Abstract
The purpose of this research is to determine the eligibility of multijsa financing agreement based on Fatwa DSN on multijasa financing. Methods of literature research, multidisciplinary, normative juridical approach. Analytical descriptive data analysis. The results show that the contractor may accept a multifamily financing agreement, using the al-Ijadrah agreement or the al-musta'jir agreement where the tenant will re-rent the services he has rented. Later, the LKS makes a purchase or lease of the service or goods for which it is then rented out, and then the LKS can perform the contract of al-ijârah or the sale of al-musta'ir at a higher price and gradually repayment. So this is one of the factors of public interest in the product of multilingual Ijârah according to the needs of the community each year.
Highlights
The purpose of this research is to determine the eligibility of multijsa financing agreement based on Fatwa Dewan Syariah Nasional (DSN) on multijasa financing
The results show that the contractor may accept a multifamily financing agreement, using the al-Ijadrah agreement or the al-musta'jir agreement where the tenant will re-rent the services he has rented
Fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia No 09/DSN-MUI/IV/2000
Summary
Annisa Eka Rahayu, Neneng Nurhasanah Magister Ekonomi Syariah, Pascasarjana Universitas Islam Bandung. Tujuan penelitian untuk mengetahui takyif fikih dari akad pembiayaan multijsa berdasarkan Fatwa DSN mengenai pembiayaan multijasa. Hasil penelitian menunjukan bahwa takyif fikih pada akad pembiayaan multijasa, menggunakan akad i’adat al- Ijârah atau ijârah al-musta’jir yang mana penyewa akan melakukan sewa ulang jasa yang telah ia sewa. LKS melakukan pembelian atau menyewa jasa ataupun barang yang akan disewakan setelah itu lalu dikuasai, kemudian LKS dapat melakukan akad i’adat al- ijârah atau ijârah al-musta’jir dengan harga yang lebih tinggi dan pelunasan secara diangsur. Sehingga ini menjadi salah satu faktor minat masyarakat pada produk Ijârah multijasa sesuai kebutuhan masyarakat pada setiap tahunnya
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