Murabahah Agreement Research Articles

Pelaksanaan Akad Murabahah Dalam Perbankan Syariah (Studi Kasus Putusan Pengadilan Agama Jakarta Pusat Nomor 1203/PDT.G/2018/PA.JP)

Activities carried out by Sharia Banking must be based on sharia principles. Sharia banking is regulated in Law Number 21 of 2008 concerning Sharia Banking. Likewise, the products issued must be based on sharia principles, such as the Murabahah Agreement product. “The decision of the Central Jakarta Religious Court Number 1203/Pdt.G/2018/PA.JP” submitted an application for the Murabahah Agreement. The formulation of the problem in this research is whether the Court's decision Religion of Central Jakarta Number 1203/Pdt.G/2018/PA.JP regarding whether the Murabahah Agreement is in accordance with Law Number 21 of 2008 concerning Sharia Banking? This research uses a normative juridical research type which is descriptive and analyzed qualitatively by drawing conclusions logically deductively. The results of the discussion indicate that the dispute resolution is not yet in accordance with the regulations, and the conclusion is that the implementation of the Murabahah contract does not comply with the provisions of Law Number 21 of 2008. Meanwhile, based on Article 55 of Law Number 21 of 2008, there is authority to examine and adjudicate the implementation of the Murabahah contract.

Analysis of Legal Aspects of The Murabahah Agreement In Islamic Banking

Islamic Banking According to Law Number 21 of 2008 concerning Islamic Banking, specifically Article 1 number 7, Islamic Banks are banks that carry out their business activities based on Islamic principles and by their nature, consisting of Islamic Commercial Banks and Islamic Commercial Banks. Islamic People's Financing. In general, Islamic banks are banks whose operational activities are based on Islamic law, or banks that base their operational activities on interpreting the Qur'an and Hadith as the basis for Islamic law. It is stated that according to Law Number 21 of 2008 concerning Islamic Banking, in Article 1 number 12, the basis of Islamic faith for bank operations is a fatwa issued by an institution authorized to issue fatwas in the field of Islamic banking. The National Sharia Council confirms that murabahah sales and purchase transactions, whether in cash or installments, with the terms and conditions being met, are financed under a murabahah contract at a Sharia bank in terms of determining profits by Sharia principles. In the Islamic banking system, there is always a need for collateral or a loan prepared with the understanding that every debtor must adhere to Islamic law, as previously explained to parents. Islamic banking allows customers to be more cooperative when purchasing goods on credit or cash.

Peran Pembiayaan Tepat Guna dan Pendampingan oleh Fasilitator bagi Usaha Nasabah Prasejahtera Produktif BTPN Syariah Wilayah Pacitan

One of the BTPN Syariah programs involves inviting students to act as accompanying facilitators to empower customers who receive appropriate financing from BTPN Syariah. The Appropriate Financing Program is a program that provides financing to a group of productive underprivileged women in an area who want to open a business or are currently running a business to improve the economic welfare of their families with the Wakalah Wal Murabahah agreement. The Bestee program was realized to improve the entrepreneurial abilities, knowledge, soft skills and hard skills of customers or productive underprivileged mothers so that the financing provided can be as useful as it should be. Apart from facilitators, mentoring must be accompanied by the use of the Bestee Application for independent learning. The research method used is a qualitative approach using descriptive methods. The results of this research prove that appropriate financing plays an important role in customers' businesses and the assistance provided by accompanying facilitators is proven to be able to empower customers to manage their businesses so that they increase further accompanied by the existence of appropriate financing by BTPN Syariah.

