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Muhammad Haris
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Journal : El-Iqtishady

 1 
PRAKTIK AKAD MURABAHAH BIL WAKALAH PADA PEMBIAYAAN KONSUMTIF DI KOPERASI KARYAWAN SABILAL MUHTADIN BANJARMASIN Noor Halimah; Muhammad Haris
El-Iqthisadi Volume 6 Nomor 1 Juni 2024
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisady.vi.44997

Abstract

Abstrak Koperasi Karyawan Sabilal Muhtadin Banjarmasin (Kopkar SMB) memiliki produk pembiayaan yang pada awalnya masih menerapkan prinsip konvensional, namun atas dasar kesadaran dari para anggota untuk bermuamalah secara syariah, praktik pembiayaan diubah menggunakan akad murabahah bil wakalah dengan skema akad berdasarkan arahan dari salah satu anggota. Sehingga diperlukan penelitian yang bertujuan untuk mengetahui apakah praktik akad tersebut telah sesuai dengan prinsip syariah. Penelitian ini merupakan jenis penelitian hukum empiris. Hasil penelitian menunjukkan bahwa akad murabahah bil wakalah yang dilaksanakan belum sesuai dengan prinsip syariah karena akad wakalah dan murabahah dilaksanakan berurutan dalam satu waktu, pembelian barang dilaksanakan atas nama anggota, dan barang tidak diserahterimakan saat akad berlangsung. Ketidaksesuaian ini menyebabkan tidak terpenuhinya syarat murabahah, yaitu objek jual beli dimiliki penjual secara penuh dan dapat diseraterimakan, sehingga akad menjadi tidak sah. Kata Kunci: Murabahah bil Wakalah, Koperasi, Pembiayaan.   Abstract Sabilal Muhtadin Banjarmasin Employee Cooperative (Kopkar SMB) has financing product which initially still applied conventional principles, but based on the awareness of the members to practice in accordance to sharia, financing in practice has changed to using murabahah bil wakalah contract scheme based on instructions from one of the members. Research is needed to find out whether contract practices are in accordance with sharia principles. The type of this research is empirical legal research. The research results show that the murabahah bil wakalah contract implemented is not in accordance with shariah principle because the wakalah and murabahah contracts are implemented sequentially at one time, purchase of goods is carried out in the name of the member, and goods are not handed over at the time contract take places. This discrepancy causes the murabahah terms to not be fulfilled, namely the object of sale and purchase is fully owned by the seller and can be handed over, so the contract becomes invalid. Keywords: Murabahah bil Wakalah, Cooperative, Financing.
Co-Authors Abdul Khamid Abul A’la Al Ma’adudi Afif Fudin Agus Aditya Arisandi Saputra Agus Rahmatullah Ahmad Maulana Anshori Akhmad Wafi Aliansyah Firdaus Alif Fiandi Firdaus Almejiem Aditya Wijaya Amelia Fatmawati Amelia Rahmaniah Andi Ade Ula Saswini Annajiyah Mansyuroh Anotaris Bulele Bayu Indra Laksana Budi Rahmat Hakim Deni Putra Afandi Dian May Syifa Dika Putri Metalica Dini Awwalia Dwi Retnosari Dwiza Riana Elsa Mulya Karlina Eni Heni Hermaliana Fajrul Ilmi Fauzi, Achmad Ferdiansyah, Rival Fuad Luthfi Gata, Windu haikal alpin Hairul Fauzi Hawwin Muzakki Herdian Tohir Hidayatul Husna I Made Budi Suksmadana Iis Suwartini Kevin Faras Oktafiano Khabib Astoni Khair, Husnul Kharis Fadlullah Hana Kiki Kosasih Layli Nor Syifa Lukito Prasetyo M. Munif M. Rizki Adi Pratama Maria Irmina Prasetiyowati Maulidatul Hasanah Mayasari Miswari Miswari Mochtar, M. Mochtar Mas'od Moh. Lutfi Izaki Moh. Mu’amarul Ma’aruf Mohamed Ramadan Abd Allah Mohamed Mohammad Lucky P Muh Ibnu Sholeh muhammad arif prasojo Muhammad Mustangin Muhammad Noor Ridani Muhammad Nursalim Imron Muhammad Rangga Muharrani Muhyi, Asep Abdul Nanda Pradana Nasywa Aulia Akbar Nentra Edison Mendrofa Nita Merlina Noor Fadela Noor Halimah Noprizal Nor Annisa Nur Azizah Nur Azizah, Raudah Nur Ika Mauliyah Nur ‘Azah Nurhalisa Oskar Hutagaluh paham ginting Panji Triyanu Hermawan Rabiatul Adawiah Rahma Tri Ristiyanti Rahmat Sholihin Raudhatul Jannah Reni Rifki Yasmin Dwi Pambudi Rizqa Ananda Rosita Sani Nurlaela Fitriansyah Siti Alpisah Siti Nur Annisa Siti Zahrina SRI RAHAYU Sudarman Sugiyanti Syafarudin Ch. Syarif Hidayat USWATUN HASANAH Wawan Lulus Setiawan Yamani Naufal Yeni Absah Yola Desnera Putri