Analisis Hukum Islam terhadap Pembiayaan Bebas Riba Melalui Akad Ijarah di Bank Syariah Indonesia KantorCabang Kota Jambi
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Abstract
Bank Syariah Indonesia (BSI), the result of the merger of three of Indonesia’s largest Islamic banks, offers various innovative financing products, one of which is free-of-charge financing through the ijarah (lease) contract. This product allows customers to obtain financing with a flexible payment scheme without initial installments. This study aims to analyze the free-of-charge financing mechanism through the ijarah contract at Bank BSI in Jambi City. This research used a qualitative method with a normative juridical approach. Primary data was obtained through in-depth interviews with the management and staff of Bank BSI’s Jambi City Branch, as well as customers using the product. The study found that free-of-charge financing at Bank BSI in Jambi City uses the ijarah muntahiya bittamlik (IMBT) contract with a modified grace period.
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