Eksistensi Akad Dalam Kartu Kredit Syariah Hasanah Card Di Indonesia

Abstract

The rapid development of times, technology, and science cause various problems, like
problems of the society needs in the economic such as need for something that make society to
be easy to running their daily, and to provide a sense of security, and sense of comfortable for
them. In order to meet the needs of modern society islamic bank is prosecuted to creat a various
product that comply with Islamic principles. Than BNI Syariah has published iB Hasanah
card product that function like credit card with Islamic principles.
In order to know that a product in one syariah financial institution has according with syariah
standart, than nasional syariah board attend as a institution who have the rights to issue fatwa
as a guidelines for syariah financial institution to creat their product with Islamic
principles.This research is a qualitative study using normative law approaching, with fatwa
DSN-MUI number 54 year 2006 about Syariah Card as a legal foundation. The results of this
study suggest that t implementation practice of iB hasanah card in BNI Syariah kendari branch
office has suitable with fatwa DSN- MUI number 54 year 2006 about Syariah Card, in terms
of akad, fees, limits and ta‟widh.