Analisis Perhitungan Margin Pembiayaan Pensiun di Bank Syariah Indonesia KCP Ambon

Calculation of Pension Financing Margin in the Murabahah Agreement. The type of research used is qualitative descriptive. The data collection techniques are observation, interviews, and documentation. The data analysis techniques used are data reduction, data presentation, and conclusion drawn. The results of the study show that the procedure/scheme for pension financing for the murabahah contract starts from an application for the purchase of goods, then the transfer of ownership directly from the supplier to the Bank. Payment is made by the Bank directly to the supplier, the customer will receive goods and documents from the supplier after entering a murabahah contract agreement with the bank, the customer pays in installments to the bank. The calculation of the margin for financing the retirement of the murabahah contract uses the flat method where from the beginning of financing to the end of financing the same installment and the margin profit is flat where it is determined at the time of the contract until the end of the installment time

Legal Consequences in Murabahah Agreement Litigation Dispute Resolution: Analysis of Forum Choice Clauses in District Courts

The development of Islamic banking in Indonesia, with the Murabahah financing contract dominating, is not free from disputes among the parties involved. Dispute resolution can be settled out of court (non-litigation), one of which can be through the National Sharia Arbitration Board (Basyarnas) and through the Religious Courts (litigation). Legislation has regulated the absolute authority of the institution responsible for litigation dispute resolution through Article 49 letter (i) of Law Number 3 of 2006, as amended in Law Number 50 of 2009 Regarding the Second Amendment of Law Number 7 of 1989 and Article 55 paragraph (1) of Law Number 21 of 2008 Regarding Islamic Banking, namely the Religious Court. A conflict of norms appears in the Murabahah financing contract, which still includes a clause for dispute resolution litigation in the District Court. This raises the first issue formulation regarding what the legal consequences are for the parties in the Murabahah financing contract with the choice of forum clause in the District Court when resolving litigation disputes and what choice of forum clause is stipulated in the Murabahah financing contract to provide a balanced position for the parties when resolving litigation disputes.

Analisis Penerapan Akad Murabahah Di Bank Syariah Indonesia (BSI) KCP Medan Sukaramai

The implementation of the Murabahah agreement at Bank Syariah Indonesia (BSI) KCP Medan Sukaramai is the focus of this research. The aim of the research is to analyze the process of implementing the Murabahah contract, identify the obstacles faced, and initiate efforts to overcome these obstacles. The research method used is a qualitative descriptive method with data collection techniques through in-depth interviews. Respondents consisted of bank managers, bank employees and customers involved in transactions using Murabahah contracts. Data analysis was carried out taking into account relevant sharia principles. The research results show that the implementation of the Murabahah contract at BSI KCP Medan Sukaramai has been carried out carefully and structured in accordance with sharia principles. However, the obstacles faced include a lack of customer understanding of sharia principles as well as differences in understanding between customers and bank officers. Efforts made by banks to overcome these obstacles include increasing education for customers and regular training for bank officers. This research contributes to the understanding of Murabahah contract practices in the sharia banking sector, as well as offering recommendations for banks to increase the effectiveness and efficiency of implementing Murabahah contracts. In addition, it is hoped that this research can provide customers with a better understanding of sharia principles in financial transactions.

ANALYSIS OF FACTORS IN THE INTEREST OF KSPPS BINAMA MEMBERS IN CHOOSING MURABAHAH AGREEMENT FINANCING

The aim of this research is to identify the factors that influence members in choosing murabahah financing. This type of research uses qualitative research with a case study approach. Collecting the data produced in this research, the author conducted interviews with members and employees of the financing services office regarding the factors that influence a member to choose financing with a murabahah agreement. Based on the results of research that has been carried out, there are several factors that influence a member to choose murabahah financing, namely the financing factor in accordance with Islamic sharia, the factor that is cheaper than leasing, the trust factor. Based on the financing arrangements conducted for the implementation of the murabahah contract at KSPPS BINAMA Magelang Branch, it can be inferred that the institution plays a multifaceted role as a sharia-based cooperative, distributing financing to communities utilizing murabahah agreements while also serving as a financing provider and member companion. This is evidenced by member testimonials affirming the efficacy of KSPPS BINAMA's lending activities in supporting MSME development and meeting their needs, coupled with the commendable and amicable service provided by the cooperative.

