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All Journal JURNAL MAGISTER HUKUM UDAYANA Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Diponegoro Law Review UIR LAW REVIEW Jurnal Hukum Acara Perdata ADHAPER Jurnal Hukum Respublica Bina Hukum Lingkungan Jurnal Hukum Acara Perdata Unnes Law Journal Jurnal Ilmiah Wahana Pendidikan International Journal of Health, Economics, and Social Sciences (IJHESS) Jurnal Pahlawan Bina Hukum Lingkungan Jurnal Ilmu Hukum Eduvest - Journal of Universal Studies Innovative: Journal Of Social Science Research Priviet Social Sciences Journal Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora (JURRISH) Pandecta : Jurnal Penelitian Ilmu Hukum (Research Law Journal) Unnes Law Journal : Jurnal Hukum Universitas Negeri Semarang
Mardalena Hanifah
Universitas Riau
Religion Aerospace Engineering Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Neuroscience Public Health Social Sciences Other

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Journal : JURNAL MAGISTER HUKUM UDAYANA

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Akad Murabahah pada Pembiayaan Modal Usaha dalam Perspektif Hukum Ekonomi Syariah Hanifah, Mardalena; Pascadinianti, Meidana
Jurnal Magister Hukum Udayana (Udayana Master Law Journal) Vol 14 No 2 (2025)
Publisher : University of Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/JMHU.2025.v14.i02.p16

Abstract

Murabahah financing is structured as a sale–purchase agreement in which the financier discloses its acquisition cost and agreed profit margin to the purchaser. In practice at PT Permodalan Nasional Madani Mekaar Syariah, however, funding is disbursed as cash rather than via the delivery of specific goods, raising questions about the fulfillment of shariah-mandated sale conditions. This study examines the implementation of the murabahah contract in Mekaar Syariah’s business-capital financing through a sociological, descriptive approach. Primary data were collected via in-depth interviews with branch managers, officers, and clients; secondary data were drawn from organizational documents and DSN-MUI fatwas. Findings reveal that at the Kuantan Mudik branch, financing is provided in monetary form prior to any actual acquisition or transfer of goods, thereby failing to satisfy the essential sale elements prescribed by Islamic law and DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000. Although clients are formally authorized under a wakalah (agency) arrangement to purchase assets for their enterprises, many divert funds to non-productive, consumptive expenditures. The murabahah contract is executed only at disbursement, concurrently with a wakalah contract, without subsequent verification of goods procurement or ownership transfer.These practices contravene the fundamental requirements of murabahah, namely, the existence of a tangible asset, pre-contract negotiation of profit margin, and clear transfer of ownership. To align Mekaar Syariah’s operations with shariah principles, the institution must strengthen its operational protocols and internal controls, ensuring that financing transactions genuinely reflect a sale, purchase of specified goods
Co-Authors ', Agen ', Firdaus , Dasrol Abdul Ghafur Afrian, Muhammad Eddo AKMI AZRIANTI Anak Agung Istri Sri Wiadnyani Ananda Fernando Putra Ananda Jelita Putri Anandadhea Putricharina Andrikasmi, Sukamarriko Anggun Pratiwi Aprilian Saputra ASIKA EUNIKE SORMIN Asrini Juniati Gultom Azalia, Ashila Devta Aziza, Mutia Sakiyah Bunga Primatania Darnia, Meriza Elpha Derisma Wulandari Desy Aulia Ulfa Siregar Edy Putra Tambunan, Edy Putra Emilda Firdaus Erda Rahmayanti Sitinjak ERIZA, NOVI Esrahethi S, Esrahethi Fania Hanisa Sundjaya Geremy Joy N Gita Putri Candra Gusdiawan Gusdiawan Gusliana HB Harani Fitryan Harpami, Muhammad Ridho Hengki Firmanda Hidayat , Tengku Arif Ibnu Rahmat Dio IRWAN PARDEDE JIMMY FEBRYANTO SILITONGA Jordi Satria Nanda Kamilia Amirah Lestari Anggraeni M. Arbi Ubaidillah Marissa Illahi Putri Maryati Bachtiar Mayangsari, Endah Maylia Darwita Meidana Pascadinianti Mexsasai Indra Mia Safitri Mizanty, Novradiella Moch. H. Cahyana Maulana Moria Lastina Muhammad Adil, Muhammad Muhammad Zulhidayat Mulia Sixtriani Nadia Sanjaya Nathasya Nadia Fenandri, Nathasya Nadia Nexie Nurafifah Ngajulu Petrus Nina Haryati Novriawanda Novriawanda Nurahim Rasudin Nuraini Pane NURI JUMAIDAH AULIA Nurkamilah ' Nurvita, Nita Ovalia, Novia Pascadinianti, Meidana Pela Sapira Putri Rahmadani Rachman, M. Yogi Rahmad Hendra Rahmat Septiadi Rahmi Febriani Rais, Amin Redha Rahayu Rezky Yarman Ricky Musliadi Rika Lestari Ririn Erida Hutagaol, Ririn Erida Riska Fitriani Risti Febiawati Rozi Oktri Novika Rusdah Cia, Rusdah safitri, fira Sandy, Ferri Santy Dewi, Santy Setia Putra Setia Putra, Setia Shelby Susandari Shelly Novita Siltami, Frisa Ayu SITI SUHAINA Sugi Kurnia Pakpahan Suryadiansyah S Triyananda, Maulidya Ulfia Hasanah Vertina, Annisa Sophia Vitis Sera Yolla Indriana Zaklylen, Arizkygo Zidane Zsa Zsa Quamila Pasyura Zui Zui Anita Safari