<![CDATA[This study analyzes the implementation of a murabahah financing contract and the legal considerations of the panel of judges in assessing default in Klaten Religious Court Decision Number 891/Pdt.G/2024/PA.Klt. The study employs a normative juridical method with a descriptive-analytical approach. Secondary data were obtained through library research and documentary study, including the court decision, the Compilation of Sharia Economic Law, DSN-MUI Fatwa Number 04/DSN-MUI/IV/2000 on Murabahah, relevant legislation, and scholarly literature. The analysis compares the legal facts established in the decision with the pillars, requirements, and principles of murabahah and the rules governing default in sharia economic law. The findings show that, formally, the agreement specifies the parties, financing object, principal price, profit margin, period, and installment mechanism. Substantively, however, an issue arises concerning ownership of the goods because the financing funds were delivered to the customer to purchase construction materials, while the decision does not establish that the goods were first owned by the BMT before being sold to the customer. The panel nevertheless found the defendant in default because of failure to make installments as agreed. The decision therefore illustrates a distinction between formal contractual validity and substantive compliance with the murabahah mechanism. Keywords: Default; Islamic economic law; Murabahah; Sharia financing; Dispute]]>
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