PEMBIAYAAN TALANGAN HAJI DALAM PERBANKAN SYARIAH DITINJAU DARI UNDANG-UNDANG PERBANKAN SYARIAH
ABSTRACT: Product of
Fund of Roof-Gutter
Haji represent the
Product pertained a
new innovation in Transaction some Moslem law Bank. This
Product meant to close over the fund insuffiency which not yet answered the
demand to candidate Haji by Loaning a number of money (Qardh) with the
Guarantee of Deposit of Client of candidate Haji, last to the that loaning
service Bank draw A number of Fee / ujrah (in this case Ijarah) as Religious
advices DSN-MUI : Number 29/DSN-MUI/VI/2002, however in 2 (this two) akad
happened the problems when application into Product of Fund of Roof-Gutter Haji
to be explained after this, but
before that it
is better if
evaluating one per
one congeniality every
akad that is
Al-Qardh and Al-Ijarah. Problem of this research namely defrayal in
Moslem law banking, hereinafter Defrayal of roof-gutter haji according to No.
21 year 2008 about Banking Moslem law and also protection punish to bank client
in defrayal of roof-gutter haji evaluated from No. 21 Year 2008 About Moslem
law Banking.
This research use
the approach of
yuridis normative because
this research use
the data sekunder to
analysis the contractual
terms bank with
debitor and also
its law protection
aspect principally Moslem law.
Bank Moslem law is the part of Banking Moslem law apart rom Business Unit
Moslem law (UUS), while Bank Moslem law consisted of public Bank of Moslem law
and Bank of Defrayal of Moslem Law People (BPRS). In of banking of Indonesia of
Number 21 Year 2008 differentiating bank [of] pursuant to its business
activity become two,
that is bank executing business
activity conventionally and
bank executing business activity pursuant to Moslem law principle. No.
21 Year 2008 about Banking Moslem law not arrange peculiarly the defrayal of
roof-gutter haji, at Section 21 only explaining business activity of Moslem law
banking. this Roof-Gutter defrayal guaranteed by deposit had by client, client
obliged to return a number
of money loaned
certain within. To
the service of
loaning of this
roof-gutter haji fund, bank Moslem law get a run for the ( fee
/ ujrah) which is the level of not relied on
the amount of loaned fund.
Protection of Client
of fund of
roof-gutter haji given
early on namely
with the existence
of information of existence
of bank Moslem
law informatively, so
that in have
competition with the
other bank will get the position which suitable and acceptable.
Ambulatory protection early on better by giving information which its
credibility accountable from all aspect.
Penulis: Faisal Fani Nasution
Kode Jurnal: jphukumdd130650
