Financing understanding multiservice

                 Financing is a multiservice provider of money or bills can be equated with a multiservice transaction was based on an agreement between the bank and its customers that require clients financing financing weeks to repay the debt after a period of time in accordance with the contract between the bank contract. Multiservice is the party that provide            

             Financing is a multiservice provider of money or bills can be equated with a multiservice transaction was based on an agreement between the bank and its customers that require clients financing financing weeks to repay the debt after a period of time in accordance with the contract between the bank contract. Multiservice is the party that provides facilities can be taken advantage of by the customer, while the financing for a period of time period agreed upon by the bank and the customer.
           Financing provided by Islamic banks to customers in a benefit or a service. Therefore in order to survive and compete with other financial industry, Islamic banking should be sensitive in responding to changing trends society certainly needs by providing banking facilities or services which are not only to be competitive but must be in accordance with Islamic principles.

        The multiservice object is enjoyed by customer services, multiservice financing is a form Among remittance, money exchange ( Sharf ), issuance of bank guarantees, the issuance of letters of credit, pawn gold (rahn), credit card transactions        

           In principle, these multiservice financing refers to the concept of Ijarah (ujrah), which means payment for a service, therefore, in a multiservice bank financing typically use Ijarah contract or agreement kafalah or a combination of both tersebut. Berbeda with the provisions of the contract amount of a distribution ratio of the scheme mudharaah or musharakah ujrah magnitude set by the bank should not be in the form of percentage but directly in the form of rupiah. bigness ujrah also be determined in advance and set forth in the contract.

       Multiservice financing transactions may include investments in mudharabah or Musharakah, Ijarah, leasing transactions in the contract or lease with option to transfer ownership in Ijarah contract Muntahiyah bit Tamlik ( IMBT ), transaction purchase the murabahah contract and istishna greeting, dealings borrow in Qardh scheme,  multiservice transaction using ijarah contract or kafalah, based on an agreement between the bank and its customers that require clients financing financing debts /  obligations or settle or musharakah and mudarabah investment management results appropriate with contact.

B.  B. Legal basis of multiservice Financing

            “Hey who believe, do not violate greatness Allah and do not violate the forbidden months do not intrude animals had  yes, and the beasts Qalaa  id and not also annoy people those who visit the House of God are they looking for and lowness gift from God and when you have completed the pilgrimage, then hunt so-so . and let not the hatred of you to something people because they hinder you from the Sacred Mosque lead you transgress to them. And please repeatedly help you in doing virtue and piety , and do not help one in sin and transgression.  And  keep your duty to Allah, Allah is intense severe in punishment.”

C.   Financing Type Of Multiservice

a.       Hiwalah : Using the concept Hiwalah Is the transfer of customer accounts (Muhal) to bank (Muhal alaih) that have the dutry of person build f bond. Upon help pay for the bank customer accounts paid in advance, the bank may ask for payment services to customers by taking into account the magnitude of the risk if the receivable is not collectible. Type hiwalah : Hiwalah Dain, Hiwalah Haqq.

b.      Pledge (Rahn) : In acting as the lien lenders borrowers mortgaged their property to the lender of the mortgage debtor to obtain some money from creditors. This is in accordance with the Shariah board of the National Fatwa No. 25/DSN-MUI/III/2002. Rahn types: Rahn Iqar, Rahn Hiyazi

c.       Letter Of Credit (L/C) : Import Sharia Is a statement that will be paid to the exporter (beneficiary) issued by a bank (issuing bank) at the request of importers to the fulfillment of certain requirements.

d.      Al-Wakalah : Namely submission, assignment, or delivery mandate meaningful devolution of power by one party to another in the things represented.

e.        Al-Kafalah : Namely the guarantees given by the insurer ( kafil ) to third parties to fulfill the obligations of the two or incurred . Kafalah also means shifting the responsibility of someone who is guaranteed to hold on the responsibility of someone who is guaranteed to hold on to someone else's responsibility as a guarantor.

f.       Qardh : Which lend to others without expectation of reward or no financial gain.

D.   Financing goal multiservice

a.     Multiservice products through Islamic banks get the convenience of managing their liquidity due to channel financing to meet customers' needs for services sharia justified.

b.    For customers multiservice product is a source of funds for the needs of the customers for specific services such as education and health and other services that are sharia

E.    Risk Financing multiservice

a.     If the debtor defaults

b.   Also can market risk occurs when financing commercial multiservice to trasaksi dierikan in foreign currency that DAPT derived from exchange rate movements

F.    Financing provisions multiservice

a.       Multiservice payment is permissible (allowed but not required) to use the ijarah contract or kafalah

b.      In terms of LKS using the ijara contract must mengikutu all provisions yangada fatwa at ijara

c.       In terms of LKS using kafalah contract, it must meet all the provisions in the fatwa kafalah

d.      In both the multiservice financing, LKS can memeproleh fee ( ujrah ) or fee

e.       Ujrah large or fee to be agreed at the beginning stated in nominal terms rather than in terms of percentage

REFERENSI

Irma Devita Purnamasari. Suswinarno. 2009..Akad Syariah. Bandung : Kaifa Muhammad. 2009. Model-Model Akad Pembiyaan di Bank Syariah. Yogya: Uii Press

Usman, Rachmadi. 2007. Produk N Akad Perbankan Syariah Diindonesia. Bandung : Citra Aditya Bakti