Kartu Syariah Hasanah Card: Analisis Fatwa DSN-MUI Nomor 54 Tahun 2006 tentang Syariah Card
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Abstract
ABSTRAK
Bank syariah dituntut untuk mengeluarkan satu produk yang dapat memudahkan masyarakat tetapi juga berbasis syariah, maka dari itu BNI syariah menerbitkan produk iB Hasanah Card yang fungsinya sama dengan kartu kredit berbasis syariah. Dalam rangka untuk mengetahui suatu produk dalam suatu lembaga keuangan syariah apakah telah sesuai dengan standar syariah, maka dewan syariah nasional hadir sebagai suatu lembaga yang berhak mengeluarkan fatwa sebagai pedoman lembaga keuangan syariah untuk mengeluarkan produk yang sesuai syariah. Penelitian ini merupakan penelitian dengan metode kualitatif dengan pendekatan studi hukum normatif, dengan menggunakan Fatwa DSN-MUI No.54 Tahun 2006 tentang Syariah Card sebagai landasan hukum. Hasil penelitian ini menyatakan bahwa praktik ib Hasanah Card di BNI Syariah kantor cabang Kendari sudah sesuai dengan Fatwa DSN-MUI No.54 Tahun 2006 tentang Syariah Card di tinjau dari segi akad, pengambilan fee, batasan-batasan dan ta’widh.
ABSTRACT
In order to meet the needs of modern society islamic bank is prosecuted to creat a various product that comply with Islamic principles. Than BNI Syariah has published iB Hasanah Card product that function like credit card with Islamic principles. In order to know that a product in one syariah financial institution has according with syariah standart, than nasional syariah board attend as a institution who have the rights to issue fatwa as a guidelines for syariah financial institution to creat their product with Islamic principles.This research is a qualitative study using normative law approaching, with Fatwa DSN-MUI number 54 year 2006 about Syariah Card as a legal foundation. The results of this study suggest that t implementation practice of iB Hasanah Card in BNI Syariah Kendari branch office has suitable with Fatwa DSN- MUI number 54 year 2006 about Syariah Card, in terms of akad, fees, limits and ta’widh.
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