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All Journal Ekonomi Syariah, Perbankan, Hukum, dan Sistem
Prasetya, Seta
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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THE ANALYSIS OF THE IMPLEMENTATION OF IB SIAGA PENSION FINANCING ACCORDING TO THE DSN-MUI FATWA ON MURABAHAH TAKE OVER AT BANK KB BUKOPIN SYARIAH KPO SALEMBA JAKARTA Prasetya, Seta; Anwar, Saiful
EKOSSISTEM : Islamic Economics, Banking, Law, System Vol. 3 No. 6 (2025): Ekossistem Vol 3 Number 6 Agustus-Maret (2025)
Publisher : EKOSSISTEM : Islamic Economics, Banking, Law, System

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17605/mczc8y38

Abstract

In the current digital era, the growth of Islamic banking in Indonesia continues to show a significant increase. This research aims to analyze the compliance of the implementation of takeover financing contracts for the iB SiAga Pensiun product at Bank KB Bukopin Syariah KPO Salemba Jakarta with the fatwas of the National Sharia Board - Indonesian Ulema Council (DSN-MUI). Using a descriptive qualitative method with field study and literature review approaches, the research finds that the implementation of the Murabahah bil Wakalah contract used does not substantially meet sharia principles. This contract deviates from the pillars of Murabahah due to the absence of a real commodity object (mabi'), potentially leading to gharar and usury (riba), and is not aligned with the specific schemes formulated by DSN-MUI in Fatwa No. 31/2002 and No. 90/2013. The study recommends product reconstruction by replacing the contract with a hybrid scheme (a combination of Qardh, Sale and Purchase, and Murabahah) for takeovers from Conventional Financial Institutions (LKK) and the Hiwalah bi al-Ujrah scheme for takeovers from other Islamic Financial Institutions (LKS). This should be accompanied by a comprehensive revision of internal guidelines and the strengthening of sharia audits to ensure substantive compliance.
Co-Authors Saiful Anwar