Dana Talangan Haji (Fatwa DSN dan Praktek di LKS)
Abstract
Based on DSN-MUI fatwa, some Islamic Finance Institutions (LKS) offer Hajj Credit (Dana Talangan Haji). This product helps moslem to register for the forthcoming hajj session. DSN-MUI fatwa forced LKS to use al-Qardh contract for this product and not related LKS ujrah to the ammount of Hajj Credit. The problem is does this hajj credit product really shari�e based on shariah? This research resulted that Ujrah revenue was based on Qardh Fund that was not allowed by DSN Fatwa. DSN-MUI should revised its fatwa to terat equaly between LKS and Jamaah. DSN-MUI and LKS suggested to take use akad al-Ijarah muntahiya bittamlik with sale and lease back concept.
Moraref