Abstract
Sharia banks, one of which activities are channeling funds with the principle of Murabahah (Buy-Sell), of course carry out these transactions in accordance with applicable regulations, namely in accordance with the DSN fatwa No. 04 / DSN-MUI / IV2000 regarding Murabahah, which is the contract used in the sale and purchase of goods by stating the cost of goods and the profit (margin) agreed upon by the seller and the buyer. In murabahah in Islamic banks, we as customers have agreed with the bank to buy goods, where the goods are first purchased by the Islamic bank, then sell them back to customers with a predetermined and mutually agreed rate of profit margin. At first glance, we do not see a difference in the amount of installments between installments at conventional banks and those in Islamic banks. What we need to underline here is the form / scheme of each type of channeling funds from the bank. For conventional banks, banks channel funds by providing credit / loans in the form of money. This means that here a conventional bank sells its money in the hope of a profit rate determined by interest. Meanwhile, Islamic banks distribute funds in the form of sale and purchase, where the BS buys an asset / asset which then sells it back to the customer at the level of profit that has been agreed at the beginning. Where according to PBI No. 7/46 / PBI / 2005 that "the agreement margin must be determined once at the beginning of the contract and does not change during the contract period". This shows that there will be no change in installments during the financing period with the Indonesian murabahah scheme
Highlights
Abstrak: Bank Syariah yang salah satu kegiatannya adalah menyalurkan dana dengan prinsip Murabahah (Jual-Beli) tentu melakukan transaksi tersebut harus seuai dengan ketentuan yang berlaku yaitu sesuai dengan fatwa DSN No 04/DSN-MUI/IV2000 mengenai Murabahah, yaitu akad yang dipergunakan dalam perjanjian jual beli barang dengan menyatakan harga pokok barang dan keuntungan yang disepakati oleh penjual dan pembeli
Sharia banks, one of which activities are channeling funds with the principle of Murabahah (Buy-Sell), carry out these transactions in accordance with applicable regulations, namely in accordance with the DSN fatwa No 04 / DSN-MUI / IV2000 regarding Murabahah, which is the contract used in the sale and purchase of goods by stating the cost of goods and the profit agreed upon by the seller and the buyer
In murabahah in Islamic banks, we as customers have agreed with the bank to buy goods, where the goods are first purchased by the Islamic bank, sell them back to customers with a predetermined and mutually agreed rate of profit margin
Summary
Karena margin keuntungan termasuk bagian dari harga, sedangkan mengetahui harga merupakan syarat sah jual-beli. ""ُياأيهاُالذينُأمنواُلاتخونواُاللهُوالرسولُوتخونواُأماناتكمُوأُنتمُتعلمون Berdasarkan ayat di atas, apabila terjadi jual-beli murabahah dan terdapat cacat pada barang, baik pada penjual maupun pada pembeli, maka dalam hal ini ada dua pendapat ulama. Pengkhianatan dalam jual-beli murabahah ini bisa terjadi mengenai informasi tentang cara penjual memperoleh barang, yaitu apakah melalui pembelian secara tunai, pembelian hutang atau sebagai penggantian dari suatu kasus perdamaian. Apabila pengkhianatan terjadi dalam hal informasi cara memperoleh barang, dimana misalnya penjual menyatakan bahwa ia memperolehnya melalui pembelian tunai padahal melalui pembelian hutang atau merupakan barang penggantian dalam suatu kasus perdamaian, maka pembeli diberi hak khiyar untuk meneruskan atau membatalkan akad tersebut. Menurut Abu Yusuf (133-182 H), pembeli tidak mempunyai hak khiyar, melainkan berhak menurunkan harga ke tingkat harga riil sesungguhnya yang dibayarkan oleh penjual ketika membeli barang bersangkutan serta penurunan margin keuntungan dalam prosentase yang sebanding dengan penurunan harga pokok barang. Ulama, dan praktisi perbankan syari’ah agaknya menggunakan rujukan/dasar hukum jual-beli sebagai rujukannya, karena mereka menganggap bahwa murabahah termasuk jual-beli
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