APLIKASI KAFALAH DI BANK SYARIAH MANDIRI CABANG SURABAYA
ABSTRACT: The majority of
Islamic banking products, it is actually a blend of conventional banking
practices with the basic principles of economic transactions Isla>m.
However, with his eloquence, Islamic banking products to be very extensive and
complete than conventional products, one product is Shari'ah banking services
kafa>lah (bank guarantee). Application warranty services at Bank Syariah Mandiri
Surabaya branch using contract kafa>lah wadi'ah was included in the
financing and banking as the same as the level of risk financing and for-profit
alike. Basically the bank guarantee is allowed in Isla> m, while the
contract is used in accordance with the operation performed, the application of
which occurred in Bank Syariah Mandiri make contract kafa>lah and wadi'ah
was and is an agreement in principle tabarru '(goodness) converted into
contract tijarah (business) by placing kafa>lah was to find and take
advantage of wages that exceed the mere replacement of the administrative
costs. In accordance with the agreement of the scholars that it should not
change the contract because a contract tabarru tijarah (business).
Keyword: kafalah, syari‟ah,
business
Penulis: Agus Slamet Seroji
Kode Jurnal: jpperadabanislamdd130080
