Analisis Akad Ijarah Muntahiah Bi At Tamlik Dalam Praktik Perbankan Syariah

IMBT is a form of multi-contract product. At the beginning of the contract agreement used by both parties is an ijarah agreement so that there is a transfer of the right to use the benefits from the lessor (Mu'jir/muajir) to the lessee (Musta'jir) accompanied by the transfer of property rights from mu'jir to muajir on the basis of promise. The ijrah contract with ownership at the end is a contract that has been recognized by the Indonesian Ulema Council through the DSN. In Islamic banking, the application of ijarah and IMBT products, the bank works as an investor/provider of funds and promises. This paper aims to find out how IMBT is in Islamic Banking. This study uses a type of library research (library research). Data collection techniques were carried out by means of documentation studies and triangulation. The data analysis technique was carried out by content analysis using a qualitative study with a conceptual realm. The results of the study show that if there is a dispute between the parties, the settlement guideline is an "Unnamed" agreement whose form and submission is based on the agreement of the parties based on article 1338 (1) of the Civil Code; All agreements legally made apply as law to those made

Pandangan Hukum Islam terhadap pengelolaan Dana Badan Penyelenggara Jaminan Sosial (BPJS) Kesehatan

BPJS is a legal entity formed to organize a social security program to guarantee everyone's constitutional right to social security that allows the development of himself as a whole as a useful human being and as an implementation of the Constitutional duty of the State to develop a social security system for all people and empower the weak and incapacitated people in accordance with the dignity of humanity. This research is a literary study with a phenomenological approach. The research data was collected by searching the literature and then analyzed by the conten analysis method. The conclusion of this study is that BPJS Kesehatan participants' understanding of DJS payments / premiums for tabarru' is caused because they do not know the contracts that apply at BPJS Kesehatan correctly. This understanding does not affect the validity of the contract because what is the benchmark for the contract is its purpose and meaning, not its pronunciation or form. In addition, contemporary scholars view the existence of freedom of faith as long as it does not contain usury and ghara