Analysis of Conversion of Mudharabah Akad to Akad Qardh Dsn-Mui Fatwa  Perspective Number: 07/Dsn-Mui/Iv/2000 Concerning Mudharabah (Qiradh) Financing

Laila Afni Rambe

Analysis of Conversion of Mudharabah Akad to Akad Qardh Dsn-Mui Fatwa Perspective Number: 07/Dsn-Mui/Iv/2000 Concerning Mudharabah (Qiradh) Financing

Laila Afni Rambe

Abstract

Developments in the world of financial institutions have also led to various developments in the financing products offered by each sharia bank. This is marked by the birth of new products, one of which is the mudharabah contract, but what is interesting to study is that it is found that there is a transfer of a mudharabah contract to a qardh contract without the consent of the customer, this of course violates the principles of bermuamalah. The purpose of this study was to determine the legal position of contract conversion using mudharabah and qardh theories and then analyzed based on the DSN-MUI fatwa. The results showed that the conversion of a mudharabah contract to a qardh contract should not be done and it is against the principles of sharia because it is detrimental to one of the parties with the contract.

Keywords

Mudharabah, Qardh, Conversion of contracts, Legal Position.

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