IMPLEMENTASI AKAD RAHN BIL UJRAH PADA PRODUK PEMBIAYAAN MULTI GUNA BERKAH DI BMT NU CABANG SRESEH
Abstract
This study aims to examine the implementation of the rahn bil ujrah contract in the MULTI GUNA BERKAH financing product at BMT NU Sreseh Branch. A qualitative approach with a descriptive research design was employed to provide a comprehensive understanding of the implementation of the contract based on actual practices in the field. The findings indicate that the MULTI GUNA BERKAH financing product applies the rahn bil ujrah contract, under which customers obtain financing by providing movable assets as collateral while paying ujrah as compensation for the safekeeping and maintenance of the pledged assets. The amount of ujrah is determined based on the financing amount and calculated according to the financing period, whereas the appraisal fee is paid upon settlement of the financing. The financing process, including the application, collateral appraisal, contract execution, fund disbursement, repayment, and the return of the collateral, is conducted based on the mutual agreement of both parties. Overall, the implementation of this financing mechanism demonstrates transparency in cost determination, ensures certainty regarding the rights and obligations of both parties, and reflects compliance with Sharia principles.
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