Akad Ijarah: Multijasa Financing Mechanism In Baitul Maal Wa Tamwil (BMT)

Purpose - The purpose of this research is to find out how the mechanism multijasa financing using ijarah contract and determination ujrah which related Fatwa DSN-MUI at KSPPS BMT DAMAR Fatmawati Branch Office, Semarang City.Method method in qualitative case study type. Data were obtained through observation, interviews documentation. Furthermore, collected data analyzed descriptively.Result results state that practice contracts KC includes: 1.) acts as a provider funds; 2.) provides funds realize object member rent, such education costs, childbirth, home renovations, renting shop. Then, are handed over member; 3.) members can return installments. While on ujrah/fee, guided by nominal amount. amount clearly stated time execution. This means also mediator between renters number submitted members. not line with obligations sharia financial institutions, namely providing leased goods or services provided No.09/DSN-MUI/IV/2000.Implication was conducted provide an overview see relationship based Number 44 2004.Originality There have been many discussions about microfinance institutions/Baitul maal wat tamwil (BMT). However, there still few who discuss correlated 2004.