Abstract
This research intended to know whether murabahah financing contract on the sharia banking has fullfill to sharia principles in Islamic law provisions. This research is a normative or doctrinal research. This research is the kind of doctrinal or normative legal using approach of law (statute approach) and conseptual approach so it’s using the secondary dates sources such as primary,secondary and tertiary legal materials. Dates was collected with library research and analyzed by deductive logic. According of research result and analysis that the murabahah financing contract on the Sharia Mandiri Banking in Yogyakarta isn’t suitable sharia principles accordance in the Islamic Law because some requirements in the contract implementation hasn’t fullfill to sharia principles so it founded gharar, riba and zhalim. So, this is inline with sharia principles accordance in the Al-Quran, Al-Hadits and Fatwa Council of Sharia National Number 04/DSN-MUI/IV/2000 on Murabahah and also Law Number 21 Of 2008 on Sharia Banking.
Highlights
Sebagian besar musytari yang menggunakan pembiayaan murabahah pada bank syariah selalu diberi wakalah sehingga dapat disimpulkan bahwa jual beli terhadap objek yang belum dimiliki oleh ba’i maka terdapat penyimpangan
This research intended to know whether murabahah financing contract on the sharia banking has fullfill to sharia principles in Islamic law provisions
According of research result and analysis that the murabahah financing contract on the Sharia Mandiri Banking in Yogyakarta isn’t suitable sharia principles accordance in the Islamic Law because some requirements in the contract implementation hasn’t fullfill to sharia principles so it founded gharar, riba and zhalim. This is inline with sharia principles accordance in the Al-Quran, Al-Hadits and Fatwa Council of Sharia National Number 04/Dewan Syariah Nasional (DSN)-Majelis Ulama Indonesia (MUI)/IV/2000 on Murabahah and Law Number 21 Of 2008 on Sharia Banking
Summary
Sistem keuangan di Indonesia dalam operasional lembaga keuangan dijalankan oleh 2 (dua) jenis lembaga keuangan yaitu lembaga keuangan bank dan lembaga keuangan non bank (Soemitra, 2009:26). Menurut ketentuan Fatwa Dewan Syariah Nasional Nomor: 04/DSN-MUI/IV/2000 tentang murabahah tidak secara implisit menyebutkan mengenai pengertian dari prinsip syariah akan tetapi, di dalam ketentuan tersebut menyebutkan bahwa barang yang diperjualbelikan di dalam akad pembiayaan murabahah tidak diharamkan oleh syariat Islam (Anshori, 2009: 123). Seiring dengan perkembangan zaman maka murabahah mengalami perkembangan yakni terdapat transaksi antara penjual/bank syariah (selanjutnya disebut dengan ba’i) dan pembeli/nasabah (selanjutnya disebut dengan musytari) namun, dalam hal ini ba’i tidak menyediakan objek pembelian karena barang berasal dari pemasok (http://www.konsep murabahah_ekosujadi.blogspot.com diakses pada tanggal 31 Juli 2015). Berdasarkan latar belakang masalah yang telah diuraikan sebelumnya, maka melalui artikel ini penulis akan mengkaji mengenai apakah akad pembiayaan murabahah pada Bank Syariah Mandiri cabang Yogyakarta telah memenuhi prinsip syariah sebagaimana yang telah ditentukan dalam kaidah hukum Islam
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