Murabahah Agreement Research Articles

Implementasi Akad Murabahah Pada Pembiayaan Rumah Non Bank Di Puri Nirana Cigelam Purwakarta

This study discusses how to determine the Margin Murabaha in the purchase or financing agreement, what constraints faced in the determination of Margin, what efforts are made in the implementation of Murabahah agreement on the financing of non-bank housing and how the consumer response to the application of murabahah contract in Puri Nirana Cigelam. This research uses descriptive qualitative method by using primary data and secondary data. The result of the research shows that margin acceptance in murabahah agreement based on agreement, the agreement is 10%, in reality the margin obtained in every year is less than 10%. There is no constraint in determining the margin in the murabaha scheme that has been implemented in Puri Nirana Cigelam, Murabahah scheme implementation in the financing of non-bank house in Puri Nirana Cigelam is signing the agreement of both parties between the developers who sell the house and the consumer who bought the house with the clarity of price and payment flat as well as the margin or profit setting that both parties agree on. Consumer response to the implementation of murabahah agreement in Puri Nirana Cigelam castle that many agree and good, average, so the existence of Puri Nirana Cigelam, akad applied in Puri Nirana Cigelam, Islamic Concepts and Value Syari'ah and facilities provided by the PNC is the reason consumers choose to buy housing in Puri Nirana Cigelam.

Analisis Hukum Ekonomi Syariah Terhadap Penerapan Akad Murabahah pada Pembiayaan Pendidikan (Studi Kasus Unit Jasa Keuangan Syariah (UJKS) Annuqayah Guluk-Guluk Sumenep Jawa Timur)

AbstractIn either sharia banking or non-banking institutions, murabahah contract becomes an integral part of other products. Murabahah akad is a contract of sale and purchase of goods between a bank and a customer, which the bank notifies a cost of goods and increase the mutually agreed benefits. While the Educational Murabahah Akad in UJKS Annuqayah refers to the UJKS Annuqayah provides goods that support the learning process of education, such as needs of motorcycles, laptops, books and LCD projectors, and its payments was payed in installments and the UJKS Annuqayah do not add profit.In this study, the problems were as follows: first, what is the meaning of murabahah contract and the types of murabahah contract in the UJKS Annuqayah, second, how is the implementation of murabahah contract on education financing in the UJKS Annuqayah, third how is the review of Islamic economic law against murabahah agreement on education financing in the UJKS Annuqayah. While the purposes of were to understand and to describe akad murabaha on financing education in the UJKS Annuqayah, to understand the application of murabaha education, to understand and to describe the perspective of Islamic economic law towards the application of murabahah akad on education in the UJKS Annuqayah.The method used qualitative descriptive with field research approach, which is the study examined the theories that have been developed in the field of science related to the problems, looked for methods and research techniques both in collecting data and analyzing research that has been used by former researcher. The data was analyzed by using deductive theory. While the key informant was the director of UJKS Annuqayah, and the supporting informants were the head office of UJKS Annuqayah, the head office of women's payment point, the financing section, the payment section and the teller of UJKS Annuqayah.The results showed that the UJKS Annuqayah has 3 murabaha products; the murabahah business, the murabahah basic needs and the murabaha education. In murabahah education financing, the UJKS Annuqayah do not get a profit, but the UJKS gets cashback from deller divided between the UJKS Annuqayah and customer. According to the review of Islamic economic law, it is permissible because it is in accordance with Islamic legal principles based on the Imam Syafi'ie perspective and implemented with the principles of justice, no despotic action, mutual agreement and transparency on management. This is justified by Islam because it is spared of riba and gharar. Keywords : murabahah akad, education financing, UJKS Annuqayah

REKONSTRUKSI AKAD MURABAHAH (STUDI AKAD MURABAHAH DI BMT SM NU PEKALONGAN)

<p><em>This research tries to answer the question on how the implementation of akad murabahah (murabahah agreement) in BMT NU Pekalongan? Is there any requirement which possibly violating the agreement? And how is the solution so that the agreement complies with syari’ah? This is a descriptive qualitative research. Both primary and secondary data were collected through documentation. Data were analyzed in three steps: reduction, display and verification. Result shows that: 1. There are two kinds of agreement of murabahah in BMT NU Pekalongan: with wakalah and without wakalah. The implementation of murabahah in BMT NUPekalongan is complicated in its contract. There are at least four kinds of agreements, namely: murabahah loan, rent agreement, ijarah contract, and loan. 2. In the murabahah agreement with wakalah, there is some requirement which is not complied with shari’ah namely fake transaction. 3. There are two alternative of agreement reconstruction so the requirements are complied with shari’ah. </em></p>

IMPLEMENTASI PERJANJIAN PEMBIAYAAN JUAL BELI (MURABAHAH) DI BANK NEGARA INDONESIA ( BNI ) SYARIAH CABANG SEMARANG

One form of financing agreement provided by Bank BNI Sharia is murabahah, which is a form of trust and sale of certain goods, between banks and customers. The bank buys the required item and sells it to the respective customer at the cost of the acquisition plus the agreed benefit. The purpose of this study entitled Implementation of Sale and Purchase Agreement (murabahah) in Bank BNI Sharia Branch Semarang is to find out how the procedures and requirements in the implementation of Buy and sell Financing Agreement (murabaha) at Bank BNI Sharia Branch Semarang and problems often faced in Murabahah Financing Agreement as well as efforts to overcome the problem of Implementation of Murabahah Financing Agreement at Bank BNI Sharia Branch of Semarang. This research is a descriptive analysis using sociological juridical research methods and field research, based on the results of research concluded that the stages or procedures and requirements in Murabahah Financing Agreement at Bank BNI Sharia Branch Semarang is Application, Investigation, Financing Analysis, Letter of Agreement on Financing Agreement, Signing of Murabahah Agreement, Withdrawal, Installment Calculation, Installment Payment and Repayment. In the implementation of the Murabahah Financing Agreement, Bank BNI Sharia often faces several problems, especially in terms of murabahah financing for houses / property, based on observations the authors conclude there are some weaknesses or difficulties that become problem in murabahah financing, that is in terms of Human Resources (HR) and the provisions of the National Sharia Council Fatwa. BNI Sharia Bank's efforts to solve a problem when one party does not fulfill its obligations, BNI Sharia Bank applies its settlement clause by way of deliberation and kinship, if in the above manner can not reach agreement, then the final effort is settled through local District Court. It is suggested to Bank BNI Sharia to distribute murabahah financing always pay attention to applicable law. If the murabahah financing is not able to comply with the applicable law, then this murabahah product should not be marketed temporarily pending the issuance of new regulations that support the implementation of this murabahah product. Keywords: Murabahah Agreement, PT. Bank BNI Sharia Branch Semarang

MURABAHAH (Prinsip dan Mekanismenya Dalam Perbankan Islam)

Abstract: This paper will discuss the mechanism of murabahah agreement and application in Islamic banking, and compare murabahah finance with fixed interest to banks in several key areas. Islamic banks have used murabahah agreements in financing activities through merchandise and expanded their network of uses. Murabahah finance and higher credit prices therein clearly indicate that there is a time value in financing based on murabahah, which leads though not directly to the acceptance of the time value of money.