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All Journal El-Faqih : Jurnal Pemikiran dan Hukum Islam
Martavevi Azwar
Universitas Cendikia Abditama, Indonesia
Religion Humanities Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Kepatuhan Syariah dan Keadilan dalam Pembiayaan Kendaraan Berbasis Akad Murabahah pada Lembaga Pembiayaan Non-Bank Didi Suardi; Ajie Pangestu; Aisyah Defy R. Simatupang; Martavevi Azwar
El-Faqih : Jurnal Pemikiran dan Hukum Islam Vol. 12 No. 1 (2026): EL FAQIH
Publisher : Institut Agama Islam (IAI) Faqih Asy'ari Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58401/faqih.v12i1.2770

Abstract

This study analyzes the implementation of the Murabahah contract at BFI Finance Syariah Bogor, a non-bank Islamic finance institution, focusing on Sharia compliance and transactional fairness. Using a qualitative-descriptive and normative-legal approach, data were collected through interviews, observations, and document analysis. Findings indicate that the institution complies with the principle of al-milk qabla al-bai‘ and avoids riba by engaging in genuine sales transactions. However, limitations were identified in profit-margin transparency, centralized Sharia Supervisory Board (DPS) oversight, and customers’ limited understanding of Sharia principles. The policy of interest-free delay penalties reflects the values of ta‘āwun (cooperation) and iḥsān (benevolence), aligning with maqāṣid al-sharī‘ah objectives in protecting wealth and ensuring social justice. The study highlights the need for transformation from formal to value-based Sharia compliance through pre-contract education, decentralized supervision, and stronger ethical governance in Islamic finance.
Co-Authors Aisyah Defy R. Simatupang Ajie Pangestu Suardi, Didi