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Sa'diyah, Diah Siti
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Humanities Economics, Econometrics & Finance Social Sciences

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PELAKSANAAN AKAD WAKALAH DALAM PEMBIAYAAN MURABAHAH DI BANK SYARIAH MANDIRI KCP JATINANGOR Fadilah, Febrianti Nurul; Sa'diyah, Diah Siti
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 6 No. 2 (2019): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v6i2.9642

Abstract

ABSTRACT The implementation of the Wakalah contract in Murabahah Financing at BSM KCP Jatinangor Office in micro-financing products, namely where the bank fully surrenders the customers to customers appointed by the Bank as representatives of the Bank to purchase goods in accordance with agreements in the form of transferred funds posted in form of bank account in the name of the customer. The purpose of this study was to determine, 1) Implementation of wakalah contract in murabahah financing in BSM KCP Jatinangor, 2) Consideration of banks on the implementation of wakalah contract in murabahah financing at BSM KCP Jatinangor, and 3) Overview of Sharia Economic Law on the implementation of wakalah in murabahah financing at BSM KCP Jatinangor. This framework of thinking starts from must be done on the basis of liking by fulfilling the values of justice. As for the transaction, there must be terms and conditions that must be fulfilled in accordance with sharia principles, so as not to cause harm and harm to one party. The approach method used in this writing is descriptive method, which describes the objective conditions and analyzes the collected data. The type of data used in this study is qualitative. The technique used is by way of observation, interviews, literature studies that relate to this research. Based on the results of the study the authors conclude as follows: (1) Implementation of wakalah contract in murabahah financing in BSM KCP Jatinangor on this microfinance product to attract public interest in order to increase customer loyalty to banks considering BSM KCP Jatinangor was established in education. (2) Considering that the bank is not a provider of goods or shops, the bank hereby authorizes the customer to act as a representative of the bank to purchase goods according to specifications, conditions and prices approved by the Bank. (3) There appears to be negligence carried out by the Bank in the implementation of the Wakalah agreement in murabahah financing in BSM KCP Jatinangor Finally it can be concluded that the implementation of the wakalah contract in murabahah financing is in accordance with the Sharia Economic Law in terms of contract and principle. However, it is not fulfilled in principle, namely the principle of prudence by the Bank and customers who are not involved in financing.
MEKANISME LETTER OF CREDIT SYARIAH DI PT BANK BNI SYARIAH Yutika, Meisa; Sa'diyah, Diah Siti
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2018): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v5i1.9654

Abstract

The existence of the changing times, demanding a State of international relations in order to support economic development. One form of international relations, namely business and international trade. one of the first in the international payment system is to use a letter of credit (LC) on the banking service product. LC Sharia is a product that is adopted from Conventional Banking products. However, until now, has not found the regulation governing implementation mechanisms explicitly Sharia LC in Indonesia. Therefore, the need for research on the mechanism of LC in the Islamic Penbankan In Indonesia. The purpose of this research was: 1) To compare the mechanism of implementation of the LC in Islamic banks and Conventional Banks, as well as looking for the difference between the two; 2) To know the regulations used in regulating Islamic Bank Sharia LC; 3) Mechanism to find out the views of the economic law of the Sharia (HES) against Sharia in LC mechanism Islamic banking in Indonesia.  The framework of thought from this research that is using rule jurisprudence mu'amalah "a" meaning originally mu'amalah can be done until there is evidence again outlaw. If the mechanism of implementation of the LC in Conventional Banks is relatively the same as the mechanism of LC in Islamic banks, then the regulation mechanism of LC in Conventional Banks can be used as a regulatory mechanism of LC Sharia, as it is not contrary to the HES. Research methods used in this research is the juridical normative method, and using the conceptual approach and the approach of comparison. As for legal research in this unfamiliar term data but rather a source of law, After the legal materials collected the next step is to analyze the legal materials, described and meninjauanya from the viewpoint of HES, then pulled his conclusion. From the results of this research noted that basically the mechanism of implementation of the LC in Islamic banking in Indonesia (PT. Bank BNI Syariah) is not contrary to the HES. Although there has been no regulation which regulates clearly regarding the implementation of the Islamic Sharia and banking LC refers to the applicable regulation in banking Accounting i.e. UCP, but in practice there are some differences as in the Fund the arrears. Funds allocated for future delinquent Social Fund rather than to the operational funds of the bank, then it is not contrary to the HES.
Co-Authors Fadilah, Febrianti Nurul Yutika, Meisa