Analisis Pembiayaan Multimanfaat Dengan Akad Murabahah Bil Wakalah Berdasarkan Fatwa DSN MUI
Article Sidebar
Main Article Content
Abstract
This study analyzes the implementation of the murabahah bil wakalah contract in multi- benefit financing at BTN Syariah KCPS Kudus and assesses its compliance with the DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 concerning Murabahah and No. 10/DSN-MUI/IV/2000 concerning Wakalah. The method used in this study is qualitative with data collection techniques being interviews with related parties, namely Financing Service, Operation Staff, and Sub Branch Head, as well as direct observation of the contract process and supervision of implementation in the field. The results of the study indicate that the murabahah bil wakalah contract has been implemented in accordance with the sharia principles stipulated in the DSN-MUI fatwa, especially in terms of clarity of the contract, determination of selling price, and financing mechanism. However, there are several challenges faced, especially in terms of ownership of goods before selling to customers and monitoring the use of funds to ensure that they are in accordance with the objectives of the contract. As an implication, this study recommends strengthening transaction verification mechanisms, increasing transparency in ownership of goods before being sold to customers, and more effective education strategies for customers to ensure compliance with sharia principles.
Downloads
Article Details
Section
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
Content License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
You are free to:
- Share — copy and redistribute the material in any medium or format for any purpose, even commercially.
- Adapt — remix, transform, and build upon the material for any purpose, even commercially.
- The licensor cannot revoke these freedoms as long as you follow the license terms.
Under the following terms:
- Attribution — You must give appropriate credit , provide a link to the license, and indicate if changes were made . You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
- ShareAlike — If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.
- No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.
Notice:
You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable exception or limitation .
No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as publicity, privacy, or moral rights may limit how you use the material.
How to Cite
References
Abdul, Abdul Rachman, Dewi Putri Mandiri, Widi Astuti, and Siti Arkoyah. 2022. “Tantangan Perkembangan Perbankan Syariah Di Indonesia.” Jurnal Tabarru’: Islamic Banking and Finance 5 (2): 352–65. https://doi.org/10.25299/jtb.2022.vol5(2).9505.
Abdurrauf, Mursal. 2023. “Revitalisasi Perbuatan Hukum Dalam Akad Pembiayaan Murabahah Perbankan Syariah.” Jurnal Al-Mizan 10 (1): 87–105.
Abrori, Faizul. 2022. “MEKANISME PRINSIP SYARIAH PADA PRODUK BANK SYARIAH.”
JURNAL EKONOMI SYARI’AH Vol.3 No. 2 Maret 2022 33 (1): 1–12.
Amin, Muhamad, and Sulaeman Jajuli. 2024. “KONSEP DAN PERMASALAHAN DALAM LEMBAGA PEMBIAYAAN SYARIAH.” Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syari’ah. https://api.semanticscholar.org/CorpusID:272265405.
Aurelita, Zefinanda Dwi. 2024. “Implementasi Akad Murabahah Bil Wakalah Di Bank Mini
Syariah Universitas Islam Negeri Sunan Ampel Surabaya Perspektif Hukum Ekonomi Syariah.” TIJAROTANA: Jurnal Ekonomi Dan Bisnis Syariah 5 (02).
Ayu, Dyah, and Sekar Sukmaningrum. 2023. “Analisa Kelayakan Nasabah Menggunakan Metode Prinsip 5c Dalam Pembiayaan KPR Customer Feasibility Analysis Using Principle 5c Method in Mortgage Financing.” Jurnal Ekonomi Manajemen Dan Sosial 6 (2): 32–42. https://ojs.ejournalunigoro.com/index.php/JEMeS.
Azizah, Khusnul, and Naufal Kurniawan Naufal. 2023. “Analisis Produk Pembiayaan Mitraguna Di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu (KCP) Banjarnegara Berdasarkan Fatwa DSN MUI No:04/DSN/MUI/IV/2000 Tentang Murabahah.” Jurnal Ekonomi Manajemen Akuntansi Keuangan Bisnis Digital 2 (2): 137–48. https://doi.org/10.58222/jemakbd.v2i2.484.
Barus, Utary Maharany, Yefrizawati Yefrizawati, Tengku Keizerina Devi Azwar, and Rifany Arbita Lubis. 2021. “Perlindungan Hukum Masyarakat Sebagai Nasabah Pada Akad Pembiayaan Perbankan Syariâ€TM Ah Di Kota Binjai (PT. Bank Syariâ€TM Ah Indonesia Ex. PT. Bank BRI Syariâ€TM Ah Cabang Binjai).” Jurnal Mercatoria 14 (2): 124–30.
Efendi, Rio, and Husni Thamrin. 2021. “Pembiayaan Murabahah Di Pt. Federal International Finance Syariah Pekanbaru.” Jurnal Tabarru’: Islamic Banking and Finance 4 (1): 26–36.
Hafsiah, Zarah. 2020. “Mekanisme Pelaksanaan Pembiayaan Multimanfaat Dengan Akad Murabahah Pada PT. Bank Tabungan Negara Kantor Cabang Syariah Pekanbaru,” 5– 24.
