Analisis komparatif transaksional Ijarah dan Al Ijarah Al Muntahiya Bit Tamlik pada bank syariah

Setiawan, Iwan (2023) Analisis komparatif transaksional Ijarah dan Al Ijarah Al Muntahiya Bit Tamlik pada bank syariah. AL-AFKAR: Journal for Islamic Studies, 6 (4). pp. 66-78. ISSN 2614-4905

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Abstract

INDONESIA: Penelitian ini untuk mengetahui bagaimana pelaksanaan transaksi ijarah dan al-Ijarah alMuntahiya bit Tamlik (IMBT) pada bank syariah. Pelaksanaan transaksi sewa menyewa dengan skema ijarah serta IMBT pada produk bank syariah sudah cocok dengan prinsip syariah. Penerapan transaksi ijarah pada bank syariah mengacu pada ketentuan Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) serta Peraturan Mahkamah Agung Nomor 2 Tahun 2008 tentang Kompilasi Hukum Ekonomi Syariah (KHES). Ada perbandingan pada penerapan pemindahan kepemilikan objek sewa pada IMBT, pemindahan objek sewa cuma bisa dicoba apabila akad ijarah sudah berakhir opsi pemindahan objek sewa bisa dicoba dengan janji (wa'ad). jual beli. Jadi tidak terdapat ketentuan pada akad IMBT yang didasarkan pada pengalihan kepemilikan objek dengan janji (wa'ad). hibah, persoalan ini berlawanan sebab terdapat imbalan yang wajib diberikan oleh nasabah (mustajir) kepada bank atas objek akad IMBT tersebut. ENGLISH: This research is to find out how ijarah and al-Ijarah al-Muntakiya bit Tamlik (IMBT) transactions are carried out in Islamic banks. The implementation of leasing transactions with ijarah schemes and IMBT in sharia bank products is in accordance with sharia principles. The implementation of ijarah transactions in Islamic banks refers to the provisions of the Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) and Supreme Court Regulation Number 2 of 2008 concerning Compilation of Sharia Economic Law (KHES). There is a comparison with the implementation of the transfer of ownership of the leased object to IMBT, the transfer of the object for lease can only be attempted if the ijarah contract has ended, the option for transferring the object for lease can be attempted by promise (wa'ad). buy and sell. So there are no provisions in the IMBT contract based on the transfer of object ownership by promise (wa'ad). grants, this issue is contradictory because there is a reward that must be given by the customer (mustajir) to the bank for the object of the IMBT contract.

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