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All Journal Jurnal Ekonomi dan Bisnis JSE: Jurnal Sharia Economica
Yefri Joni
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Economics, Econometrics & Finance

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ANALISIS MEKANISME PEMBIAYAAN MURABAHAH AL-WAKALAH PADA PRODUK TANGGUNG RENTENG DI PT. BPRS HAJI MISKIN PANDAI SIKEK DITINJAU DARI KETENTUAN OJK DAN FATWA DSN-MUI Rahmad Suganda; Yefri Joni
Jurnal Ekonomi dan Bisnis Vol. 2 No. 12 (2024): Desember
Publisher : ADISAM PUBLISHER

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Abstract

This research aims to analyze why the murabahah al wakalah financing mechanism for joint responsibility products at PT. BPRS Haji Miskin Pandai Sikek is not in accordance with OJK provisions and the DSN-MUI fatwa, apart from analyzing the reasons why PT. BPRS Haji Miskin Pandai Sikek uses the murabahah al-wakalah agreement on joint responsibility products. Apart from the qualitative descriptive research approach, field research is the research methodology used in this research. Data was collected using three different techniques: observation, interviews, and documentation. Meanwhile, the data analysis techniques used are data reduction, data presentation, and drawing conclusions. Research findings show that certain aspects have not been implemented, such as parallel or simultaneous implementation of murabahah and wakalah contracts, where in theory the bank does not own the goods at the time the contract is executed. The first provision point (i) is the guidebook for sharia banking murabahah financing products issued based on OJK and DSN-MUI fatwa no. 04 of 2000 concerning murabahah, refers to the murabahah financing scheme with a Purchase Promise (Wa'd) accompanied by Wakalah. It is stated that if the bank wants to represent the customer to buy goods from a third party, so that the murabahah sale and purchase contract officially becomes the property of the bank, then the product needs to be implemented. The use of a murabahah al wakalah contract makes sense because it can facilitate transactions for both the bank and the customer.
IMPLEMENTASI PRINSIP EKONOMI ISLAM DALAM PERILAKU PEDAGANG KULINER DI PASAR KULINER KOTA PADANG PANJANG Evina Aura Exa Putri; Yefri Joni; Ali Rahman; Rahmi
JSE: Jurnal Sharia Economica Vol. 4 No. 4 (2025): Oktober
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i4.2635

Abstract

Many culinary traders in Padang Panjang Culinary Market pay little attention to blessings in their production, provide inadequate service to consumers, and lack understanding of the importance of halal certification. The main problem in this study is how the implementation of Islamic economic principles in the behavior of culinary traders in Padang Panjang Culinary Market. This study aims to analyze the implementation of Islamic economic principles in the behavior of culinary traders in the food and beverage sector in Padang Panjang City, especially in the culinary market. This study uses a descriptive qualitative approach that produces descriptive data and utilizes a theoretical basis so that the focus of the research is in accordance with field facts with data collection techniques through interviews, observations, and documentation. The results of the study indicate that most culinary traders have not fully implemented Islamic economic principles such as monotheism, justice, honesty, responsibility, prophecy, halal and thayyib, and anti-riba in their business activities.
Co-Authors Ali Rahman Evina Aura Exa Putri Rahmad Suganda Rahmi