AKAD-AKAD PADA LEMBAGA PEMBIAYAAN SYARIAH DI INDONESIA: FONDASI KEUANGAN DAN EKONOMI BERBASIS SYARIAH

Muhammad Syafi’i

Authors

Muhammad Syafi’i Universitas Muhammadiyah Jember

Keywords:

Contracts, Financing Institutions

Abstract

Sharia financing institutions, also known as Sharia financing companies, are non-bank financial institutions. Their existence supports and aligns with the function of banking institutions, namely helping to provide access to financing and capital to improve the community's economy. Sharia financing offers contract products that also provide solutions in providing access to financing and capital. Sharia contract products include Murabahah, Ijarah, and Ijarah Muntahiya Bit Tamlik, which are contracts commonly found in Sharia financing companies. This study aims to educate the public about the various product contracts available at Sharia financing institutions. This will provide additional references for those who wish to use these contracts. The research method used in this study is a literature study, with data collection methods using literature and documentation. The data analysis technique consists of three stages: data reduction, data presentation, and data verification. Meanwhile, the validity method uses data triangulation. The results of this study explain that Sharia financing institutions in Indonesia generally use three types of contracts: murabahah, ijarah, and ijarah muntahiya bit tamlik, as well as other contracts tailored to the product and type of financing company.

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