AZIZAH, FARACH NUR (2020) PRAKTIK AKAD IJARAH PADA PRODUK PEMBIAYAAN MULTIGUNA DI WARUNG MIKRO BANK SYARIAH MANDIRI PURWOKERTO ( Tinjauan berdasar Fatwa DSN MUI No. 44/DSN-MUI/VIII/2004 Tentang Pembiayaan Multijasa ). S1 thesis, UNIVERSITAS MUHAMMADIYAH PURWOKERTO.
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Abstract
The purpose of this study was to find out how the Ijarah Convenant Practices in Multipurpose Financing at Warung Mikro Bank Syariah Mandiri Purwokerto and their compatibility with Fatwa DSN MUI No. 44/DSN-MUI/VIII/2004 Concercing Multiservice Financing.
This research is type of field research with a qualitative approach. The data collection techniques include interviews and documentation. While the analysis of the data that researchers use is qualitative data analysis in the form of inductive inference that departs from data that is specific to generalize so that it becomes a general conclusion.
The results shwed that in general the practice of the Ijarah contract on Multipurpose Financing Products at Warung Mikro Bank Syariah Mandiri Purwokerto was in accordance with Fatwa DSN MUI No. 44/DSN-MUI/VIII/2004 concerning Multiservice Financing. However, the authors found a discrepancy between the Ijarah Convenant Practices in the Multipurpose Financing : First, Multipurpose Financing in the Warung Mikro Bank Syariah Mandiri Purwokerto n practice using ijarah and wakalah contracts, this is not in accordance with Fatwa DSN MUI which stipulates that the use of an alternative ijarah areement is a kafalah contract rather than a kafalah contract. Second, the object of ijarah accordng to the Fatwa DSN MUI is the rental of services or goods. But in its application in Warung Mikro Bank Syariah Mandiri Purwokerto the object is money not rent services or goods. Third, in Fatwa DSN MUI No. 44/DSN-MUI/VIII/2004 concerning Multiservice Financing it is stipulated that the determination of the amount of the ujrah or fee must be agreed in advance and stated in nominal terms rather than percentages. While the practice that occurs in Warung Mikro Bank Syariah Mandiri Purwokerto, the Bank determines the ujrah or fee in the fom of a percentage not in nominal form.
Dosen Pembimbing: | WAGE, WAGE | nidn0614056602 |
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Item Type: | Thesis (S1) |
Uncontrolled Keywords: | Akad jarah; Multipurpose Financing; Fatwa. |
Subjects: | H Social Sciences > HB Economic Theory K Law > K Law (General) |
Divisions: | Fakultas Agama Islam > Hukum Ekonomi Syariah S1 |
Depositing User: | wulan |
Date Deposited: | 30 Aug 2022 07:48 |
Last Modified: | 13 Jun 2024 07:06 |
URI: | http://repository.ump.ac.id/id/eprint/13834 |
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