Application of Hybrid Contract Concept in Sharia Current Account Financing and Line Facility
DOI:
https://doi.org/10.35905/shighat_hes.v3i1.8286Keywords:
Hybrid Contracts, Multiservice Products, Sharia Current Account FinancingAbstract
Along with the rapid progress of the times, sharia financial institutions must be able to meet the needs of modern businesses by presenting innovative and more varied products that comply with sharia. This challenge requires practitioners, regulators, consultants, sharia councils and academics in the field of Islamic Economics to be creative in responding to these developments. The solution provided is to combine several contracts (multi contracts/hybrid contracts). This study uses a qualitative, library-based approach, namely a study based on statistics from books, articles and journals related to the topic. The analysis method is information reduction, presenting facts and drawing conclusions. The results of the study state that Islamic financial institution products that use helah and Hybrid Contracts (al-'ukud al-murakkabah) and what is the Mauamalah fiqh perspective regarding helah and hybrid contracts (al'ukud al-murakkabah) are among the concepts of Hybrid Contracts in Multi-Service Products. Application of the Hybrid Contracts Concept in Sharia Current Account and Line Facility Financing. Innovation in developing sharia products through FATWA DSN MUI hybrid contracts is a necessity to meet the need for transaction products in the sharia financial sector. Hybrid Contracts in sharia financial products receive legitimacy from FATWA DSN MUI. In implementing Hybrid contracts in multi-service product financing at Sharia Financial Institutions (LKS) generally use contract ijarah in accordance with the DSN-MUI fatwa. In this case, if LKS uses an ijarah contract, it must comply with the provisions of the fatwa as intended by the provider of services or benefits obtained from LKS.
References
Amirulloh, Rizal. “MEKANISME PEMBIAYAAN REKENING KORAN SYARI’AH SEBAGAI APLIKASI AKAD MUSYARAKAH PADA BANK MUAMALAT INDONESIA CABANG PURWOKERTO.” IAIN Purwokerto, 2013.
Anwar, Nur Fatmawati. “Analisis Hukum Islam Terhadap Hybrid Contract Pada Produk Pembiayaan Ijarah Multijasa Di Perbankan Syari’ah (Studi Pada PT. BPRS Bandar Lampung).” UIN Raden Intan Lampung, 2018.
Arafah, Shofy Liza Nurul, and Muhamad Yogi Hamdani. “Multi Akad (Hybrid Contract) Inovasi Produk Lembaga Keuangan Syariah.” In EKSISBANK (Ekonomi Syariah Dan Bisnis Perbankan), 2:49–54, 2018.
Aryanti, Yosi. “Multi Akad (al-Uqud al-Murakkabah) Di Perbankan Syariah Perspektif Fiqh Muamalah.” In JURIS (Jurnal Ilmiah Syariah), 15:177–90, 2017.
Fatimatuzzahro, Shintya Putri. “Analisis Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia Terhadap Pembiayaan Ijarah Multijasa Di BMT MBS Syariah Kecamatan Jiwan Kabupaten Madiun.” IAIN Ponorogo, 2020.
Harahap, Raja Sakti Putra. “Hukum Multi Aqad Dalam Transaksi Syariah.” In Jurnal Al-Qasd Islamic Economic Alternative, 1:40–51, 2019.
Harun, Harun. “Multi Akad Dalam Tataran Fiqh.” In Suhuf, 30:178–93, 2018.
Kamazaza, Riza Zauzaka. “Penerapan Pembiayaan Line Facility (At-Tashilat As Saqfiyah) Di KSU Syari’ah Muhammadiyah Kota Blitar.” IAIN Kediri, 2019.
Kasanah, Nurul, and Muhamad Mustaqim. “Relevansi Fatwa DSN-MUI Pada Praktik Akad Ijarah Pembiayaan Multijasa.” In ISLAMICONOMIC: Jurnal Ekonomi Islam, Vol. 11. Universitas Islam Negeri Sultan Maulana Hasanuddin Banten, 2020.
Maksum, Muhammad. “Model-Model Kontrak Dalam Perbankan Syariah.” In Al-’Adalah, 12:49–62, 2014.
Maulana, Diky Faqih, and Abdul Rozak. “Analisis Fatwa DSN MUI Mengenai Pembiayaan Multijasa Dengan Akad Ijarah Pada BMT.” In Az-Zarqa’: Jurnal Hukum Bisnis Islam, Vol. 13, n.d.
Mursal, Mursal, and Yuserizal Bustami. “HELAH DAN HYBRID CONTRACTS (al-’UKUD al-MURAKKABAH) PADA PRODUK KEUANGAN SYARI’AH PERSPEKTIF FIQH MUAMALAH.” In Islamika: Jurnal Ilmu-Ilmu Keislaman, 17:41–55, 2017.
Solihah, Ajeng Mar‘atus. “Penerapan Akad Ijarah Pada Pembiayaan Multijasa Dalam Perspektif Hukum Islam.” In Az-Zarqa’: Jurnal Hukum Bisnis Islam, Vol. 6, 2014.
Wahab, Abdul, and Ilma Mahdiya. “Identifikasi Konsep Al-‘Uqud Al-Murakkabah Dan Al-‘Uqud Al-Muta’Addidah Dalam Muamalah Kontemporer.” In Islamadina: Jurnal Pemikiran Islam, 1–16, 2020.
WAJO, Abd. METODE PENELITIAN KUALITATIF EKONOMI SYARIAH INTERDISIPLINER INTERKONEKSI. STAI BABUSSALAM SULA, 2022.
