Konsep Multi Akad Pada Logam Mulia Sebagai Jaminan Dalam Bank Syariah Mandiri Kantor Pusat Surakarta Menurut Fatwa Dsn-Mui

This study explains the Multi-Akad Concept on Precious Metals As an obligation to rahin, but it can also be done by murtahin, while the cost and maintenance of storage remains an obligation of rahin. The cost of maintaining and storing marhun must not be determined based on the guarantee loan amount in the Bank Mandiri Syariah Surakarta Head Office. There have been pros and cons about Multi akad in Precious Metals as Guarantees which in which there are three contracts, namely the Qardh, Rahn and Ijarah contracts. To find out the Multi-Akad Concept on Gold Pawn in the Bank Syariah Mandiri (BSM) Surakarta Head Office and to find out the suitability of the Multi Accent on Gold Pawn at Bank Syariah Mandiri (BSM) Surakarta Head Office is in accordance with DSNMUI Fatwa No.25 / DSN- MUI / III / 2002 about rahn. This research is a field research. The data used are primary and secondary data. The method of data collection is using interviews and documentation. The analysis technique uses qualitative with deductive thinking. From the results of the study it can be concluded that the contracts used in multi-contracts on precious metals are collateral, namely the Qardh, rahn, and Ijarah contracts, which are carried out in one transaction. It is known that Qardh here is a loan in the form of mortgage and ijarah contract as a maintenance and storage fee that is calculated in accordance with the amount of the value of goods, this is not in accordance with sharia principles. Because in DSN-MUI Fatwa No.25 / DSN-MUI / III / 2002 concerning Rahn the maintenance and storage of marhun is basically an obligation of rahin. Keywords: Bank Syariah Mandiri, Multi Akad, Qardh in the context of Rahn, Ijarah, DSN-MUI Fatwa