Pembiayaan Murabahah pada Perbankan Syariah dalam Perspektif Hukum di Indonesia
##plugins.themes.academic_pro.article.sidebar##
##plugins.themes.academic_pro.article.main##
Abstract
Murabahah financing is one of the Islamic banking products. This financing is done by entering into an agreement between the bank and the customer. Murabahah is the sale and purchase of goods at the original price with an additional agreed profit. The characteristic of murabahah is that the seller must notify the buyer of the purchase price of the product by stating the amount of profit. Murabaha can be done in two ways, namely by purchasing orders and without orders. The implementation of murabahah financing has a legal basis that refers to the Al-Quran, Al-Hadith and fatwas from the National Sharia Council as well as several other regulations related to the business activities of Islamic banks as Financial Intermediaries, namely collecting and distributing funds to the public. This research is a type of normative legal research, which is aimed only at written regulations and or statutory regulations, as well as expert opinions. Sources of data used come from the library (liberary research), such as books, court decisions and others. Meanwhile, the analysis used in this study uses qualitative methods, which describe quality data in the form of regular, systematic, logical, non-overlapping sentences.
##plugins.themes.academic_pro.article.details##
This work is licensed under a Creative Commons Attribution 4.0 International License.
Copyright:
- Author retains the copyright and grants the journal the right of first publication of the work simultaneously licensed under a Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Author is able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book) with the acknowledgment of its initial publication in this journal.
- Author is permitted and encouraged to post his/her 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 the published work (See The Effect of Open Access).
License:
-
Attribution — You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
-
No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.
You are free to:
- Share — copy and redistribute the material in any medium or format
- Adapt — remix, transform, and build upon the material for any purpose, even commercially.
This work is licensed under a Creative Commons Attribution 4.0 International License.
References
Ahmad supriyadi bank syariah dalam perspektif filosofis yuridis dan sosiologis bangsa indonesia.
https://journal.iainkudus.ac.id.vol. 1, 2017 hal.1
Akhmad Mujahidin, 2016, Hukum Perbankan Syariah. Jakarta: PT Rajawali Pers.
Andriani, G. F., & Halmawati. (2019). Pengaruh Bagi Hasil, Kelompok Acuan, Kepercayaan dan Budaya terhadap Minat
Menjadi Nasabah Bank Syariah. Jurnal Eksplorasi Akuntansi, 1(3), h. 1325
Andri Soemitra, 2009, Bank dan Lembaga Keuangan Syariah, Prenada Media, Jakarta.
Ascarya, Akad dan Produk Bank Syariah, Cet. Ke 5 Jakarta: PT Raja Grafindo Persada, 2015, h. 123
Budisantoso Totok, Triandaru Sigit. 2006. Bank dan Lembaga Keuangan Lain. Jakarta : Salemba Empat
Heri Sudarsono. 2003. Bank Dan Lembaga Keuangan Syariah (Diskripsi Dan Ilustrasi). Yogyakarta: Ekonisia
Ismail, Perbankan Syariah, Jakarta: Prenada media Group, 2011, h. 163
Jopie Jusuf, Analisi Kredit Untuk Credit (Account) Officer,2010. PT Gramedia Pustaka Utama, Jakarta, hal.6
Kasmir, Bank dan Lembaga Keuangan Lainnya, Jakarta: PT. Raja Grafindo Persada, 2002, Edisi Ke-6, Cet. Ke-6, h. 92
----------, Pemasaran Bank, PT. Raja Grafindo Persada tahun 2012, hal 9
-----------, Bank dan Lembaga Keuangan Lainnya,Jakarta: Rajawali Pers, 2013, h. 87
Kuncoro,Manajemen Perbankan, Teori dan Aplikasi ,2010 hal 68,
Muhammad, Manajemen Bank Syariah, Yogyakarta: UPP AMP YKPN, 2005, h. 304
Nur Rianto Al-Arif, Dasar-Dasar Pemasaran Bank Syariah, Bandung: Alfabeta, 2012, h. 42
Nur Rianto, Lembaga Keuangan Syariah Bandung: CV Pustaka Setia, 2012, 149.
Rachmadi Usman, 2001, Aspek-Aspek Hukum Perbankan Di Indonesia, PT. Gramedia Pustaka Utama, Jakarta
Rachmadi Usman, Fungsi Bank Syariah PT. Gramedia Pustaka Utama Jakarta ,2012:38.
Saeed Abdulah, Bank Islam dan Bunga: Studi Kritis Larangan Riba dan Interpretasi Kontemporer, Yogyakarta, Pustaka Pelajar, 2003.
--------, Bank Islam dan Bunga ,Yogyakarta: Pustaka Pelajar, 2004, 140.
Soegeng Wahyoedi Saparso, Loyalitas Nasabah Bank Syariah : Studi atas Religiusitas, Kualitas Layanan, Trust, dan Loyalitas, Yogyakarta: Deepublish Publisher, 2019, h .36
Surayya fadhilah nasution , Pembiayaan Murabahah pada Perbankan Syariah di Indonesia, At-tawassuth: jurnal ekonomi islam, volume vi no. 1 januari – juni 2021: 132 - 152
Undang-undang Negara Republik Indonesia nomor 10 tahun 1998 tanggal 10 November 1998 tentang perbankan
Undang-Undang Perbankan No. 10 Tahun 1998
Undang-Undang No 21 tahun 2008 pasal 1 ayat 7 tentang Perbankan syariah
Veithzal Rifai, Islamic Financial Management: teori, konsep, dan aplikasi: panduan praktis untuk lembaga keuangan, nasabah, praktisi, dan mahasiswa (Jakarta: RajaGrafindo Persada, 2008), 146-147.
Wangsawidjaja Z. Pembiayaan Bank Syariah. 2012 Hal 36. Jakarta. Kompas Gramedia.