Implementation of the Murabahah Agreement in Financing Pension Funds at Bank Syariah Indonesia RFO Bandung

Islamic banks are financial institutions that mediate the liquidity needs of society through various products and services. Islamic banking products are increasingly developing and competitive, including pension financing products, namely consumer financing which is only offered to retired workers (PNS, BUMN or BUMD) or retired widows. Pension financing is a low-risk type of financing. The evolution of BSI RFO Bandung pension fund customers has had its ups and downs. In this research, the problem is formulated how the pension financing mechanism is at BSI RFO Bandung and how is the implementation of the Murabahah contract in pension financing at BSI RFO Bandung. The purpose of this study is to describe the pension financing mechanism at BSI RFO Bandung and describe the application of a murabaha contract in pension financing at BSI RFO Bandung. bank, data checking/verification of data to obtain correctness of data completeness, field surveys with the 5C principle, evaluation of financing needs and decisions, execution of contracts and binding of collateral, and disbursement of financing. This study also found that the murabaha contract process for pension financing products is in accordance with the fatwa of the National Sharia Council (DSN) of the Indonesian Ulema Council (MUI) No: 04/DSNMUI/IV/2000, concerning general provisions for murabahah financing and several provisions related to implementation and standard SOPs. murabahah financing by the Financial Services Authority.

ANALYSIS OF MURABAHAH FINANCING FOR GOLD INSTALLMENT PRODUCT AT BANK SYARIAH INDONESIA BRANCH OFFICE MAGELANG GATOT SUBROTO

This study aims to investigate the implementation of Murabahah financing, the challenges encountered in implementing Murabahah financing, and the strategies employed to overcome these obstacles at Bank Syariah Indonesia Magelang Gatot Subroto Sub-Branch Office. The research utilizes both secondary and primary data, with data collection techniques including interviews. The study adopts a qualitative research approach. The findings reveal that the Murabahah Agreement is established when a customer wishes to purchase gold from the bank in installments over an agreed period of time. The term "gold installments" is used to market the bank's gold installment financing products to customers. The bank will order the desired type of gold from PT. ANTAM once the customer's installments are fully paid. The bank then delivers the goods or gold to the customer in accordance with the initial agreement stated in the contract. This practice is implemented by the bank to mitigate potential risks. The challenges faced by Bank Syariah Indonesia at Magelang Gatot Subroto Sub-Branch Office involve promoting gold installment products. To address these challenges, the marketing team must regularly update the gold installment brochure using social media or other promotional platforms to enhance effectiveness. This is crucial due to the daily fluctuations in gold prices. The bank undertakes these efforts to ensure that customers are constantly informed about the latest gold price percentages

ANALISIS FATWA DSN-MUI TENTANG AKAD MURABAHAH DALAM PENERAPAN HAK MILIK (BANK SUMUT SYARIAH PERDAGANGAN)

The issue of this investigation lies in the Murabahah agreement in the implementation of property rights as regulated in DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 concerning Murabahah. The Murabahah fatwa states: "The bank purchases goods needed by its customers on behalf of itself, and the purchase is legal and free from usury. "In fact, banks as sellers give their customers the freedom to buy goods." The aim of this research is to find out whether the implementation of the Murabahah contract at PT Bank Sumut Syariah Capem Trading is in accordance with DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 concerning Murabahah. The type of research used in this research is field research, the research approach used in this research is qualitative research, and the data collection methods are observation, interviews and documentation. In analyzing the application of property rights in Murabahah contracts at PT. Bank Sumut Syariah Capem Trading considers that if a Murabahah object legally becomes the property of Bank Sumut, then a Murabahah agreement is entered into with the customer and the previous bank. Murabahah ownership of the object belonging to it is transferred and then becomes the property of the customer. This is of course in accordance with the DSN-MUI fatwa number 04/DSN-MUI/IV/2000 concerning Murabahah.

