TA'ZIR DALAM LEMBAGA KEUANGAN ISLAM

Fines and sanctions are known in Jurisprudence (Islamic criminal law) and not in the scope of civil law. Because these ta'zir sanctions are ijtihadi. this is different from sanctions that are tauqifi,where the provisions are contained in the quran and hadith, then it takes an  effort initiative (ijtihad) to determine it. Ta'zir in Islamic criminal law is applied physically , then sanctions appear in the form of fines.The scholar of Moslem differed on their views on whether this ta'zir maliyyah (fines) could be applied in the context of financial institutions. Some Moslem Scholars who allow fines material ta'zir (al gharamah al uqubah al maliyyah) is Imam Abu Yusuf (the Schollars of Hanafiyyah) . otherwise,some scholars banned this sanction, the reason is that  Islam forbidden to take the rights of other parties unfairly. Indonesian national sharia council (DSN MUI), issuing a decision of this matter on Fatwa DSN MUI no 17 2009,about the possibility of fines in Islamic financial institutions, with the foundation of the proposition that is used as a reference. to provide guidance to the public about the existence of fines or ta'zir in Islamic financial institutions. public misunderstanding of this matter is directly related to the reputation and  perception of Islamic financial institutions.