Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Journal of Management and Innovation Entrepreneurship (JMIE)
Ahmad Khoiruddin Ismail
2Institut Agama Islam Khozinatul Ulum Blora
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences Other

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
AMBIGUITY BETWEEN MURABAHAH AND QARDH CONTRACTS IN THIRD-PARTY CREDIT TRANSACTIONS: A FIQH MUAMALAH STUDY Ahmad Khoiruddin Ismail; Muhammad Nabil
Journal of Management and Innovation Entrepreneurship (JMIE) Vol. 4 No. 1 (2026): October
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jmie.v4i1.4766

Abstract

This study examines contractual clarity and the legal status of payment differences in third-party credit purchases of electronic goods at Aji Elektronik 1 Kunduran from the perspective of fiqh muamalah. A qualitative normative-empirical approach was employed, using semi-structured interviews, observations, and document analysis involving four informants: one seller, one third party, and two buyers. The analysis considers wakalah, murabahah, and qardh, focusing on ownership, possession (qabd), risk allocation, and the basis of profit. Findings indicate an element of wakalah at the initial purchasing-request stage, whereas the subsequent payment relationship cannot definitively be classified as murabahah or qardh. The third party used personal funds to purchase goods delivered directly to the buyer, but ownership and possession before resale could not be sufficiently established. The absence of a written agreement further obscures the third party’s position and the legal basis of the Rp500,000 difference. Normatively, this difference may be a lawful murabahah margin if the third party lawfully owned and possessed the goods before resale. Conversely, an increment stipulated on funds advanced under qardh constitutes prohibited riba. The available evidence does not establish the validity of the difference as a murabahah margin. Businesses should therefore clarify the contract type, document transfers of ownership and possession, and disclose the basis of profit to reduce legal uncertainty and the risk of riba in third-party credit transactions
Co-Authors Muhammad Nabil