CRITICAL STUDY OF NATIONAL SHARIA COUNCIL FATWAS RELATED TO BUYBACK TRANSACTIONS ON GOLD SAVINGS PRODUCTS

This research aims to understand the buyback transactions on gold savings at Pawnshop Sharia CPS Ayani Pontianak and to comprehend the compliance of buyback transactions on gold savings at Pawnshop Sharia CPS Ayani Pontianak with the provisions of the DSN-MUI Fatwa No.04 of 2000 and the DSN-MUI Fatwa of 2017. This study falls under normative-empirical research with a qualitative method and a descriptive approach. The data sources include primary data from interviews with staff and customers, and secondary data from the DSN-MUI Fatwa No. 04 of 2000 on Murabahah and the DSN-MUI Fatwa No.111 of 2017 on Murabahah Agreement. Data collection techniques involve observation, interviews, and documentation. The data analysis is conducted through data collection, data reduction, data presentation, and drawing conclusions. The authenticity of the data is examined through triangulation and member checking. The results of this research indicate three conclusions: 1) Buyback transactions on gold savings products at Pawnshop Sharia CPS Ayani are inclined to follow the pattern of "sell, without printing, buy"; 2) Gold savings and buyback on gold savings do not fully meet the conditions of the murabahah contract, thus it is more appropriately described as a sales contract rather than a murabahah contract; 3) Gold savings and buyback on gold savings products at Pawnshop Sharia CPS Ayani Pontianak still do not comply with the DSN-MUI Fatwa No. 04 of 2000, the DSN-MUI Fatwa No. 111 of 2017, and the Opinion of DPS No.4 of 2015, potentially causing uncertainty (garar).

Juridical Basis of Murabahah Bil Wakalah Contracts at Islamic Banks

The wakalah agreement that appears in financing schemes in Islamic banks becomes a series with the murabahah agreement. This series of contracts then appears in financing in the form of a murabahah bil wakalah contract. The specific purpose of this research is to find out and analyze the juridical basis of the murabahah bil wakalah contract in positive law and Islamic Law in Indonesia. This research is categorized as legal research with a normative juridical method. The normative juridical approach used is the statute approach. The data collection method in this research uses cross methods, namely literature study, observation and interviews, according to the types and sources of data needed. Until now, there are no rules governing murabahah bil wakalah as a unit in Islamic bank financing products, both rules in positive law and Islamic law in Fatwa DSN MUI. Therefore, the juridical basis for murabahah bil wakalah financing comes from the juridical basis for each murabahah contract and wakalah contract, whether from the Law, Regulations of the Financial Services Authority of the Republic of Indonesia, or other laws and regulations, as well as Fatwa DSN MUI.

Application of Murabahah Agreement in Griya Takeover Financing (Case Study at BSI Sub Branch Office Kuta)

Griya Takeover Financing is one of the financing companies owned by BSI KCP Kuta to meet customers' financial needs. However, this financing often encounters problems in the takeover process. The aims of this study are: to find out the factors that lead to a murabahah contract in the financing of a takeover griya at BSI KCP Kuta and to find out the process of financing the griya takeover at BSI KCP Kuta. The research method used is a descriptive qualitative method with data collection techniques through observation, interviews, and documentation. The data analysis technique used is the Miles and Huberman model, which includes data collection, data reduction, data presentation, and data verification. data validity technique with the triangulation technique. The results of the study found: 1) There are factors that cause a murabaha contract to occur, namely the presence of the object of the contract; 2) The murabaha contract process by submitting asset documents to the consumer as a sign of consent qabul with the consumer. And financing for takeover houses that are free from usury in accordance with the Fatwa of the National Sharia Council, MUI No.04/DSN-MUI/IV/2000, dated April 1, 2000, conceming murabaha.; 3) The process of financing takeover housing includes BSI having the terms and benefits of financing takeover housing. To attract consumer, as well as with light installments, one of the benefits of takeover financing at BSI is that consumers still feel able to meet other needs.

