MODIFICATION MODEL OF IJARAH MULTISERVICE FINANCING: BETWEEN PRACTICES AND FATWA

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Mainatul Ilmi

Abstract

Ijarah is a term for "Islamic lease" or rent in Islam. Ijarah can also be used for multi-service financing. When using a multi-service contract Ijarah financing the Islamic financial institutions (IFI) should deal directly with partners or third party service providers. However, in practice, many Islamic financial institutions that represent payment for services desired by the customer to customer itself, so in this case there are two contract namely ijarah and wakalah. Therefore, in this article, I recommend financing model that fits standard multi-service DSN with the cooperation between IFI and IFI’s third parties or partners.

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References

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