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All Journal EkBis: Jurnal Ekonomi dan Bisnis JURIS (Jurnal Ilmiah Syariah) AHKAM : Jurnal Hukum Islam dan Humaniora
Nana Herdiana Abdurrahman
UIN Sunan Gunung Djati Bandung
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Hybrid Contracts in Leasing and Ijarah Muntahiya Bit Tamlik in Indonesia Sharia Financial Institutions Darti Busni; Doli Witro; Raid Alghani; Iwan Setiawan; Nana Herdiana Abdurrahman
EkBis: Jurnal Ekonomi dan Bisnis Vol. 6 No. 1 (2022): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2022.6.1.1505

Abstract

This article discusses the implementation of the concept of hybrid contracts in the product of ijarah al muntahiya bit tamlik (IMBT) and leasing at Indonesia Islamic Financial Institutions. This article aimed to find out the implementation of hybrid contract concept in IMBT and leasing products at Indonesia Islamic Financial Institutions. This article was conducted using qualitative research method. The data in this study were obtained from library materials such as books, journals, articles, etc. Data analysis techniques used were data condensation, data presentation, and drawing conclusions. The analysis results showed that the development of contracts in Islamic financial institutions was inevitable due to the implementation of multi-contracts. The merging of two contracts is also known as (hybrid contract or al-'uqudal-murakkabah) such as ijarah al mutahiya bit tamlik (IMBT). IMBT is a combination of two inter-ijarah contracts (lease) and the sale and purchase or grant is made at the end of the lease term. The implementation and merging of two contracts (hybrid contracts) in IMBT may use several contracts, including ijarah contract, ba'i contract, wakalah contract, and hibah contract.
Implementation of the Hybrid Contract Concept in Multiservice Ijarah Financing as a Financing Alternative Health Service in the Covid-19 Pandemic Darti Busni; Doli Witro; Iwan Setiawan; Nana Herdiana Abdurrahman; Raid Alghani
JURIS (Jurnal Ilmiah Syariah) Vol 21, No 1 (2022)
Publisher : Institut Agama Islam Negeri Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (543.945 KB) | DOI: 10.31958/juris.v21i1.5173

Abstract

This article discusses applying the hybrid contract concept in multiservice ijarah financing as an alternative to financing health services. This is important to study because health services are one of the most urgent things in the current Covid-19 pandemic. This article aims to determine the form of contracts contained in multiservice ijarah financing as an alternative to financing health services in the Covid-19 pandemic. This type of research is normative legal research. The data were obtained from library materials such as books, journals, etc. The analysis results show that health financing can be carried out in two ways: the ijarah contract, which begins with the bank through investors doing the health institution after making the contract, and the wakalah contract through the customer himself. People who have financial problems paying for health costs with multiservice ijarah transactions can apply for health financing to Islamic Financial Institutions for their families to minimize deaths before treatment in the Covid-19 pandemic.
Penerapan Hybrid Contract dalam Pebiayaan Cicil Emas Mega Silvia; Nana Herdiana Abdurrahman; Yoyok Prasetyo
AHKAM Vol 2 No 1 (2023): MARET
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (593.762 KB) | DOI: 10.58578/ahkam.v2i1.784

Abstract

Islamic banks that are Shariah compliant offer a wide range of financial services to meet local demands. Gold installment financing is a form of financing offered by several Islamic banks. Gold Bullion (bars) can be purchased with installment payments through the Murabahah contract associated with the Rahn contract. The purpose of this study is to study how hybrid contracts can be used to finance gold purchases over time. In this study, using descriptive analysis techniques (descriptive analysis). The authors use this strategy in an effort to provide a transparent explanation given the available research. The purpose of the descriptive method of analysis is to create a description (description) of the event or situation. The study found that the steps involved in providing gold installment financing are as follows: customer application, NAP preparation, financing approval, contract, gold procurement, and collateral deposit. Gold financing can be repaid for two to five years. The general implementation of gold installment financing is governed by the provisions stipulated in SEBI No. 14/16/dpbs of 2012 concerning gold installment financing products and SEOJK No. 36/SEOJK.03/2015 concerning products and activities of Sharia commercial banks and Sharia Commercial Banks and Sharia Commercial Banks. Customers can use gold as collateral to pay a down payment of at least 20%. However, there are costs involved, including the cost of storing and maintaining the guarantee during the installment period, and the guarantee is insured.
Co-Authors Darti Busni Doli Witro Iwan Setiawan Mega Silvia Raid Alghani Yoyok Prasetyo