PENERAPAN AKAD WAKALAH BI AL-UJRAH DAN HIWALAH BI AL-UJRAH DALAM PENGEMBANGAN PRODUK DI PERBANKAN SYARIAH

The innovation of Islamic banking products requires the use multi-contracts which transform tabarru' contract incidentally is a non-commercial into mu'awadhat whose purpose for commercial activities. So that it raises debate about legal status profits generated from and how applied in product development banking. These contracts are wakalah bi al-ujrah hiwalah contract. This study uses descriptive literature method normative juridical approach with data analysis techniques form reduction, presentation drawing conclusions. type research qualitative research. results this reveal fact application banks contained mechanism implementing functions providing services. As services provided, nature norms same as service ijarah included category core (mu'awadhat) profit.