Konstruksi Hukum Akad Hybrid (Al-‘Uqud al-Murakkabah) dalam Pembiayaan Perbankan Syariah: Analisis Kesesuaian Fatwa DSN-MUI dan Problematika Kepatuhan Syariah
DOI:
https://doi.org/10.59966/setyaki.v4i1.2784Keywords:
Hybrid Contract, al-‘Uqud al-Murakkabah, DSN-MUI Fatwa, Islamic Financing, Sharia ComplianceAbstract
Hybrid contracts (al-‘uqud al-murakkabah) have become an important instrument in the development of Islamic banking financing products, yet their use continues to raise questions concerning the limits of contractual combination and the consistency of their implementation with Sharia principles. This study analyzes the legal construction of hybrid contracts, their accommodation in fatwas issued by the National Sharia Board of the Indonesian Council of Ulama (DSN-MUI), and relevant parameters for Sharia compliance in financing products. It employs normative legal research using statutory, conceptual, and fatwa approaches. Primary legal materials, including legislation, DSN-MUI fatwas, and OJK product guidelines, are examined together with fiqh literature and national and international journal articles. The findings indicate that hybrid contracts are generally permissible when each component contract is independently valid, the legal relationship and contractual sequence are clear, and the transaction avoids riba, gharar, maysir, and hilah. Previous empirical studies reveal that major compliance risks concern ownership and possession of the financed asset, price transparency, and the simultaneous execution of wakalah and murabahah. This study proposes a substantive compliance model based on contract validity, sequence, ownership, transparency, prohibited elements, Sharia governance, and maqashid al-Shari‘ah
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