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
