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All Journal INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Jurnal Sains Student Research
Marizqa Mustika Dara
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Humanities Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Social Sciences Other

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Journal : INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE

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ANALYSIS OF THE IMPLEMENTATION OF HYBRID CONTRACT IN MURABAHAH BIL WAKALAH FINANCING FROM AN INTERNAL PERSPECTIVE BASED ON THE DSN-MUI FATWA AT BSI KC PEMATANG SIANTAR Marizqa Mustika Dara; Tuti Anggraini; Nuri Aslami
International Journal of Cultural and Social Science Vol. 6 No. 3 (2025): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v6i3.1157

Abstract

This study investigates the internal implementation of the hybrid contract in Murabahah bil Wakalah financing at Bank Syariah Indonesia (BSI), Pematangsiantar Perintis Branch, and evaluates its alignment with the DSN-MUI fatwa. Employing a descriptive qualitative method, data were obtained through in-depth interviews. The research reveals that the execution of the Murabahah bil Wakalah contract at BSI Pematangsiantar Perintis is not entirely in accordance with DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000, as both the Murabahah and Wakalah agreements are conducted concurrently. Ideally, the Murabahah agreement should be concluded only after the bank legally possesses the goods via the Wakalah contract. While the simultaneous implementation simplifies the financing process, there is still a need for enhanced internal comprehension and continuous training to ensure full compliance with Islamic legal principles.
Co-Authors Annisa Aulia Azzahra Dini Vientiany Nazla Minda Mahira Nuri Aslami Tuti Anggraini