IMB

Akad Ijarah Muntahiyah Bi Tamlik an agreement providing funds in order to move right to use or benefit of any goods or services under lease with an option to transfer ownership of the goods to the tenant is the customer. In particular, Ijarah Muntahiyah Bi Tamlik set in DSN-MUI fatwa No.: 27/DSN-MUI/III/2002 about Al Ijarah al Muntahiyah bi al-Tamlik. Banks based on Sharia or Islamic banking principles, as well as conventional banks also serve as a financial intermediary (an intermediary financial institution), which is an institution whose activities raise funds from the public in the form of savings and channel these funds back to the communities that need it in the form financing facilities. Akad muntahiyah Ijarah financing this bi tamlik arise in banking practices because of the demands of the growing need in society, which was not followed by a significant increase in financial conditions, so it can not compensate for the fulfillment of various needs. The parties involved in the financing ijarah muntahiyah bittamlik are Islamic banks, customers and suppliers.

Object ownership rights over the Ijarah financing still exist in Islamic banks, and only then if the ijara been completed or if the customer has fulfilled all its obligations, the rights of ownership object muntahiyah bittamlik ijarah the new switch to the customer, either by sale and purchase contract or grant in accordance with the agreement of the parties. In practice, Ijarah financing muntahiyah bittamlik allow for one of the injured party – in this case party financing providers. This is possible because of financing IMBT usually last in a long time, while the money was used banknotes. while in the long term muamalah – over one year – if the use of Flat money will become less fair because of the declining value / purchasing power of Flat money. Therefore we need a solution so that funding be equitable in the sense that there is no aggrieved party. One solution offered is IMBT Financing by using the Gold Dinar.

sumebr : https://nonkshe.wordpress.com/2010/12/09/pembiayaan-ijarah-muntahiyah-bi-tamlik-imbt-berbasis-dinar/