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Journal : RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL

Akad Murābaḥah; Konsep dan Pelaksanaan di Lembaga Keuangan Islam Modern Ahmad Maulidizen
Reslaj : Religion Education Social Laa Roiba Journal Vol 1 No 1 (2019): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (605.082 KB) | DOI: 10.47467/reslaj.v1i1.66

Abstract

Islamic banking in Indonesia has experienced significant growth, including assets, financing providedand the number of customers. Murābaḥah is the sale and purchase of goods at the original price with theagreed-upon profit. In murābaḥah the seller must tell the cost of the product he buys and determine anadditional level of profit. This research is a library research about the murābaḥah contract according tomuamalah fiqh and its application in modern Islamic financial institutions. Methods of collecting data indocumentation and various sources related to the murābaḥah contract are then analyzed inductively anddeductively. The results of the study are the murābaḥah foundation is the principle of buying and sellingwith a deferred payment system. Murābaḥah, as used in Sharia banking, is based on two main elements,namely the purchase price and related costs, and the agreement on mark-up (profit). Islamic banks adoptmurābaḥah to provide short-term financing to customers for the purchase of goods even though thecustomer does not have the money to pay. The murābaḥah financing portfolio in Islamic banks reaches 70-80%, but in practice there have never been any problems, including; collateral which is a problem of fiqh,risk dependency as a problem of the bank, bankruptcy and delay in payment are the problems of customers,and profits are too high, namely the problem of coming from the community. Therefore, Islamic banks mustmake improvements in the implementation to be in accordance with Sharia.Keyword : Murābaḥah, Financing Instruments, Modern Islamic Financing
Co-Authors Abdul Haris Muctar Abdul Rochim Ade Muhammad Zikril Hakim Afifah Zuhri, Nuha agung setiawan Al Hakim, Farrez Albaqi Adrianantama, Rofiano Ali Alatas Amriatus Safaah Amriatus Safaah Amriatus Safaah Andri Mulyana Anggraini, Dedeh As Shofy, Muhammad Ulil Abshor Ashilah Raihanah Asis, Alfian Airlangga Asphia Sahida Awalia, Rabiatul Azzami, Muhammad Naufal Basuki, Latiffa Queen Azzahra Bin Mohamad, Mohammad Taqiuddin Chakim, Abdul Danang Indrajaya Deswindi, Leli Dwitya Agustina Eka Pratiwi El Medinah, Syamsa Erin Divas Ari Alawiyah Erza Sofian Fadilla Aliya Nuha Fahri Satyanto, Muhamad Fajar Julian Azhari Fitri Khoirunnisa Ganea, Ayi Guntur Dwi Wicaksono, Suciawan Habiburrahman Rizapoor Habiburrahman Rizapoor Haris Muctar, Abdul Hasan Abdul Azis Naibaho, Muhammad Hasbullah Hasbullah Hasbullah Hasbullah Hasby Fauzi, Muhammad Hayati, Setiyo Hazra, Savira Henny Nurullita Heristina Fitri Rukmana Iman, Muhammad Zailani Irwan Aufi Isman, Syahvina Bianca Isman, Syahvira Bainca Jasmine Pangestu Gilly Putri Jaya Jayanto Johari Johari Johari Johari Johari Joni Tamkin bin Borhan Khalisa Salma Khansa Ramadhan, Naurah Leonita Yolanda Lia Siti Julaeha Limber, Umar MAGHFIRAH Maghfirah Maghfirah Maghfirah Maghfirah Mamduh Tirmidzi Mariah Mariah Mohammad Taqiuddin Bin Mohamad Mohammad Taqiuddin Mohammad Mohammad, Mohammad Taqiuddin Mohammad, Mohammad Taqiuddin Bin Muchtar, Abdul Haris Mugiyono Mugiyono Muhammad Hasan Abdul Azis Naibaho Muhammad Hasby Fauzi Muhammad Mikhail Khalifah Perdana Muhammad Rafi Thoriq Muhammad Rafi Thoriq Muji Astuti Nabila, Nida Naufal Kurniawan Nida Nabila Nisa, Tamara Alfira Nugraha, Risman Nuha Afifah Zuhri Nur Atikah Nur Rahmah Zakiyah Nurmughni Nabilatuzaman, Nada Rachmat Hidayat Rafi Thoriq, Muhammad Rafidah, Siti Rahmah Zakiyah, Nur Raihanah, Ashilah Raisa Adila Raskya Khairunnisa Tojib, Hannah Risman Nugraha Riyad Ramadhan Rizapoor, Habiburrahman Roosiani, Aulia Puspita Safa'ah, Amriatus Safaah, Amriatus Salfadila, Nisrina Sujoko Winanto, Sujoko Syahrani, Hilda Ziradine Tirmidzi, Mamduh Yuni Sahara Yustriana Yustriana Zahra Febriyadiza