[A Reassessment of The Al-Darurah Concept in Current Islamic Finance] Satu Penilaian Semula Konsep al-Darurah Dalam Kewangan Islam Semasa

The concept of al-darurah is a subject that has to be empowered and to be explored by students and scholars of Islamic studies. Al-darurah in Islamic finance is a concept that expend the theory of darurah from fiqh perspective and covered it from the perspective of darurah usuliyah as well. In Islamic finance, they applied the darurah concept such as in Tawarruq Munazam based products. Tawaruq Munazam has been ruled as not permissible by The International Council of Fiqh Academy of OIC in 2009 however it has been applied in Islamic banking in Malaysia based on the essential requirement in the current practise through Islamic products. Hence, a comprehensive and dynamic assement towards that application need to be applied to ensure that the application of darurah in Islamic finance not only align with the real concept of al-darurah but also meet the methodology of Islamic jurisprudence according to Maqasid  al-Shariah. This article aimed to explain the concept of darurah in Islam in addition to describe the application of methodology of jurisprudence in Islamic finance to ensure the product of Islamic banking is attain the micro economies perspective. The method that has been applied is inductive, deductive and comparative. The finding of this article affirm that the concept of darurah has not yet been explored widely and be applied in the context of methodology of Islamic finance according to Maqasid  al-Kulliyah in order to attain the substance meaning of syariah.   Keywords: Darurah, Islamic Finance, Mikro, Maqasid, Methodology   Persoalan darurah  secara ilmiah merupakan satu subjek yang penting untuk dikuasai dan diterokai oleh penuntut, pendakwah dan sarjana ilmu Islam. Al-darurah  kewangan Islam semasa ialah konsep yang menjangkaui al-darurah  fiqhi malah merangkumi al-darurah  usuliyah. Kewangan Islam menggunakan konsep al-darurah  dalam aplikasi kewangan seperti Tawaruq Munazam. Tawarruq Munazam telah difatwakan haram oleh OIC pada tahun 2009 namun telah diaplikasikan di Malaysia berhujahkan keperluan semasa. Maka satu penilaian semula yang menyeluruh dan dinamik perlu dilakukan bagi memastikan pemakaian darurah  dalam kewangan Islam menepati bukan sahaja konsep al-darurah  sebenar tetapi metodologi hukum yang dinamik. Artikel ini bertujuan menjelaskan konsep al- darurah  dalam Islam seterusnya menghuraikan pemakaian metodologi hukum dalam kewangan Islam semasa bagi memastikan produk kewangan Islam menepati ciri mikro ekonomi Islam. Metod yang digunakan ialah metod induktif, deduktif dan komparatif. Dapatan mendapati konsep darurah  masih belum diterokai dan diaplikasi dalam konteks metodologi kewangan Islam menurut Maqasid Kulliyah bagi memenuhi subtansi syariah sebenar.   Kata Kunci: Darurah , Semasa, Kewangan Islam, Mikro, Maqasid, Metodologi Hukum