IMPLEMENTASI MULTI AKAD PADA PEMBIAYAAN SOLUSI EMAS HIJRAH DI BANK MUAMALAT KCU JEMBER PERSPEKTIF HUKUM EKONOMI SYARIAH
Keywords:
Keywords: Multi-Akad, Financing, Sharia Economi LawAbstract
This study aims to analyze the implementation of multiple contracts in the Solusi Emas Hijrah financing product at Bank Muamalat Indonesia KCU Jember and assess its suitability with the perspective of Sharia Economic Law. The study used a qualitative method with field research and a normative approach. Data were obtained through interviews and relevant literature sources. The results show that Solusi Emas Hijrah financing uses two main contracts: a murabahah contract as a gold buying and selling mechanism between the bank and the customer and a rahn contract as collateral for the financing. In practice, the bank first provides the gold and then sells it to the customer with an installment system, while the financed gold is used as collateral and stored by the bank until the financing is completed. The implementation of multiple contracts in this product is carried out clearly and transparently with an explanation to the customer before the contract is executed. Based on the study of Sharia economic law, the use of murabahah and rahn contracts in a series of transactions is permitted as long as it meets the pillars and conditions of the contract and does not contain elements of usury, gharar, or ambiguity. Thus, the implementation of multi-agreements in the Hijrah Gold Solution financing at Bank Muamalat KCU Jember is in accordance with the applicable sharia principles and DSN-MUI fatwas.
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