PENERAPAN MULTI AKAD (HYBRID CONTRACT) MURABAHAH BIL WAKALAH DITINJAU DARI FATWA DSN-MUI (Kajian Pada Bank Syariah Mandiri KCP Bima)

Applicationof Multi Akad (HybridContract) Murabahah Bil Wakalah Judging from Fatwa DSN-MUI (Study on Bank Syariah Mandiri KCP Bima);Silfiani Jiatun; NIM 201610510311027; Program Studi Ekonomi Syariah FAI UMM. This research discusses the application of the Multi Akad (hybrid contract) Murabahah bil wakalah financing at Bank Syariah Mandiri KCP Bima. Dangan uses this type of qualitative research. The approach used by phenomenology is to apply and apply subjectivity and interpersonal abilities in the exploratory research process, data collection techniques by means of interviews, observation and documentation, then analyzed using data collection, data education, data presentation Researchers use the trigulator method, namely the effort to check the truth. data. Results of research The provisions applied at Bank Syariah Mandiri KCP Bima in terms of the use of the murabahah bil wakalah contract in micro financing, the murabahah contract is carried out simultaneously with the wakalah contract which in fact the wakalah and murabahah contracts must be carried out separately, the wakalah contract is enforced first and then murabahah after the goods are finished belonging to the bank, and in relation to the goods purchased by the customer are not first handed over to the bank but the goods are directly owned by the customer, it can be concluded that the implementation of some of the provisions in the murabahah contract if wakalaha is not included in Fatwa DSN-MUI Number 04 / DSN-MUI / 2000 point 9