ANALISIS PENERAPAN AKAD IJARAH MULTIGUNA UNTUK BIAYA UMROH BANK SYARIAH MANDIRI KCP KATAMSO
Abstract
The purpose of this research is to know and to analyzed how to
implemented ijarah multipurpose for umrah and the procedure which fixed in
Bank Syariah Mandiri KCP Katamso.
The type of this research that used for the Final Project is field research
which took the location in Bank Syariah Mandiri KCP Katamso with qualitative
methods. The source of the data from this research were composed by the primary
and secondary that was obtained through interviews and documentation. The data
that have been collected will be analyzed by used the method of analysis
descriptive.
The result of this research consist of the procedures of finance to
multipurpose to charge umrah used ijarah start from the submission of the file,
the investigation of documents, the analysis of the assessment of finance, the
decision of the provision of finance, the sign of the agreement, and the realization
of finance. In the process of the finance multipurpose to charge umrah used ijarah,
Bank Syariah Mandiri KCP Katamso based on Fatwa DSN MUI No.09/DSNMUI/
IV/2000 about finance ijarah and No.44/DSN-MUI/VII/2004 about finance
multipurpose.