Sharia is a charge card using a card
payment tool that
can be used to
make payments on obligations arising
from an economic activity,
including transactions or separately purchase and
cash withdrawal liability
payments that cardholders
met first by the issuer,
and the cardholder is obliged to make payment of obligations the payment
of a lump sum at a preset time.
Referring to the fatwa DSN No: 42/DSN-MUI/V/2004,
through the issuance of Islamic sharia banking charge
card guarantee (kafalah) the fulfillment of certain obligations of the customer receiving the card (pregnant
al-bithaqah). As
guarantor, Islamic banks provide bailout facilities
(through qardh) in
order cardholder liability
to merchants (suppliers of goods or services). For a
user, the prospective card holders are required to have the financial ability to repay its obligations in
cash at a specified time.
Contract provisions that can be used
are:
a. For cardholder transactions (al-bithaqah pregnant) through merchant (Qabil al-bithaqah /receiver card), the contract is a contract used ijara wal kafalah
b. For making cash transactions using contract al-ijara wal qardh
a. For cardholder transactions (al-bithaqah pregnant) through merchant (Qabil al-bithaqah /receiver card), the contract is a contract used ijara wal kafalah
b. For making cash transactions using contract al-ijara wal qardh
The benefits to banks of obtaining the
Sharia charge card customer loyalty and
profit from the
fees charged to card holders.
While the customer is earned for providing convenience, security,
and comfort in
transaction.
Referensi:
Burhanuddin, 2011, Hukum Kontrak Syari’ah (Malang :
UIN-MALIKI PRESS).
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