Ijtihad Imam Ahmad bin Hanbal dan Implementasinya dalam Keuangan Syariah: Analisis Kuantitatif Pembiayaan dan Non Performing Financing (NPF) di Indonesia 2019–2024

Vialdi Nopitasari, Muhajirin Muhajirin

Abstract


This study aims to examine the relevance of Imam Ahmad bin Hanbal's ijtihad principles, particularly the emphasis on the use of text-based contracts, in the context of modern Islamic finance in Indonesia. The research method used is a quantitative approach with time series data for the period 2019–2024. The variables used include murabahah; ijarah; total weak hadith; and sukuk as independent variables and non-performing financing as the dependent variable. The analytical tool used is multiple linear regression. The results show that murabahah has a negative and significant effect on non-performing financing (NPF), while ijarah, total weak hadith, and sukuk are not significant. Simultaneously, this research model is almost significant with a high coefficient of determination (R²), this confirms that Imam Ahmad bin Hanbal's ijtihad principles that prioritize texts are still relevant in contemporary Islamic financial practices, especially in maintaining financing quality.

Keywords


Ijtihad, Imam Ahmad bin Hanbal, Murabahah, Sukuk, NPF, Islamic Finance

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DOI: http://dx.doi.org/10.33087/jiubj.v25i3.6350

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