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All Journal At-Tawassuth: Jurnal Ekonomi Islam Jurnal Bisnis dan Manajemen (JURBISMAN)
Haikal Ramadhan
Universitas Islam Negeri Sultan Maulana Hasanuddin Banten
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Analisis Kepatuhan Syariah Terhadap Larangan Riba dan Gharar Pada Produk Pembiayaan Murabahah di Bank Syariah Indonesia Rizqina Faraaj; Muthia Ghassanie Julaeha; Haikal Ramadhan; Dera Meliana; Rina Khoirunnisa; Muhammad Zacky Alvian
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. XI | No. 1 | 2026
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v0i1.28992

Abstract

The development of the Islamic banking industry in Indonesia has experienced significant growth along with growing public awareness of the importance of financial transactions in accordance with sharia principles. One of the most frequently used financing methods in Islamic banking is the murabahah contract. However, in its implementation, concerns remain regarding the potential for usury and gharar elements that could affect the level of sharia compliance in this type of financing. This study aims to analyze the implementation of the murabahah contract and assess sharia compliance in preventing usury and gharar in murabahah financing products at Indonesian Islamic banks. The approach used in this study was qualitative through a literature review. Data were collected from various secondary sources, including scientific articles, books on Islamic economics, fatwas from the National Sharia Council of the Indonesian Ulema Council (DSN-MUI), and regulations related to Islamic banking in Indonesia. Data analysis was conducted using a descriptive qualitative method to consider the suitability between the concept of muamalah fiqh and the practice of murabahah financing in Islamic financial institutions. The research results show that, in theory, the murabahah contract has been designed in accordance with Sharia law because it is based on a clear sale and purchase transaction in terms of the principal price and profit margin. However, in practice, several potential problems remain, such as the use of conventional interest rates as the basis for margins and the wakalah mechanism in purchasing goods, which can result in inconsistencies with the principle of bank ownership of goods. Therefore, it is necessary to strengthen Sharia supervision and increase transparency in the implementation of murabahah financing to ensure the principles of fairness, transaction clarity, and Sharia compliance.
Evaluasi Implementasi Asset Liability Management terhadap Risiko Likuiditas pada Bank Syariah Haikal Ramadhan; Ilham Rakha Aldias Ramadhan; Yani Aguspriyani
Jurnal Bisnis dan Manajemen (JURBISMAN) Vol. 4 No. 2 (2026): Jurnal Bisnis dan Manajemen (JURBISMAN)
Publisher : Penerbit dan Percetakan CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/jurbisman.v4i2.1568

Abstract

Penelitian ini bertujuan untuk mengevaluasi implementasi Asset Liability Management (ALMA) dalam mengelola risiko likuiditas pada bank syariah. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan studi literatur, melalui pengumpulan dan analisis berbagai sumber sekunder seperti jurnal, buku, dan laporan terkait. Hasil penelitian menunjukkan bahwa secara struktural penerapan ALMA di bank syariah telah berjalan dengan baik, ditandai dengan adanya kebijakan, penggunaan indikator likuiditas, serta pembentukan Asset Liability Committee (ALCO). Namun, secara fungsional implementasinya masih belum optimal karena cenderung bersifat reaktif, belum terintegrasi secara maksimal, serta menghadapi keterbatasan dalam sistem informasi dan kualitas data. Risiko likuiditas pada bank syariah tergolong kompleks akibat ketidaksesuaian jatuh tempo antara aset dan liabilitas, ketergantungan pada dana jangka pendek, serta keterbatasan instrumen keuangan syariah. Oleh karena itu, diperlukan penguatan dalam integrasi sistem, peningkatan kualitas manajemen risiko, serta penerapan pendekatan yang lebih proaktif agar ALMA dapat berfungsi secara efektif dalam menjaga stabilitas likuiditas bank syariah.
Co-Authors Dera Meliana Ilham Rakha Aldias Ramadhan Muhammad Zacky Alvian Muthia Ghassanie Julaeha Rina Khoirunnisa Rizqina Faraaj Yani Aguspriyani