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All Journal UPMI Proceeding Series Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Asriani, Elza
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences

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MURABAHAH BUYING AND SELLING PERSPECTIVE IN ISLAMIC ECONOMY: PERSPEKTIF JUAL BELI MURABAHAH DALAM EKONOMI ISLAM Asriani, Elza
UPMI Proceeding Series Vol. 1 No. 01 (2023): Ed.01
Publisher : LPPM UPMI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55751/ups.v1i01.65

Abstract

A good sale and purchase is one in which there is honesty, truthfulness, and not disobeying Allah. To achieve such a sale and purchase, there are elements that must be met, namely in the form of terms and the pillars of the sale and purchase itself. Murabahah financing. Murabaha is a sale and purchase contract between two parties parties, where the buyer and seller agree on a selling price, which consists of: the purchase price plus the cost of purchase and profit for the seller. Another understanding of murabaha is a contract of buying and selling goods with stated the acquisition price and profit (margin) agreed by seller and buyer. Murabaha can be done in cash or in kind pay deferred or pay in installments. Another understanding murabaha is a sale and purchase transaction, where the bank gets a number of profitS. In this case, the bank becomes the seller and the customer becomes the buyer The terms of the goods being traded are goods that are lawful, provide benefits, full property rights of the seller and goods according to the specifications desired by the buyer. The terms of the contract must be clear both the specifications of the goods and the price and do not contain clauses that depend on the legality of the transaction. Murabahah law according to the scholars is permissible as long as there is no binding obligation to complete the transaction, both written and verbal before getting the goods into possession and delivery
Implementasi Prinsip – Prinsip Good Corporate Governance (GCG) pada Bank Syariah Indonesia KCP.Panyabungan Mandailing Natal Asriani, Elza; Sari, Maya
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i7.3051

Abstract

This study aims to evaluate the application of the principles of Good Corporate Governance (GCG) at Bank Syariah Indonesia Kcp. Panyabungan Mandailing Natal. The implementation of GCG is very important for Islamic banks to ensure transparent, accountable, responsible, independent, and fair operations, in accordance with sharia principles. The research method used is a qualitative approach with a descriptive method, involving interviews with bank staff and direct observation at the research location. The results showed that Bank Syariah Indonesia Kcp. Panyabungan has implemented GCG principles well. Transparency is evident from the disclosure of accurate and timely information. Accountability is realized through the supervision and accountability of the board of commissioners and directors. The bank complies with laws and regulations and sharia principles as part of its responsibility. Independence is achieved through decision-making that is free from external pressure, while fairness is reflected in fair treatment to all stakeholders. Although the results show good GCG implementation, there is a need to continue strengthening GCG implementation to maintain the integrity and sustainability of the bank in the long run.
Co-Authors Maya Sari