The Application of the Ijarah Contract in the Ownership of Motor Vehicles at Sharia Financing Institutions (PT. Mandiri Utama Finance Syariah) Jember Branch Based on DSN-MUI Fatwa No. 09/DSN-MUI/IV/2000
DOI:
https://doi.org/10.37812/aliqtishod.v13i2.1783Keywords:
Ijarah, DSN-MUI Fatwa, MUFAbstract
The economic growth of a country can be said to be developing, one of the indicators is seen from how fast the economic activities or mobility of its people are. Things that can support the economic activities of the community are supported by adequate vehicles. The large number of motor vehicle ownership is supported by the increasing purchasing power of the community and the ease of purchasing motor vehicles through financial institutions, such as the Sharia Finance Institution, namely PT. Mandiri Utama Finance (MUF), which has a branch office in the city of Jember. The focus of the discussion in this study is how the application of the Ijarah contract at the Mandiri Utama Finance Syariah institution is adjusted to the DSN-MUI Fatwa standard No.9 / DSN-MUI / IV / 2000. This study focuses more on the practice of the ijarah contract at the Mandiri Utama Finance Syariah Jember Institution. This type of research is qualitative with a qualitative descriptive approach, data collection using interview methods, documentation and observation. While the validity of the data uses the observation consistency technique. The results of the study show that most of the procedures for implementing the Ijarah contract are in accordance with the DSN-MUI FATWA, although they had to be temporarily closed because there was one point regarding the determination of ujroh which was not in accordance with the DSN-MUI FATWA standard.
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