Transformasi Hybrid Contract Dalam Akad-Akad Komersial Di Bank Syariah
Abstract
                                                        ABSTRAK
          Perbankan syariah sebagai sebuah institusi komersial , senantiasa menawarkan sebuah produk dengan akad penyertanya yang berbasis syariah. Pada awalnya, satu produk cukup satu akad. Namun pada perkembangannya, produk-produk yang ditawarkan bank syariah tidak cukup menggunakan satu akad, tetapi banyak akad dalam satu transaksi yang disebut hybrid contract. Hybrid contract dalam penerapannya bertransformasi dalam berbagai bentuk akad terapan.
         Penelitian ini merupakan penelitian kepustakaan, dengan pendekatan deskriptif kualitatif,  melalui telaah dokumen kepustakaan,  analisisnya dengan metode  induktif yakni dari lapangan tertentu yang bersifat khusus, kemudian hasil penelitian tersebut ditafsirkan sebagai kesimpulan untuk membangun suatu proposisi atau teori yang dapat digeneralisasikan secara luas. Hasil penelitian menunjukan tranformasi hybrid contract dikaitkan dengan rencana penberlakuan produk tertentu oleh lembaga perbankan syari’ah, secara umum ada tiga kemungkinan yang dapat dilakukan, yaitu: Pertama, memberlakukan sesama akad yang bersifat komersial (mu’âwadlah). Kedua, memberlakukan akad yang bersifat komersial (mu’âwadhah) dengan akad derma (tabarru’). Dan ketiga, memberlakukan sesama akad yang bersifat derma (tabarru’).
Key word: Transformasi, Hybrid Contract, Bank Syariah
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