ZONA RIBA TERSELUBUNG PADA DANA TALANGAN HAJI DALAM PERSPEKTIF HUKUM ISLAM

usury zones, hajj, pilgrimage bailout, perspective, Islamic law

Abstract

The development of Islamic financial institutions in Indonesia provides a new product that facilitates every Muslim in Indonesia to be able to register for Hajj with a Hajj bailout fund facility from both Islamic and non-bank Islamic financial institutions. Based on Article 1 paragraph 4 of the Regulation of the Minister of Religion Number 30 Year 2013 concerning Receiving Banks for Hajj Implementation Fee, that the Hajj Bailout Funds are funds provided as temporary assistance without charging rewards by BPIH Depository Recipients (BPS) to prospective hajj pilgrims for the purpose of make it easy for customers / prospective pilgrims to get a portion of the pilgrimage with easy requirements and faster processing. The Hajj bailout product is a solution for some Muslims who cannot meet the cost of the hajj in cash based on the Qard wal Ijarah principle, namely the loan agreement from the bank to the customer accompanied by the assignment of duties so that the bank safeguards the collateral given, in the sense of the word, the party The bank maintains guarantees given by its customers. In practice, the Hajj bailout fund in Islamic banking applies a murakab (multilevel) contract, a combination of a debt agreement with other contracts. In one of the sharia bank sites that explain the Hajj bailout scheme, it is stated, iB Hajj Bailout is a provision of funds (bailouts) to customers in the form of loans (Qardh) for the implementation of Hajj and Umrah services through the Government or Travel Bureau or Travel, but in reality according to the law what is Islam turns out that this Sharia Bank product is included in covert usury, I say usury because it is not in accordance with Islamic law, and entering covert usury because of this product phenomenon as if the Bank helps customers but in reality Bang trapped customers with their Shariah slogan