Pengertian serta Contoh Kasus akad Ijarah

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hi sahabat Portal Islam Islamidina , pada kesempatan kali ini kita akan membahas tentang sebuah hal yang sering terjadi dalam masyarakat yaitu akad ijarah. Bagaimana Pengertian dan Contoh kasus ijarah dan penyelesaiannya ? Yuk Kita bahas bersama

 

Masyarakat dalam memenuhi kebutuhan sehari-harinya terutama kebutuhan tersier, acapkali melakukan kegiatan transaksi ijarah muntahiya bittamlik. 

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Namun dilapangan masih banyak masyarakat yang belum memahami bahwa selama ini mereka sering melakukan transaksi IMBT.  

 

Contoh kasusnya dari transaksi Ijarah Muntahiya Bittamlik (IMBT) adalah biasanya saat kita ingin membeli kendaraan bermotor dengan cara pembayaran angsuran.

Selama proses mengangsur pembayaran itu, sebenarnya kepemilikan dari kendaraan bermotor yang dibeli, masih menjadi milik si penjual, karena si penjual menyewakan kendaraan bermotornya kepada pembeli untuk diangsur sampai dengan jangka waktu yang telah disepakati atau ditentukan.

Pengertian Ijarah

Pengertian Ijarah, ijarah merupakan kontrak bank syariah sebagai pihak yang menyewakan barang kepada nasabah sebagai si penyewa, dengan menentukan biaya sewa serta jangka waktu yang disepakati oleh pihak bank dan pihak penyewa. 

 

Barang-barang yang dapat disewakan biasanya merupakan aset tetap, seperti kendaraan, gedung, alat elektronik, dan berbagai macam aset tetap lainnya.

Menurut bahasa, Ijarah berasal dari kata al-ajru yang artinya ialah al-iwadh , jika dalam bahasa indonesia diartikan sebagai ganti atau upah. Sedangkan dalam arti luas, ijarah ialah suatu akad yang berisikan penukaran suatu manfaat barang dengan jalan memberikan imbalan dalam jumlah tertentu.

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Dalam fiqih Islam, Ijarah yaitu memberikan sesuatu untuk di sewakan. Sedangkan pengertian ijarah menurut fatwa DSN (Dewan Syariah Nasional) didefinisikan sebagai akad pemindahan hak guna (manfaat) atas suatu barang dalam kurun waktu tertentu, dengan pembayaran sewa, tanpa diikuti dengan pemindahan kepemilikan barang tersebut.

Dalam transaksi perbankan, bank membeli aset tetap dari supplier, yang kemudian disewakan kepada nasabah dengan biaya sewa yang tetap, sampai jangka waktu tertentu. Yang melandasi terjadinya transaksi ijarah adalah karena adanya perpindahan manfaat (hak guna). Bukan perpindahan hak kepemilikan barang.

Akhir Kata

Jadi kesimpulannya, prinsip ijarah sama saja dengan prinsip jual beli, akan tetapi letak perbedaannya terlihat pada objek transaksinya. Bila pada jual beli objek transaksinya barang, pada ijarah objek transaksinya adalah barang maupun jasa.

Pada dasarnya, ijarah dapat didefinisikan sebagai hak untuk memanfaatkan barang/jasa dengan imbalan tertentu. Dengan demikian, dalam transaksi akad ijarah tidak ada perubahan kepemilikan, tetapi hanya perpindahan hak guna saja, dari yang menyewakan kepada si penyewa.

Demikian pembahasan kami tentang Pengertian serta Contoh Kasus akad Ijarah, semoga bermanfaat. Wassalamualaikum Wr Wb. 

 
Referensi:
Ismail, Perbankan Syariah, 2011, (Surabaya: Prenadamedia Group), hlm. 159-160.

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