l al-D\u012bn Abd al-Ra\u1e25m\u0101n. 1983. Al-Ashb\u0101h Wa Al-Na\u1e93\u0101\u2019ir F\u012b Qaw\u0101\u02bfid Wa Fur\u016b\u02bf Fiqh al-Sh\u0101fi\u02bfiyyah. Beirut: D\u0101r al-Kutub al-\u02bfIlmiyyah.<\/p>\n Tengku Zafrul Tengku Abdul Aziz. 27 Julai 2020. https:\/\/www.mof.gov.my\/portal\/ms\/berita\/akhbar\/lebih-394-000-peminjam-dihubungi-untuk-struktur-jadual-semula-pinjaman-tengku-zafrul.<\/p>\n Zaharuddin Abd. Rahman. 2020. Penjelasan Kekeliruan Moratorium Oleh Bank Negara Malaysia. 1 Mei. https:\/\/www.youtube.com\/watch?v=OdnT7JaPzeA. [2 Mei 2020].<\/p>\n [\/et_pb_tab][\/et_pb_tabs][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" 15 JUNE 2022Analisis Kaedah Menghilangkan Kemudaratan Dalam Penstrukturan Semula Pembiayaan Islam Analysis of Harm Retrieval Methods in Islamic Financing RestructuringErfan Asmaie Khairul Anam, p110133@siswa.ukm.edu.myPostgraduate Student, Research Centre for Sharia, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.Abdul Basir Mohamad, abasir@ukm.edu.myResearch Centre for Sharia, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.Mohammad Zaini Yahaya, zainiyahya@ukm.edu.myResearch Centre for Sharia, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-2780","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/pages\/2780","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/comments?post=2780"}],"version-history":[{"count":3,"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/pages\/2780\/revisions"}],"predecessor-version":[{"id":2785,"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/pages\/2780\/revisions\/2785"}],"wp:attachment":[{"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/media?parent=2780"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
<\/em>Postgraduate Student, Research Centre for Sharia, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.
Abdul Basir Mohamad, <\/strong>abasir<\/em>@ukm.edu.my
<\/span><\/em><\/span>Research Centre for Sharia, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.
Mohammad Zaini Yahaya, <\/strong>zainiyahya<\/em>@ukm.edu.my
<\/span><\/em><\/span>Research Centre for Sharia, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.
<\/span>Received: January 19, 2021 | Accepted: April 05, 2021 | Published: June 15, 2022<\/p>\n
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