Pengaruh Pembiayaan Mitraguna Berkah Dengan Akad Murabahah Terhadap Kesejahteraan Pegawai Negeri Sipil Kabupaten Aceh Singkil

Banking institutions have the function of collecting and distributing public funds, with reference to the BSI KCP Singkil bank with a sharia system that uses a murabaha contract, so that the existence of partner-to-blessing financing as a welfare effort for Civil Servants (PNS), causes controversy with the concept of conventional banks with a system interest with its murabahah concept. This study aims to determine the financing of Mitraguna Blessing with a murabaha contract for the welfare of Civil Servants (PNS) of Aceh Singkil Regency in Islamic banking. This research is a type of field research (field research) which is descriptive qualitative, data collection using interview techniques Bank BSI KCP Singkil. The results of this study: 1). Most customers from civil servants in Aceh Singkil district take out the BSI Singkil blessing partnership financing with the aim of improving their lives, such as building a place of business, buying garden land, building a house, renovating a place of business or renovating a house and buying a vehicle. 2). Mitraguna Berkah Financing with a Murabahah Agreement Bank Syariah Indonesia, Tbk. for civil servants at the stage of the disbursement process, the use of this murabaha contract is in accordance with the legal basis both in sharia and positive law.

Sistem Pembiayaan KPR Sejahtera Fasilitas Liquiditas Pembiayaan Perumahan (FLPP) Dengan Akad Murabahah Bagi Masyarakat Berpenghasilan Rendah (MBR)

The study aims to determine the suitability of the Prosperous KPR Financing System Housing Financing Liquidity Facility (FLPP) for Low-Income Communities (MBR) with a Murabahah Agreement at PT. Bank Syariah Indonesia kcp abdullah bin Nuh Abn 1 Cianjur with DSN-MUI/IV/2000 Fatwa. Data collection techniques using Participatory Observation interviews, documentary studies, triangulation, secondary data and primary data. The result of this study indicate that PT. Bank Syariah Indonesia KCP Abdullah bin nuh cianjur does not fully reflect the fatwa form the national sharia council No:04/SN-MUI IV/2000 concering murabaha.The violation occurred in term of ownership of goods (milkiyah) in the third point, namely the bank should buy goods needed by the costumer on behalf of thebank itself, but in practice the bank bus onbehalf pn the costumer and back completes the murabhah contract first to the new customer to enter ito a wakalah contract.

Implementation of the MSME Micro Financing Strategy Through a Murabahah Agreement at BSI KCP Bangkalan Trunojoyo

<p align="justify">This study analyzes murabahah financing to help ease the burden on customers and promote MSME businesses. In general, murabahah financing is given to customers for short-term financing to meet the needs of an item needed by the community. This research method uses a qualitative approach, namely research that describes events and all matters related to circumstances based on facts found in the field. This study uses primary and secondary data with data collection methods through observation and interviews. The findings from this study indicate that the strategy implemented by BSI KCP Trunojoyo Bangkalan can solve the problem, namely through Rescheduling, Reconditioning, and Restructuring. Management assistance, Novation (AYDA), subrogation, inclusion, liquidation under the hands of HT/FEO execution auctions, auction via court, execution auction via Basyarnas, execution auction via court.</p>

Penyelesaian Wanprestasi oleh Nasabah dalam Akad Murabahah pada Kredit Pemilikan Rumah Syariah di Bank Muamalat Cabang Surabaya

In this writing, this study aims to determine the implementation of the murabahah contract on sharia home ownership loans and the settlement of defaults made by customers in the murabahah agreement for sharia home ownership loans at Bank Muamalat Surabaya Branch. The source of this writing data was obtained from interviews with staff of Bank Muamalat Surabaya Branch, legislation, and various literatures. The author uses empirical juridical research methods, namely the type of sociological legal research and can be called field research, namely examining applicable legal provisions and what happens in reality in society. The house is an important basic need for humans for shelter and not a few people buy houses by KPR. In this paper, the implementation of the murabahah contract on home ownership loans is carried out in several stages from the submission stage to the approval of the disbursement of funds. However, in the mortgage financing provided by Bank Muamalat, problems often arise, namely defaults by customers. Settlement of the default is carried out with non-litigation efforts starting with the stage of issuing a warning letter, restructuring, and finally the auction process. In the process of resolving the default, there are still some people who do not understand. Therefore, the author conducted this writing to find out how the process of settlement of mortgage defaults by customers in a murabahah contract at Bank Muamalat Surabaya Branch.

