APLIKASI MURABAHAH PADA LEMBAGA KEUANGAN SYARIAH
DOI:
https://doi.org/10.24090/ej.v5i2.1880Keywords:
Application, Murabahah, LKS (Sharia Financial Institution)Abstract
Abstact The implementation of murabahah concept in syariah bank, if connected to clerical view, experienced some modification. Murabahah practiced in LKS is known as murabahah li al-'mir bi al-syirâ ', a sale and purchase transaction in which a customer comes to the bank to buy a commodity with certain criteria, and he promises to buy the commodity/goods in a murabahah contract, i.e. in accordance with the cost of goods purchased plus the level of profit agreed by both parties. The customer will pay it through periodical installment in accordance with his financial capabilities. The application of murabahah in the practice of Sharia Financial Institutions (LKS) is the transfer of direct ownership from suppliers to customers, whereas direct bank payments are made to the first seller/supplier. The customer as the last buyer receives the goods after having entered into a murabaha agreement with the bank and the LKS conducts murabaha with the customer, and at the same time represents the wakalah contract to the customer to buy the goods themselves. Keywords: Application, Murabahah, LKS (Sharia Financial Institution).References
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Fatwa dan Peraturan Perundangan:
Fatwa DSN-MUI NO: 04/DSN-MUI/IV/2000 Tentang Murabahah.
Fatwa DSN-MUI NO: 13/DSN-MUI/IX/2000 Tentang Uang Muka Dalam Murabahah..
Fatwa DSN-MUI NO: 16/DSN-MUI/IX/2000 Tentang Diskon Dalam Murabahah.
Fatwa DSN-MUI NO: 17/DSN-MUI/IX/2000 Tentang Sanksi atas Nasabah Mampu yang Menunda-nunda Pembayaran
Fatwa DSN-MUI NO: 23/DSN-MUI/III/2002 Tentang Potongan Pelunasan Dalam Murabahah Peraturan Mahkamah Agung Republik Indonesia Nomor 02 Tahun 2008 Tentang Kompilasi Hukum Ekonomi Syariah.
Pertama, Yogyakarta, Pustaka Pelajar, 2003
Ah Azharuddin Lathif, Konsep Dan Aplikasi Akad Murabahah Pada Perbankan Syariah Di Indonesia, jurnal
http://www.academia.edu/6497439/Konsep_dan_Aplikasi_Akad_Murabahah_pada_Perbankan_Syariah_di_Indonesia
Al Quran. CV Penerbit Diponegoro. 2000
A. Rahman I.Doi. Penjelasan Lengkap Hukum-hukum Alloh (syariah).PT Raja Grafindo Persada,2002
Ifham Ahmad, Ini Lho Bank Syariah! Memahami Bank Syariah dengan mudah,PT Gramedia Pustaka Utama.2015.
Muh Sabir, dkk, Pengaruh Rasio Kesehatan Bank Terhadap Kinerja Keuangan Bank Umum Syariah Dan Bank Konvensional Di Indonesia, Jurnal Analisis, Juni 2012, Vol 1 No. 1, ISSN 2303-1001, 2012.
Syafi’I Antonio, Muhammad,Bank Syariah bagi Bankir & Praktisi Keuangan, Jakarta : Bank Indonesia kerja sama Tazkia Institute,1999. Hal.102
Sutan Remy Sjahdeini, Perbankan Syariah Produk-Produk Dan Aspek-Aspek Hukumnya, Jakarta: Kencana Prenada Media, 2009.Hal.178.
Sami Hasan Hamud, Tathwîr al- A’mâl al-Mashrafiyah Bimâ Yattafiq al-Syarî ’ ah al-Islâmiyah , Aman: Mathba’ah alSyarq, 1992.hal.431
Wiroso,SE,MBA. Produk Perbankan Syariah.LPFE Usakti,2011.Hal.169
Fatwa dan Peraturan Perundangan:
Fatwa DSN-MUI NO: 04/DSN-MUI/IV/2000 Tentang Murabahah.
Fatwa DSN-MUI NO: 13/DSN-MUI/IX/2000 Tentang Uang Muka Dalam Murabahah..
Fatwa DSN-MUI NO: 16/DSN-MUI/IX/2000 Tentang Diskon Dalam Murabahah.
Fatwa DSN-MUI NO: 17/DSN-MUI/IX/2000 Tentang Sanksi atas Nasabah Mampu yang Menunda-nunda Pembayaran
Fatwa DSN-MUI NO: 23/DSN-MUI/III/2002 Tentang Potongan Pelunasan Dalam Murabahah Peraturan Mahkamah Agung Republik Indonesia Nomor 02 Tahun 2008 Tentang Kompilasi Hukum Ekonomi Syariah.
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Published
2018-11-01
How to Cite
Damayanti, E. (2018). APLIKASI MURABAHAH PADA LEMBAGA KEUANGAN SYARIAH. El-Jizya : Jurnal Ekonomi Islam, 5(2), 211–240. https://doi.org/10.24090/ej.v5i2.1880
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