Criticism of Margin Actualization in Murābahah Financing at Sharia Banking Evidence from Indonesia
DOI:
https://doi.org/10.24090/ijtimaiyya.v8i1.6113Keywords:
Murābaha Financing; Margin; Sharia Bank.Abstract
This study aims to analyze margin actualization of murābaha contract. It is because, although murābaha is a favorable financing contract at sharia banking, it still has problem due to the related issue. This happens due to lack of trust form such customers, who have a tendency that sharia bank is the same with conventional bank due to the issue of margin actualization. This is a qualitative descriptive reseach with library reseach approach, exploring the issue and relating to the Islamic study to get such deep analysis. The result revealed that relating to the issue it needs such a fatwa or other binding which aligned with sharia principles, and such reconstruction of the contract which appropriate with sharia principle reflected by maqāṣid al-sharia.Downloads
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References
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Sabiq, S. (1993). Fikih Sunnah. Jilid 12.
Suhaendi, H. (2010). Fiqh Muamalah. Raja Grafindo Persada.
Sulaiman, S. (2014). Evaluasi Praktik Murabahah Pada Perbankan Syariah Di Indonesia Sebuah Analisis Fiqh. SYARI’AH : Jurnal Ekonomi Syari’ah.
Syahatah, H. (2001). Pokok-Pokok Pikiran Akuntansi Islam. Akbar Media Eka Sarana.
Al-Jaziri, A. (2004). Al Fiqh ‘Alā Madzāhib Al Arba’ah, Juz III. Al Maktabah Al ‘Ashriyyah.
Al-Marghinâ, B. (1998). Al-Hidâyat Syarh Bidâyah Al-Mubtady. Dar Al-Fikr Al-’Arabi.
Al-Sawi, M. S. (1990). Musykilah Al-Istisymar Fi Al-Bunuk Al-Islamiyah Wa Kaifa ‘Alijuha Al-Islam. Dar Al-Wafa.
Al-Zuhaily, W. (2013). Al-Fiqh Al-Islam. In Dar Al-Fikr.
Almsafir, M. K., & Alsmadi, A. A. (2014). Murabahah Versus Interest Rate, The Equilibrium Relationship With Macroeconomic Variables In Jordanian Economy: An ARDL Approach. Procedia - Social And Behavioral Sciences. Https://Doi.Org/10.1016/J.Sbspro.2014.03.687
Beck, T., Demirgüç-Kunt, A., & Merrouche, O. (2013). Islamic Vs. Conventional Banking: Business Model, Efficiency And Stability. Journal Of Banking And Finance. Https://Doi.Org/10.1016/J.Jbankfin.2012.09.016
Bonita, S. D., & Anwar, A. Z. (2018). Implementasi Syariah Compliance Pada Akad Murabahah Dan Ijarah (Studi Kasus Pada KSPPS BMT Fastabiq Jepara). JESI (Jurnal Ekonomi Syariah Indonesia). Https://Doi.Org/10.21927/Jesi.2017.7(2).90-99
Dahlan, A. (2012). Bank Syariah: Teoritik, Praktik, Kritik. Kalimedia.
Furwanti, R. (2020). Harga Jual Dan Tingkat Margin: Preferensi Nasabah Dalam Menggunakan Produk Pembiayaan Murabahah Bmt As’adiyah Sengkang. BANCO: Jurnal Manajemen Dan Perbankan Syariah. Https://Doi.Org/10.35905/Banco.V2i1.1331
Wawancara Nasabah Bank Syariah Yang Menggunakan Akad Murabahah, (2021).
Gundogdu, A. S. (2014). Margin Call In Islamic Finance. International Journal Of Economics And Finance. Https://Doi.Org/10.5539/Ijef.V6n8p205
Haque, A. (1987). Reading In Islamic Banking. Islamic Foundation.
Kurniawan, A., & Shomad, A. (2016). The Development Of Murabaha In Indonesian Islamic Banks. Rechtsidee. Https://Doi.Org/10.21070/Jihr.V3i1.153
M. Rifqi. (2010). Akuntansi Keuangan Syariah; Konsep Dan Implementasi PSAK Syariah (3rd Edition). P3EI.
Maulidizen. (2018). Analisis Kritis Pembiayaan Murābahah Dan Mekanisme Pricing Di Keuangan Islam Modern Indonesia. JIET: Jurnal Ilmu Ekonomi Islam, 2(4), 76–90.
Mawardi, H. Al. (1993). Al-Hâwi Al-Kabîr. Dar Al-Fikr Al-’Arabi.
Muhammad, M. (2014). Manajemen Dana Bank Syariah. In Raja Grafindo Persada. Raja Grafindo Persada. Https://Doi.Org/10.24260/Almaslahah.V12i1.341
Ngasifurdin, & Faizah. (2016). Studi Analisis Hukum Islam Terhadap Penerapan Akad Murābahah Pada Pembiayaan Modal Kerja (Studi Kasus BMT Bina Ihsanul Fikri Yogyakarta). Jurnal Ekonomi Syariah Indonesia, 2(6), 108–119.
Nofinawati. (2016). Analisis Terhadap Aplikasi Akad Murabahah Di Bank Syariah. At-Tijaroh: Jurnal Ilmu Manajemen ….
OJK. (2020). Statistik Perbankan Syariah September 2020. Otoritas Jasa Keuangan.
Otoritas Jasa Keuangan. (2016). Standar Produk Perbankan Syariah Murabahah.
Otoritas Jasa Keuangan. (2021). Standar Produk Perbankan Syariah.
Pertaminawati, H. (2016). Analisis Pemikiran Ibnu Khaldun Tentang Mekanisme Pasar Dan Penetapan Harga Dalam Perekonomian Islam. Kordinat: Jurnal Komunikasi Antar Perguruan Tinggi Agama Islam. Https://Doi.Org/10.15408/Kordinat.V15i2.6330
Pratiwi, P., Nawawi, M., & Kamaluddin, K. (2015). Implementasi Fatwa DSN MUI No: 04/DSN-MUI/IV/2000 Tentang Murābahah Pada Pembiayaan Konsumtif (Studi Kasus BNI Syariah Cabang Bogor). Al- Infaq: Jurnal Ekonomi Islam, 1(6), 69–113.
Prihantono. (2018). Akad Murabahah Dan Permasalahannya Dalam Penerapan Di Lembaga Keuangan Syariah. Al Maslahah.
Rusyd, I. (N.D.). Bidâyat Al-Mujtahid Wa Nihâyat Al-Muqtashid. Dar Al-Fikr Al-’Arabi.
Sabiq, S. (1993). Fikih Sunnah. Jilid 12.
Suhaendi, H. (2010). Fiqh Muamalah. Raja Grafindo Persada.
Sulaiman, S. (2014). Evaluasi Praktik Murabahah Pada Perbankan Syariah Di Indonesia Sebuah Analisis Fiqh. SYARI’AH : Jurnal Ekonomi Syari’ah.
Syahatah, H. (2001). Pokok-Pokok Pikiran Akuntansi Islam. Akbar Media Eka Sarana.
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Published
2023-03-31
How to Cite
Furwanti, R., Lestari, D. M., Mustaqim, A., & Solikhin, I. (2023). Criticism of Margin Actualization in Murābahah Financing at Sharia Banking Evidence from Indonesia. Ijtimā Iyya Journal of Muslim Society Research, 8(1), 33–42. https://doi.org/10.24090/ijtimaiyya.v8i1.6113
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Copyright (c) 2023 Reni Furwanti, Dini Maulana Lestari, Abdul Mustaqim, Iin Solikhin
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Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
