This research is motivated by the strategic role of Sharia Rural Banks (BPRS) in distributing financing based on sharia principles, one of which is through the Ijarah Multi-Services product. This product aims to meet the community's needs for various services, such as education, health, and other halal services. This research focuses on the practice of Ijarah Multi-Services financing at PT. BPRS Lantabur Tebuireng Jombang and its compliance with the principles of Sharia Economic Law. This research uses a juridical-empirical method with a conceptual approach and case studies. Data were obtained through a review of regulations, concepts of sharia economic law, and direct practice in the field. The analysis was carried out with reference to sharia principles, including the prohibition of usury, gharar, and maisir as stipulated in the fatwa of the National Sharia Council of the Indonesian Ulema Council, while also paying attention to the institutional aspects of BPRS. The results of the study indicate that the practice of Ijarah Multi-Services financing at PT. BPRS Lantabur Tebuireng Jombang is implemented through systematic stages with the application of the principle of prudence. In practice, two types of contracts are used: pure ijarah and ijarah bil wakalah. Both contracts fulfill the pillars and requirements of a contract and are deemed to comply with the principles of Islamic economic law.
Copyrights © 2026