Abstract
Rapid product development is carried out by Islamic Financial Institutions (LKS) in providing alternative services to the needs of the community which are carried out based on sharia principles. The development of these services is provided both in the form of banks and non-banks as well as in the form of storage or other types of services as well as in the form of financing. However, due to more complex customer needs, LKS requires innovation in order to get convenience in its operational activities. So, in innovating with hybrid contracts, it becomes an important thing. This research uses a literature study with a normative juridical approach, which is carried out by collecting, studying and reviewing books, scientific magazines and documents related to this research such as theses and scientific articles. The results of the study state that in the application of hybrid contracts in multi-service financing products at Islamic Financial Institutions (LKS) generally use ijarah contracts according to the DSN-MUI fatwa. In this case, if the LKS uses the ijarah contract, it must comply with the provisions of the fatwa as the service provider or the benefits obtained from the LKS. Meanwhile, if in a hybrid contract one or more contracts are added, in this case it is added with a wakalah contract, then the customer has the power to carry out his own costs. However, if there are customers who still have to pay ujrah for the ijarah contract, it is called usury. Because this is not justified in sharia principles and is not in accordance with the ijarah fatwa concerning the multiservice, the bank does not fulfill its service obligations as the fatwa regarding multiservice as well as the kafalah contract. Thus, there is an alternative in this multi-service financing, namely by using hawalah bil ujrah and wakalah contracts which are more flexible and their implementation as an innovation, namely combining these contracts with the aim of making banking operations easier, reaching wider and able to meet the needs of more customers.
 
Highlights
PENDAHULUAN Berkembangnya Lembaga keuangan syariah menjadi suatu alternatif dalam memenuhi kebutuhan masyarakat yang semakin kompetitif, sehingga produk pembiayan bank syariah membuat produk baru yakni dengan adanya produk pembiayaan multijasa
in providing alternative services to the needs of the community which are carried out based on sharia principles
The development of these services is provided both in the form of banks and non-banks
Summary
Pembiayaan multijasa dapat dimaknai yakni sebagai pembiayaan yang diberikan oleh Lembaga Keuangan Syariah (LKS) kepada nasabah dalam memperoleh manfaat serta jasa. Sementara jika produk pembiayaan multijasa ini memakai akad kafalah, maka seluruh yang ada kaitannya dengan hukum kafalah, baik dari sisi rukun, syarat maupun ketentuan lainnya seperti dalam pernyataan dalam fatwa DSN MUI mengenai pembiayaan Multijasa tersebut. Inilah juga ada dalam pernyataan oleh Direktorat Perbankan Syariah Bank Indonesia pada buku Kodifikasi Produk Perbankan Syariah mengenai Pembiayaan Multijasa melalui akad kafalah di poin terakhir yakni berbunyi, “Dalam hal ini nasabah tidak bisa mencukupi kewajiban terhadap pihak ketiga, sehingga bank melaksankan pemenuhan keharusan nasabah terhadap pihak ketiga dengan memberi dana talangan sebagai pembiayaan atas dasar akad al-qard yang wajib diselesaikan oleh nasabah”. Sebab dalam hal ini pembiayaan mulijasa menurut fatwa DSN-MUI Fatwa DSN-MUI No.44/DSN-MUI/VII/2004 Tentang Pembiayaan Multijasa, dijelaskan bahwa penggunaan ijarah memberikan perolehan keuntungan berupa imbalan atau upah dari jasa yang diberikan, sementara bila ditambah dengan akad wakalah yang diwakilkan pada nasabah menghilangkan tanggungjawab atau kewajiban nasabah membayar upah dari produk multijasa tersebut. Multijasa berdasarkan pada Akad hawalah menggunakan Hybrid Contract sebagai Alternatif Inovasi Pembiayaan yakni: Gambar
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