TINGKAT PENGGUNAAN MULTI AKAD DALAM FATWA DEWAN SYARI’AH NASIONAL–MAJELIS ULAMA INDONESIA (DSN-MUI)
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Abstract
Abstrak:
Artikel ini bermula dari persoalan tentang hukum multi akad dan level penggunaannya dalam fatwa DSN-MUI (Dewan Syari’ah Nasional Majelis Ulama Indonesia). Untuk menganalisis persoalan tersebut, penulis menggunakan jenis penelitian hukum normatif (normatie legal research) dengan pendekatan konseptual. Fakta bahwa fatwa DSN-MUI banyak mengadopsi akad-akad baik yang bersifat tunggal maupun multi (al-’uqûd al-murakkabah). Multi akad ada yang bersifat alamiah (al-‘uqûd al-murakkabah al-thabî’îyah) dan hukumnya diperbolehkan. Sedangkan multi akad hasil modifikasi (al-‘uqûd al-murakkabah al-ta’dîlah) hukumnya masih tergantung dari bagaimana bentuk modifikasinya. Jika modifikasi akad tidak melanggar prinsip Sunnah tentang penggabungan akad, maka hukumnya diper- bolehkan. Begitu pula sebaliknya, jika terjadi penggabungan akad se- hingga terdapat keterkaitan (mu’allaq), maka haram hukumnya. Dari total akad yang diadopsi dalam fatwa DSN-MUI, ada sekitar 60,68 % yang menggunakan akad secara tunggal dan sisanya 39,32 % melalui pendekatan multi akad agar dapat diterapkan dalam transaksi modern.
Abstract:
This article begins from issues of the law of hybrid contracts and the level of their using in the fatwa of DSN-MUI (National Sharia Board – Assembly of Indonesian Ulama). To analyze these issues, I use a normative legal research with a conceptual approach. The fact that the fatwa of DSN-MUI has adopted many contracts (al-‘uqûd) both in single form and hybrid contract (al-'uqûd al-murakkabah). There are two hybrid contracts namely that natural (al-'uqûd al-murakkabah al-thabî'îyah) is permissible, while law of hybrid contracts modified (al-'uqûd al-murakkabah al-ta'dîlah) is still depend on how to modify it. If the modification of the contracts does not violate the principle of hadith, then it is permissible. Otherwise, if there is a melting of contracts causing inter connected each others (mu'allaq) it is unlawful. Of the total contract is absorbed, there were approximately 60.68% using singgle contract and the remaining 39.32% using hybrid contract to be applied in modern transactions.
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