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This Author published in this journals
All Journal Journal of Economic, Management, Business, Accounting Sustainability Multidisciplinary Journal of Religion and Social Sciences (MJRS)
Mulki Akhdan
Universitas Pahlawan Tuanku Tambusai
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Analisis Implementasi Akad Murabahah Dalam Pembiayaan Konsumtif Di Bank Syariah Mulki Akhdan; Mohd Winario; Mifta Hasda; Muhammad Syaipudin; Rifqil Khairi
Multidisciplinary Journal of Religion and Social Sciences Vol. 3 No. 3 (2026): Juli 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/mjrs.v3i3.554

Abstract

The development of Islamic financing in Indonesia has positioned the murabahah contract as the dominant instrument in consumer financing. However, its implementation still raises several issues related to ownership of goods, margin transparency, and potential procedural deviations. This study aims to evaluate the implementation of murabahah contracts in consumer financing within Islamic banking and to assess their compliance with Sharia principles and the provisions of the DSN-MUI Fatwa. The research employs a qualitative approach using an explanatory case study through literature review and normative analysis of regulations and operational practices. The findings indicate that, conceptually, murabahah contracts have been systematically implemented through mechanisms involving the bank’s purchase of goods, transparent margin determination, and installment payments agreed upon by both parties. Nevertheless, several challenges remain, including practices that tend to resemble conventional credit systems and the limited understanding of Sharia principles among some transaction participants. This study highlights the importance of strengthening Sharia supervision, improving customer literacy, and optimizing financing governance to ensure that murabahah contracts maintain integrity, fairness, and accountability within the Islamic financial system.
Pemikiran Ulama Kontemporer Tentang Distribusi Dalam Islam: Riview Literatur Kualitatif Mulki Akhdan; Mohd Winario; Rifqil Khairi
Journal of Economic, Management, Business, Accounting Sustainability Vol. 3 No. 1 (2026): Februari 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/joembas.v3i1.456

Abstract

Unequal distribution of wealth is a major problem in the modern economic system, contributing to increasing poverty and social injustice, including in Muslim societies. This situation emphasizes the urgency of examining the concept of distribution in Islamic economics as an alternative to a just economic system. This study aims to analyze the thoughts of contemporary Islamic scholars on distribution in Islam based on a qualitative literature review. The research method used is a qualitative approach using a literature review technique of the works of contemporary Islamic scholars and relevant scientific literature, analyzed using content analysis. The results indicate that contemporary Islamic scholars view distribution as a fundamental element of the Islamic economic system, oriented towards social justice and the welfare of the people. Distribution is implemented through the instruments of zakat (alms), infaq (donation), sadaqah (charity), waqf (endowment), inheritance systems, and the prohibition of exploitative economic practices, with the support of the state and society. This study recommends strengthening Islamic distribution institutions, optimizing the role of the state, and developing economic policies based on the maqāṣid al-shari'ah (objectives of the principles of sharia) so that the Islamic concept of distribution can be implemented effectively and relevantly in facing contemporary economic challenges.
Co-Authors Mifta Hasda Mohd. Winario Muhammad Syaipudin Rifqil Khairi