Konsep Hybrid Contract di Indonesia dalam Perspektif Fatwa DSN-MUI
DOI:
https://doi.org/10.47700/jiefes.v3i1.4277Keywords:
Hybrid Contract, Fatwa, DSN-MUI, Produk Keuangan SyariahAbstract
Abstract
The application of a hybrid contract is a necessity that cannot be avoided and its application is supported by the principle of muamalah which applies the principle of permissibility as long as there are no prohibitions from the nash. This research aims to describe the concept of a hybrid contract and its implementation in Islamic financial products in Indonesia. The methodology used is descriptive qualitative literature. The results obtained, a hybrid contract is an agreement between two parties to carry out a muamalah which includes two or more contracts. The permissibility of a hybrid contract is based on the legal principle that the origin of muamalah is permissible. In general, the limits agreed upon by the scholars regarding several criteria for hybrid contracts to be allowed by sharia, namely not what is prohibited from the nash, not being a means to something that is forbidden, not being used as a hilah (strategy) to take usury in other ways, and is not included in the contract to the contrary. Fatwa DSN-MUI according to hybrid contracts on Islamic financial products in Indonesia, namely mudharabah musytarakah, musyarakah mutanaqisah, musyarakah muntahiyah bi al-tamlik, and al-ijarah al-muntahiyah bi al-tamlik.
Abstrak
Penerapan hybrid contract merupakan sebuah kebutuhan yang tidak dapat dihindari dan penerapannya didukung oleh prinsip muamalah yang memberlakukan asas kebolehan sejauh tidak ada larangan nash. Penelitian ini bertujuan untuk mendeskripsikan hybrid contract dalam konsep dan Fatwa DSN-MUI pada produk keuangan syariah di Indonesia. Metodologi yang digunakan adalah kualitatif deskriptif kepustakaan. Hasil yang didapat, hybrid contract merupakan kesepakatan dua pihak untuk melaksanakan suatu muamalah yang meliputi dua akad atau lebih. Kebolehan hybrid contract didasarkan atas prinsip hukum asal dari muamalah adalah boleh. Secara umum batasan yang disepakati oleh para ulama mengenai beberapa kriteria bagi hybrid contract agar diperbolehkan secara syar’i, yaitu bukan yang dilarang dalam nash, tidak menjadi sarana ke suatu yang diharamkan, tidak dijadikan sebagai hilah (siasat) untuk mengambil riba dengan jalan lain, dan tidak termasuk ke dalam akad-akad yang berlawanan. Fatwa DSN-MUI mengenai hybrid contract pada produk keuangan syariah di Indonesia, yaitu mudharabah musytarakah, musyarakah mutanaqisah, musyarakah muntahiyah bi al-tamlik, dan al-ijarah al-muntahiyah bi al-tamlik.
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