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Munira Munira, Munira
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Journal : AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam

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Tinjauan Hukum Islam terhadap Pelaksanaan Akad Murabahah di Koperasi Amanah Mulia Ikhlas Pinrang: An Analysis of Murabahah Contract Practices at Koperasi Amanah Mulia Ikhlas Pinrang from the Perspective of Islamic Law Munira, Munira; Akhmad Hanafi Dain Yunta; Humairah Ahsan
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 5 No. 2 (2025): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, IndonesiaInstitut Agama Islam STIBA Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v5i2.2624

Abstract

Murabahah contracts are one of the most widely applied forms of sale and purchase in Islamic financial institutions because they are considered transparent in pricing and in accordance with sharia principles. However, in practice, a number of challenges are still found, such as inconsistencies between practice and fiqh principles, limited understanding among customers, and the potential for practices resembling usury. This study aims to examine the mechanism of murabahah contract implementation at Koperasi Amanah Mulia Ikhlas Pinrang and to assess its validity from the perspective of Islamic law. The research employs a qualitative approach with a field research design. Data were collected through direct interviews with cooperative administrators and documentation studies related to the murabahah contracts carried out. The data analysis was conducted descriptively and analytically using a juridical-normative approach, supported by classical and contemporary fiqh muamalah literature from various schools of thought. The findings show that the implementation mechanism of murabahah contracts at Koperasi Amanah Mulia Ikhlas is carried out through two main stages, namely the financing application stage and the contract execution stage. In general, the practice of the contract has fulfilled the pillars and conditions of murabahah as established in Islamic jurisprudence, although there are still some aspects that need improvement, particularly in documentation and in members’ understanding of their rights and obligations. This research provides important implications for Islamic cooperatives in optimizing the comprehensive and consistent application of sharia principles in murabahah financing contracts.
Co-Authors Abbas, Ririn Yulandari Abdullah, Syahrul Mubarak Abidin, Jenny Agus Yudiawan Agustin, Nesti Ahad, Yeny Aini, Quratul Ainun Mardiah Akhmad Hanafi Dain Yunta Aksiyah, Eli Alam, Aztri Fithrayani Andi Aladin Andi Sumardin, Andi Andriani, Rida Yuliana Andriani, Rika Andzala Cahyani Annisa Miftahussaadah Ansyari, Ilman Indra Arman, Muh Asri Jumadewi Aulianshah, Vonna Awalia, Pertiwi Azzahra, Lilisa Azzahrah, Andi Chairunnisa Chairunnisa Cut Aja Nuraskin Daniel Happy Putra Darnengsih, Darnengsih Dedi Setiawan Dewi Indriani Diah Ayu Wulandari, Diah Ayu ELIHAMI, ELIHAMI Ergantara, Rani Ismiarti Fangohoi, Latarus Fardilla, Cut Fathur Rahman Firdha Razak, Firdha Frengki Frengki, Frengki Gusnawati, G. Gusnawati, Gusnawati Gusriani Gusriani Haeruddin Haeruddin Halimatussakdiah Hardyantoro, Vicko Tri Hasan Hasan Heryansyah Humairah Ahsan Irwana Wahab, Irwana Iswandi, Muh Jadid, Miftahul Kadja, Ranan Karim, Izma Khaerunnisa Khaerunnisa, Khaerunnisa Khairani, Zulfa Rahmalia Khaliza, Nur Khotibul Umam L, Andi Besse Sumpala La Ima, Tjameria Lilit, Sona Wanda M. Hatta Mahmuddin, Ronny Mailisa, Wiska Marina Marina MARLINA, LILIS Maulida, Aura Miska, Laiyana Misran Misran Muhamad Saddam Nurdin Muhammad Nasir Muhammad Nusran muhammad rizky, muhammad Mujiati, Asfi Mustafiah Mustafiah Muttazimah, Muttazimah Nasma, Intan Maulida Natalina Natalina Nazira, Jihan Nidaul Haq Nindia, Yuni Noni Zakiah Nur Fadillah, Nur Nuraeni Nuraeni Nurul Chairany Nurulrahmatia, Nafisah Nurzahwa, Cindy Lusiana Nusbah, Syam Suryanto octamelia, Mega Pamudi, Berwi Fazri Pengerang, Fitrah Puspitasari, Mutiara Dwi Putri, Dira Nita Yulia Rabiudin, Rabiudin Rachmanto, Muhammad Resky Rahayu, Eka Sri Rahmaniah Malik Ramadhani, Uni Rasidah Rasidah Rasmi Rasmi, Rasmi Reca Reca Rendy Retnaningati, Dewi Rini Handayani Risdayani, Risdayani Rony, Zahara Tussoleha Rosita, Nopi Rukka, Hermaya Sam, Nur Fitriana Sam, Zulfiah Samiun, Winda La Septiani, Mimin Siti Suarni, Siti Suarni Sri Ujiana Putri Suparman Suparman Takdir Syarif Uswanas, Wita Wahyuni, Etty Wilda Reni Yasin, Nur Azizah Yendari, Tirza Dwi Zakiyah Darajat Zartinawati, Nurfitrah