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All Journal Laa Maisyir Jurnal Ekonomi Islam Jurnal Penelitian Ilmiah INTAJ Forum Ekonomi : Jurnal Ekonomi, Manajemen dan Akuntansi Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen SEIKO : Journal of Management & Business Dinasti International Journal of Digital Business Management Jurnal Adat dan Budaya Indonesia Santri: Journal of Pesantren and Fiqh Sosial Dikmas: Jurnal Pendidikan Masyarakat dan Pengabdian Jurnal Iqtisaduna Jurnal Ekonomika: Manajemen, Akuntansi & Perbankan Syari'ah Balanca : Jurnal Ekonomi dan Bisnis Islam Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Cakrawala: Jurnal Pengabdian Masyarakat Global Sanskara Ekonomi dan Kewirausahaan The Es Economics and Entrepreneurship AMMA : Jurnal Pengabdian Masyarakat Irajagaddhita : Jurnal Pengabdian dan Pemberdayaan Masyarakat Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen
Muh Shadiqul Fajri AF
Universitas Mulawarman
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Nursing Social Sciences Other

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Journal : SEIKO : Journal of Management

 1 
Disfunction of Wakalah Contract in Murabahah Financing of Sharia Banking in Indonesia Muh. Shadiqul Fajri AF; Gagaring Pagalung; Muslimin H. Kara
SEIKO : Journal of Management & Business Vol 5, No 1 (2022): January - Juny
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v5i1.1331

Abstract

Murabahah financing is the most dominant financing product in Islamic banking entities in Indonesia. Several factors make murabahah financing more dominant than other financing products, including; First, the murabahah financing scheme is simpler so that it is easier for the public to understand. Second, the amount of profit margin can be known at the beginning of the contract and is fixed until the financing period ends. The application of murabahah financing in Islamic banking in Indonesia uses the murabahah bil wakalah scheme. This study uses a descriptive-qualitative method with a normative theological approach using field research techniques that focus on the flow of the murabahah bil wakalah financing process. The results showed that there was an error in the application of the murabahah bil wakalah scheme where the murabahah and wakalah contracts were signed and agreed upon in the same assembly. This of course violates the rules in muamalah fiqh which makes a murabahah (buying and selling) contract turn into a qardh (debts) contract. So, the real transaction that occurs between the Islamic banking party and the customer is a debt-receivable contract transaction, not a sale and purchase agreement.
Co-Authors Abdul Wahab Abiyajid Bustami Akbar Lufi Zulfikar Ardiyani, Audwina Hati Badrus Syamsi Bambang Iswanto Bustami, Abiyajid Gagaring Pagalung Hamid Habbe, Abdul Isna Yuningsih Isna Yuningsih Jamaida, Nur Riski Amalia Mahmudah, Sofiyyah Maricar, Rezvanny Misbahul Munir Muslimin H. Kara Pramono, Adi Tri Putra, Muhammad Renaldi Allindra Rinna Ramadhan Ain Fitria Rinna Ramadhan Ain Fitriah Saputri, Indri Ayu Sitti Rahma Sudirman Sugiarto Swadia Gandhi Mahardika Swadia Indra Maulana Villaruel, Angelita S. Wardoyo Putra, Rizky Iman Perkasa