Analisis Kepatuhan Syariah (Shariah Compliance) Produk Kredit Perumahan Rakyat (KPR) dengan Akad Murabahah pada Bank Sumut Kantor Cabang Syariah Medan

This research is entitled Study of Sharia Compliance in Public Housing Loan Products (KPR) with Murabahah Agreement at Bank Sumut, Medan Sharia Branch Office. Shariah Compliance can simply be interpreted as a form of obedience carried out by Islamic banks in fulfilling existing sharia principles in all aspects of their operational activities. This is the difference between Islamic banks and conventional banks.People's Housing Credit (KPR) is a facility provided by banks to customers who wish to have a place to live (home). In general, mortgages in Islamic banks use a lot of murabahah contracts. Murabahah itself means a sale and purchase agreement made between two parties, namely the bank and the customer. Which is where the Islamic bank will buy the house that the customer wants and then sell it to the customer at a cost plus a profit margin that has been mutually agreed upon.The method used in this research is descriptive qualitative. Data obtained from the results of observations and documentation on the bank directly. This study aims to see how to provide Murabahah mortgage financing and the extent of sharia compliance with Murabahah mortgage products at Bank Sumut Syariah Medan Branch Office.

Analisis Prinsip Nisbah dalam Pembiayaan Murabahah di Bank BSI KCP Lauser

The phenomenon of murabahah financing is a contract based on buying and selling between the bank and the customer. Where the bank is the party that provides goods and sells them to customers by ordering goods to be purchased by customers. This study aims to examine and discuss the Indonesian Sharia Bank (BSI) KCP Lauser which estimates the profit earned so that it affects the ratio to be distributed. This study also discusses the ratio mechanism in murabahah financing at Bank Syariah Indonesia KCP Lauser. Then, discuss the implementation of the principles of profit-sharing ratio in murabahah financing by BSI KCP Lauser. The research method used is descriptive analysis method, which analyzes and presents facts about the implementation of the distribution of murabahah ratios carried out by Bank Syariah Indonesia KCP Lauser. This research was conducted to obtain primary sources of BSI KCP Lauser murabahah contract documents, murabahah financing tables and the results of interviews with the bank that performed the murabahah contract with the customer. The results of the study show that Bank Syariah Indonesia (BSI) KCP Lauser estimates the ratio to the bank's income, where the profit is based on the murabahah agreement agreed at the beginning of the agreement. Where the implementation is by buying and selling on murabahah, the bank will divide the margin. In general, the murabahah ratio at Bank Syariah Indonesia (BSI) KCP Lauser is appropriate because the provision of financing is based on a contract, the bank negotiates with the provider regarding the terms and conditions that will be used as the basis by the bank, the bank also makes an agreement with the customer. Then, BSI is also the executor of the offer, and on the date of delivery of assets the customer must submit a Murabahah Declaration, and the BANK will declare acceptance of the offer by signing the Murabahah Declaration and submitting it to the customer. Therefore, the ratio of Murabahah is very appropriate at BSI KCP Lauser. The murabahah financing mechanism at BSI KCP Lauser, the financing is not like conventional banks in general which lend money to customers. However, in this Islamic bank, according to customer needs.

Implementation of Sharia Principles in Murabahah Contracts at KCP Bank Muamalat

AbstractPurpose – The purpose of this research is to educate the form of contract used by Bank Muamalat KCP Kisaran. Specifically examining how the application of sharia principles to murabah financing contracts at Bank Muamalat KCP Kisaran.Methodology - This research method is qualitative by processing data from sources of documentation, interviews, field observations, and literature which is carried out by descriptive analysis.Findings - This study has the result that the form of the murabahah financing product contract at Bank Muamalat KCP Kisaran is based on the provisions of the Sharia Banking Law, Bank Indonesia, and the DSN-MUI Fatwa. Then, in the murabahah financing contract at Bank Muamalat Kota Kisaran, sharia principles are applied, including the absence of usury elements, no maisir, garar, haram, and unjust elements.Keywords: Murabahah Agreement, Bank Muammalat, Financing Products