Suhaimi, Ahmad (2021) Akad Murabahah pada Perbankan Syariah di Kota Banjarmasin. Tesis, Pascasarjana.

	Text PERNYATAAN.pdf Download (24kB)
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ABSTRAK

This study aims to determine and describe the form of the murabahah contract at the Islamic Bank of Banjarmasin city. The results show that the murabahah financing contract is a form of natural certainty contract with the exchange of real assets ('ayn) with financial assets (dayn) and is the most dominant financing customers submit to Islamic banks in the city of Banjarmasin in consumptive activities such as financing products. KPR for the purpose of home or apartment ownership (indent or ready stock), shop houses, construction and renovation in the form of murabahah bil wakalah, namely the Islamic bank only as a provider of funds, so the contract in this case is said to be ilzam al-wa'id bi al- syira 'must promise to buy: This type of research is a qualitative normative study with the intention of measuring legal material obtained from the results of research through reading and reviewing books and articles related to the problems of this paper. While its nature uses descriptive analysis research. The results show that first, the form of the murabahah contract in the islamic bank of Banjarmasin city with reference to the provisions of the Syariah Banking Law, OJK (Financial Services Authority) and the DSN-MUI Fatwa (2) The application of syariah principles in the murabahah contract in Banjarmasin city Islamic bank has in accordance with the Syariah Banking Law and Fatwa DSN-MUI, where financing based on Islamic principles, namely, does not contain elements of usury, maisir, garar, haram, and zhalim. The prohibition of this is in line with the maqasid of syariah to prevent kemudharatan (daf'ul-mafasid), bring benefit (jalbul- maslahah), and maintain five basic things, namely religion, soul, reason, descent, and property.

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