Multiservice in Bank Financing Wafirotul haifa (11220010)

Wafirotul haifa (11220010)

Multiservice in Bank Financing

Multiservice financing is financing products that provide funds in the form of use for anyone wearing or who needs to be versatile services/benefits required by the customer with murabaha or ijara contract. In general multiservice financing (cost of education, medicine, marriage, etc.) in Islamic banking in addition to using the Ijarah contract may also use Kafalah (DSN-MUI Fatwa No.44/DSN MUI/VII/2004 dated August 11, 2004). However, in this case using the ijara contract is more likely that the package cost of education, medicine, marriage, and others that are categorized in terms of wage-Ijarah hire, not the lease, ( a common phenomenon that occurs in Islamic banks using the ijara contract lease terms for multiservice financing. indication first, the bank does not do any work so that he had the right to receive wages that name, second, direct bank gives money kenasabah/direct liquefaction and strangely kerekening customers without power of attorney, but no goods are bought and sold ).

Contract made ​​for the financing multiservice : Akad Ijarah leasing transaction of goods or services between the owner (including the right to use the object ownership lease) with the tenants to get a return for goods or services that are rented . Understanding of Ijarah is a contract for the transfer of rights (benefits) of an item or service within a specific time through lease payments/wages, without being followed by the transfer of ownership of the goods themselves, the physical provision of leased commodity remains in the ownership of the lease and the only benefit is transferred to tenants. Something that can not be used without consuming can not be leased, such as money, food, fuel and so on . Only assets that are owned by the lease can be leased, unless permitted sub​​-lease (rental sublet the leased asset object) in the agreement that permitted by the lease. Akad Kafalah Transactions pledge given by the insurer (kafil) to third parties/the insured (makful lahu) to meet the obligations of both parties (makful'anhu/ashil) .

Benefits for both parties, for example: For a Bank as one of the funds in order to provide services to customers. As for products through bank multiservice Shari'ah get easily manage liquidity, due to channel financing to meet customers' needs for services is justified by Shariah. whereas, For the Customer to obtain fulfillment services such as education and health and other services are justified by Sharia. As where the source and the need for customers to specific services such as education and health and other services are justified to shariah.