Interpretation Study: Understanding Muamalah in Hospital Financial Transactions

Abstract

Abstract: This study aims to examine muamalah interpretation in hospital finance by highlighting the gap in previous studies, which generally only focus on maqashid syariah or specific contracts such as zakat and waqf. The novelty of this study lies in its comprehensive approach to muamalah interpretation in the context of hospital finance. Previous studies show that the implementation of Sharia-based hospitals is still partial, although on the other hand it has been proven to increase public trust positively. The research method used is qualitative with an in-depth literature study approach. The analysis was carried out using maudu'i (thematic) interpretation of primary and secondary data. Primary data was sourced from verses of the Qur'an, namely QS. Al-Maidah: 1, Al-Isra: 34, Al-Baqarah: 275 and 280, and An-Nisa: 29. Secondary data consisted of literature reviews from tafsir books and scientific journals relevant to the implementation of muamalah in hospital finance. The results of the study show that muamalah in these verses emphasises four key words, namely al-‘uqud, riba, maisarah, and tijarah. Muamalah is interpreted as a binding contract, unlike riba, which has a grace period and is a commercial transaction. Its implementation in hospital finance involves six contracts, namely ijarah, bai’, mudharabah, musyarakah, wakalah bil ujrah, and tabarru’. However, there is still debate regarding differences in drug prices in various places, which opens up opportunities for further study in the future.

Keywords: Interpretation of Muamalah; Sharia Hospital Finance; Sharia Contracts