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All Journal Juni-Jurnal Pelita Nusa
Alfiah Insani, Nurul
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Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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ANALISIS MARK-UP DALAM TRANSAKSI MURABAHAH PADA PERBANKAN SYARIAH Rahmadini, Salsa; Rohadatul Aisy, Zahra; Susanti, Susi; Alfiah Insani, Nurul; Sundari, Asri
Jurnal Pelita Nusa Vol 4 No 1 (2024): Juni-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v4i1.99

Abstract

Increasing community needs drive the need for alternative financing that is in accordance with sharia principles. Murabahah as one of the superior products in sharia financial institutions, is the main choice because it can meet sharia needs with a low risk of loss. However, obstacles such as Mark-up s in murabahah transactions raise questions about whether they are in accordance with sharia principles. This study uses a qualitative descriptive approach to analyze the concept of Mark-up  in murabahah transactions from a sharia perspective. Based on the results of the analysis, murabahah transactions in sharia banking involve various processes, including identifying customer needs, assessing feasibility, murabahah contracts, purchasing goods, selling to customers, and monitoring installment payments. Even though sharia banks act as providers of costs in murabahah financing, all related risks are borne by the customer in accordance with the agreement.
STRATEGI PENETAPAN HARGA: DALAM PERSPEKTIF ISLAM Fariz, Ferdinan; Alfiah Insani, Nurul; Susanti, Susi; Rohadatul Aisy, Zahra; Sundari, Asri
Jurnal Pelita Nusa Vol 4 No 2 (2024): Desember-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v4i2.109

Abstract

Pricing strategy is an important step that allows companies to classify and classify the products and services produced. Prices reflect the total value that customers provide to benefit from owning or using those products and services. From an Islamic perspective, pricing is based on a balance between demand and supply, which is achieved through agreement and willingness between sellers and buyers. In addition, Islamic economic principles such as fairness, honesty, and market balance are the main cornerstones in setting prices. Effective pricing requires a deep understanding of market dynamics, consumer needs, and economic and Sharia principles. By paying attention to all these aspects, companies can determine prices that not only support the achievement of business goals but also uphold the values of justice and mutual benefit.
Co-Authors Fariz, Ferdinan Rahmadini, Salsa Rohadatul Aisy, Zahra Sundari, Asri Susi Susanti