Hawālah sebagai Alternatif Pembiayaan Multijasa di Lembaga Keuangan Syariah
Abstract
Islamic banking and other Islamic financing institution need more inovation and to multiply the kind of transaction so that not to stay behind by conventional financing instituon. In the otherhand, hawālah that we know in the study of fiqh mu’āmalah do not develop optimately in the Islamic economy institution. The application of hawālah in Islamic banking is little and not popular, whereas by little inovation, hawālah can be the alternative transaction. This article is an exertion to create the financing concept of multijasa Islamic Banking that more acceptable and more simple by using the hawālah contract with little inovation. That is the combination between hawālah bi al-ujrah contract and wakālah contract, as the alternative financing for increasing monetary instruments bases the sharia. So the strong and healty financing institution is realized without leaving the sharia. Keywords: multijasa Islamic banking, inovation, hawālah bi al-ujrah
Moraref