The term hybrid contracts (al-ququd al-murakkabah / multiakad) are already familiar to practitioners and academics of sharia economic law. This indicates the rapid innovation in sharia economic law, especially in sharia financial institutions. Each product issued by Islamic financial institutions certainly uses more than one contract, including multipurpose financing products. Then what about the hadith narrated by Imam Ahmad who stated "... has prohibited two agreements (contract) in one agreement (contract) ...". Is multipurpose financing including prohibited or not? To answer this question, the author tries to examine more comprehensively about the application of the concept of hybrid contracts to Multipurpose Financing. The results of the author's analysis suggest the following: first, that in its implementation, multipurpose financing applied in Islamic banking uses a hybrid contracts (al-‘uqud al-murakkabah / multiakad). The contracts applied to this multipurpose financing are murabahah contracts, ijarah contracts, and kafalah contracts; second, the application of hybrid contracts in multipurpose financing turns out as long as it does not conflict with the rules in Law Number 21 of 2008 concerning Islamic Banking and does not conflict with the MUI DSN Fatwa on Murabahah, Ijarah and Kafalah, and does not conflict with the Compilation of Islamic Economic Law (KHES), therefore, the application of these hybrid contracts is permissible. and third, as for the object of multipurpose financing in the form of halal goods and / or services (allowed by sharia), including financing to meet customer needs for halal goods / objects, in addition to land and residential buildings, flats (apartments, shop houses, home office) cars and gold. The financing objects that are allowed include: two-wheeled motorcycles, building materials, electronic goods, household furniture. These objects are not necessarily the same as those applied to other banks.
The objectives set out in this study are: (1) To determine the continuity of education at MTs Tinombal in the midst of the Covid-19 pandemic, (2) To determine the advantages and disadvantages of online learning at MTs Tinombala in the midst of the Covid-19 pandemic and (3) To find out the strategies used by MTs Tinombala in implementing learning in the midst of the Covid-19 pandemic so that student learning can run optimally. This study used a qualitative descriptive study conducted at MTs Tinombla, Central Sulawesi. From the results of this study, the sustainability of education at MTs Tinombala went well by combining online and offline learning methods, online activities were carried out through the WA group between teachers and students while offline was carried out by the arrival of students to school to take the learning module. The advantages of online learning at MTs Tinombala are very diverse, but to overcome these obstacles schools have not been able to overcome all the obstacles because of many factors that influence it.
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