Clearing in the View of Islamic Economic law

Ahmad Muqorobin, Yunita Wulandari

Abstract

The financial flow can be regarded good or bad based on the function of central
bank in managing the circulation of money in Indonesia. Currently, the transanction
giral money is more dominant than cartel money in the society. Because it tends to be
more effective, effecient and easy used in all economic activities. Most of the payments
making up the transactions flow between several banks, which need one of the instruments
that settles the flow money circulated among the banks known as clearing. The objective
of research is to know the mechanism of clearing and the structure of ‘aqd in the bank
from Islamic law perspective. The finding shows that the application of clearing in
Islamic banking has used Aplikasi kliring the contract of waka>lah, specifically waka>lahbil
ujroh that the bank will get the fees to represent the customers settling the payment.

Keywords

service bank; clearing; ‘aqd; wakâlah

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