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All Journal Jurnal Sahabat ISNU SU
Manswab Mahsen Abdulrahman
Islamic University in Uganda
Religion Humanities Law, Crime, Criminology & Criminal Justice

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Analysis of the Application of Murabahah Contracts in Financing at the Rantau Prapat Branch of Sharia Bank Manswab Mahsen Abdulrahman; Damia Hadifa; Suci Salsabila Lubis; Sultan Rayhan Adinata; Lidya Nailah Winanda
Jurnal Sahabat ISNU SU Vol. 2 No. 3 (2025): ISNU Sahabat Desember 2025
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/jsisnu.v2i3.890

Abstract

Murabahah contract is a financing contract where the bank as the seller states the acquisition price of the goods and takes a profit margin agreed upon with the customer. The problem formulation in this study includes (1) How is the regulation of financing implementation using the murabahah contract from an Islamic legal perspective at the Rantau Prapat branch of Bank Syariah Indonesia. (2) How is the implementation of murabahah at the bank in accordance with sharia principles? (3) How are the solutions to internal and external obstacles in the implementation of murabahah financing? The results of the study indicate that the regulation of the implementation of the murabahah contract in the Indonesian sharia sector follows the provisions of the fatwa of the National Sharia Council of the Indonesian Ulema Council Number DSN-MUI NO.04/DSN-MUI/IV/2000. Murabahah financing is used to finance customer business needs. Such as working capital, investment, people's business credit (KUR). As well as financing for the medium and main categories. Obstacles faced include late payments from customers and submission of false or invalid documents. The solutions implemented include a more precise evaluation of the eligibility of prospective customers and increased education regarding payment obligations.
Analysis of Food Buying and Selling with the All You Can Eat System: An Approach from the Perspective of Scholars Sheikh Shalih Al-Fauzan & Sheikh Ibn Utsaimin Manswab Mahsen Abdulrahman; Hilman Fauzi Lubis hilman; M. Husein Syuhada Tarigan Husein; Fitria Amania; Yasyifa Rizqi
Jurnal Sahabat ISNU SU Vol. 1 No. 3 (2024): ISNU Sahabat Desember 2024
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/jsisnu.v1i3.489

Abstract

This study aims to analyze the practice of buying and selling food using the All You Can Eat (AYCE) system from an Islamic legal perspective, specifically according to the views of scholars Sheikh Shalih Al-Fauzan and Sheikh Ibn Uthaymeen. The AYCE system, which offers customers all-you-can-eat food at a fixed price, has become a trend in various restaurants, but has sparked debate regarding its suitability with the principles of Islamic fiqh. This study uses a qualitative approach with a literature review of fatwas and the opinions of the two scholars. The results of the analysis show that both scholars have views that focus on the aspects of fairness and ambiguity in transactions in the AYCE system. Sheikh Shalih Al-Fauzan emphasizes the importance of clarity in transactions and there are no elements that are detrimental to both parties, while Sheikh Ibn Uthaymeen believes that if there is an element of uncertainty in the amount of food consumed, the system could potentially contain elements of gharar (unclearness) which is prohibited in Islam. Therefore, the conclusion is that the practice of AYCE can be considered if it meets the principles of fairness and clarity of transactions according to Islamic law. This research is expected to provide further insight for business actors and the public in understanding the aspects of Islamic law related to modern food buying and selling practices.
Co-Authors Damia Hadifa Fitria Amania Hilman Fauzi Lubis hilman Lidya Nailah Winanda M. Husein Syuhada Tarigan Husein Suci Salsabila Lubis Sultan Rayhan Adinata Yasyifa Rizqi