Hawālah sebagai Alternatif Pembiayaan Multijasa di Lembaga Keuangan Syariah

Syakur, Ahmad ( Sekolah Tinggi Agama Islam (STAIN) Kediri)

MUQTASID
Vol 1, No 1 (2010)

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, hawālah that we know in the study of fiqh mu’āmalah do not develop optimately in the Islamic economy institution. The application of hawālah in Islamic banking is little and not popular, whereas by little inovation, hawālah 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 hawālah contract with little inovation. That is the combination between hawālah 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, hawālah bi al-ujrah