Pola Ijtihad Fatwa Dewan Syari’ah Nasional MUI tentang Produk Perbankan Syari’ah
The problems of this research were the ijtihad pattern used in determining the fatwas of National Syari’ah Council (DSN) of Indonesian Council of Religious Scholars (MUI) and the factors which came before the consideration of determining the fatwas of syari’ah banking product. To answer this question, the researcher used the method of normative approach and sociological history. This research is the library research using the philosophical analysis method and the content analysis in elaborating the material aspects of National Syari’ah Council fatwas of MUI on syar’iah banking product. From 38 fatwas of National Syari’ah Council of MUI, researcher focused to 19 fatwas, devided to 3 fatwas on fund collecting product, 9 fatwas on cost product and 7 fatwas on service product. From the research can be understood that for fund collecting product like clearing account, saving, and fixed deposit, DSN used the ijtihad qiyasi pattern (ta’lili) and the ijtihad istislahi pattern. For cost product fatwas like murabahah, salam trade, istisna, parallel istisna, mudharabah, musyarakah, ijarah, ijarah muntahiyah bi al tamlik and al qardh, DSN used the ijtihad istislahi pattern. While, for service product fatwas like wakalah, kafalah, hiwalah, save deposit box, obligation transfer, letter of credit import and letter of credit export, DSN used the ijtihad istislahi pattern. The result of this research, that the factors came before the consideration of determining the fatwas of DSN were to fulfil the legality of service need and banking product for the society who did not accept the interest concept and the legality of cost opportunity in trade developing based on friendship priciple.
keyword : Ijtihad Pattern, National Syari’ah Council, Syariah Banking Product