Sharia banking in Indonesia is experiencing significant developments, including assets, financial services, and the number of customers. Haj funds are a financial service using a contract of qard or ijarah given to prospective partners in obtaining the portion number of Hajj or Hajj Travel Costs (BPIH). The implementation of this product gives a positive and negative impression, so the legitimacy of the product and the consequences of its need to be reviewed implementation. This article will explain the implementation of the Hajj Fund of the Mega Syariah Bank Pekanbaru Branch and revisit the Islamic Law on the implementation of these products. The purpose of this research is to implement the legitimate status of product. The results of this study shows that the contract / contract itself has a great risk of being hidden because in this contract there is a merger between the contract qard and ijarah by requiring additional benefits as a service and the amount of benefit depends on the amount and the length of loan. In fiqh muamalah, it is mentioned that any profitable loan is riba.
Islamic banking in Indonesia experienced significant developments, including assets, financing provided and number of customers. Hajj funds are financing using a qard or ijarah contract that is given to prospective pilgrims in an effort to get a portion of the number of Hajj or Hajj Travel Costs (BPIH). The application of this product gives the impression of positive and negative, so it is necessary to review the legitimacy of the product and the consequences of its implementation. Because this article will explain the implementation of the Pekanbaru Branch of the Mega Syariah Hajj Fund and the review of Islamic Law regarding the implementation of the product. The purpose of this study is to implement the Hajj Fund product in addition to making it easier for customers to make a pilgrimage, but also get the product legitimacy status. The results of this study are the validity of the contract that is very risky to fall into usury which is hidden, because in this contract there is a merger between the qard and ijarah contract by requiring additional benefits as a service, even the amount depends on the loan amount and loan length. In muamalah fiqh, it is known that "Every profit or more is a usury"