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All Journal Islaminomics: Journal of Islamic Economics, Business and Finance Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah.
Widi Astuti
Universitas Cendekia Abditama
Economics, Econometrics & Finance

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Implementasi Pembiayaan KUR dengan Akad Murabahah Bil Wakalah Pada Bank Syariah Indonesia Karawaci Tangerang: Tinjauan Fatwa DSN-MUI NO.04/DSN-MUI/IV/2000 tentang Murabahah Abdul Rachman; Widi Astuti
ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE Vol 13, No 1 (2023): ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE
Publisher : STES Islamic Village

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47903/islaminomics.v13i1.235

Abstract

This research undertakes an in-depth investigation into the implementation of People's Business Credit (KUR) financing and the suitability of the Murabahah bil Wakalah contract applied to KUR financing products at Bank BSI KCP Tangerang Karawaci Mutiara. The study aims to assess the adherence to the principles laid out in DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 on Murabahah. Employing a qualitative descriptive methodology, with a field research approach and juridical-normative analysis, the research scrutinizes the relevant fatwa and regulatory provisions related to the examined matter. Data collection is facilitated through interviews, observations, and documentation of pertinent literature, including books, journals, and official documents pertaining to the research subject. The findings reveal that during the execution of the Murabahah bil Wakalah contract in KUR financing, the goods involved were not yet under the ownership of Bank BSI KCP Tangerang Karawaci Mutiara. Instead, the customers, acting as agents for the bank, completed the purchase of the goods only after simultaneous signing of both the Murabahah and Wakalah contracts. Consequently, the goods were not under the bank's ownership at the time of contract execution. Moreover, the research demonstrates overall compliance with DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 on Murabahah in the application of the Murabahah bil Wakalah contract in KUR financing products. Nevertheless, certain inconsistencies were identified in the execution of the first provision, specifically point nine, wherein the Murabahah and Wakalah contracts were conducted jointly before the customers made their purchases as agents for the bank. This practice was justified to optimize time efficiency and enhance convenience for the customers. This research suggests to the successful implementation of KUR financing utilizing the Murabahah bil Wakalah contract at Bank BSI KCP Tangerang Karawaci Mutiara necessitates more robust control measures regarding the ownership status of goods at the time of contract execution
PERAN BADAN ARBITRASE SYARIAH NASIONAL MAJELIS ULAMA INDONESIA (BASYARNAS-MUI) DALAM MENGATASI SENGKETA PERBANKAN SYARIAH DI INDONESIA Abdul Rachman; Sri Tamara Devi; Widi Astuti
Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah Vol 5 No 2 (2022): Madani Syari'ah
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/madanisyariah.v5i2.385

Abstract

Tujuan penelitian ini adalah untuk mengetahui peran Badan Arbitrase Syariah Nasional (BASYARNAS) dalam menyelesaikan sengketa ekonomi syariah di luar peradilan. Badan Arbitrase Syariah merupakan lembaga yang memiliki peran dalam menyelesaikan sengketa yang berprinsip syariah secara damai dengan tidak melibatkan peradilan umum. Dalam UU No. 30 tahun 1999 menyatakan bahwa Arbitrase memiliki hak dalam mengatasi masalah atau sengketa yang berkaitan dengan hukum perdata, seperti ekonomi, bisnis, keuangan, perdagangan, serta industri-industri yang menggunakan prinsip syariah. Penelitian ini menggunakan metode kualitatif deskriptif dan menggunakan pendekatan studi Pustaka (library research) dengan menganalisis dokumen, data, informasi yang berkaitan dengan BASYARNAS. Penelitian ini menghasilkan bahwa peran BASYARNAS sangat penting dalam menyelesaikan sengketa ekonomi syariah terutama dalam dunia perbankan syariah namun masih belum optimal karena terdapat beberapa kendala, yaitu penyelesaian sengketa ekonomi syariah oleh BASYARNAS dibatasi dengan adanya klausul perjanjian para pihak yang memuat perjanjian penyelesaian sengketa oleh BASYARNAS, adanya kesulitan dalam eksekusi putusan karena adanya kewenangan yang tumpang tindih antaran Peradilan Agama dan Pengadilan Negeri dan adanya potensi pembatalan putusan BASYARNAS dalam memutus perkara sengketa ekonomi syariah.
Co-Authors Abdul Rachman Sri Tamara Devi