Harahap, M Guffar, Haidir Haidir, and Muhammad Hizbullah. 2023. “IMPLEMENTASI MURABAHAH BIL WAKALAH PRODUK PEMBIAYAAN BSI.” JURNAL ILMIAH EDUNOMIKA 7 (1).
Harahap, Putri Maya Sari, Aswadi Lubis, and Hamni Fadlillah Nasution. 2020. “Analisis Strategi Penanganan Pembiayaan Bermasalah.” Journal of Islamic Social Finance Management 1 (1): 88–103.
Hidayat, Suhidra. 2022. “PERKEMBANGAN SISTEM PERBANKAN SYARIAH ( Studi Pada
Bank Syariah Indonesia KCP. Kuala Tungkal ).” Al-Mizan : Jurnal Ekonomi Syariah. https://api.semanticscholar.org/CorpusID:273133700.
Idrus, Syarifa Mawaddah Al, and Teti Anggita Safitri. 2021. “Analisis Perbandingan Kinerja Bank Umum Konvensional Dan Bank Umum Syariah.” Jurnal MANAJERIAL 20
(2): 299–310. https://doi.org/10.17509/manajerial.v20i2.29379.
Islam, Muhammad Hifdil, and Maula Nasrifah. 2024. “Penerapan Strategi Segmenting, Targeting, Positioning Dalam Meningkatkan Nilai Kualitas Produk Tabungan Prima IB Bank Tabungan Negara Syariah Kcps Probolinggo.” Jurnal Ilmiah Ecobuss 12 (1): 30–43.
Kurnialis, Sri, Zahrotul Uliya, Miftahul Aulasiska, and Muhammad Syahrul Nizam. 2022. “Perkembangan Perbankan Syariah Di Negara Muslim.” Syarikat: Jurnal Rumpun
Ekonomi Syariah 5 (2): 109–19.
Larasati, Retno, and Inal Kahfi. 2020. “Analisis Perkembangan Perbankan Syari’ah Sebagai Landasan Pendidikan Ekonomi Muslim.” JURNAL SERAMBI ILMU. https://api.semanticscholar.org/CorpusID:234618454.
Lestari, Tiara Ayu, and Santi Arafah. 2020. “ANALISIS PEMBIAYAAN DALAM MEMINIMALISIR RESIKO NASABAH GAGAL BAYAR PADA PEMBIAYAAN IB
MUAMALAT MULTIGUNA (Studi Kasus Pada PT. Bank Muamalat Multiguna).” In . https://api.semanticscholar.org/CorpusID:237062271.
Maulana, Hendri, and Ulfah Rahmadani. 2021. “KEUNGGULAN PEMBIAYAAN MULTIGUNA UMKM DENGAN PENERAPAN AKAD MURABAHAH DI PT. BPRS BOGOR
TEGAR BERIMAN.” In . https://api.semanticscholar.org/CorpusID:244964055.
Muchsony, Fajar. 2024. “Pembiayaan Murabahah Pada Perbankan Syariah Di Indonesia.”
Rayah Al-Islam 8 (3): 1524–43.
Mufarida, Ainun, and Rahman Yusri Aftian. 2022. “Pengaruh Pembiayaan Bagi Hasil Dan Pembiayaan Jual Beli Terhadap Profitabilitas Dengan Non Performing Financing (NPF) Sebagai Variabel Intervening.” An-Nisbah: Jurnal Perbankan Syariah 3 (1): 22– 40.
Ningsi, Nur Julia, and Hamzah Hasan. 2020. “Tinjauan Hukum Islam Terhadap Bunga Dalam Pembiayaan Konvensional Dan Margin Dalam Pembiayaan Syariah.” Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syari’ah, 111–20.
Octarina, Rizqa. 2020. “PEMBIAYAAN PENDIDIKAN DI LEMBAGA PENDIDIKAN ISLAM.”
In . https://api.semanticscholar.org/CorpusID:225307515.
P, Sekarini Teguh, Nandang Ihwanudin, and Iwan Permana. 2022. “Tinjauan Fatwa DSN- MUI Nomor . 04 / DSN-MUI / IV / 2000 Dan PBI Nomor . 7 / 46 / PBI / 2005 Terhadap Akad Murabahah Bil Wakalah.” Sharia Economic Law 2 (1): 135–41.
Rokan, Mustapa Khamal. 2022. “Implementasi Akad Murabahah Bil Wakalah Dalam Produk Pembiayaan Kpr Btn Bersubsidi Ib Di Pt. Bank Tabungan Negara (Syariah) Kantor Cabang Syariah Medan.” Journal of Social Research 1 (11): 128–37.
Sukarelwan, Asep Ganjar, Retno Anisa Larasati, and Inal Kahfi. 2020. “Sistem Operasional Internal Bank Syari’ah.” Al-Mujaddid: Jurnal Ilmu-Ilmu Agama 2 (1): 60–70.
Utama, Andrew Shandy. 2020. “Perkembangan Perbankan Syariah Di Indonesia.” UNES Law Review 2 (3): 290–98.
Yaqin, Ainul. 2022. “Fungsi Dan Peranan Bank Syariah Dan Lembaga Keuangan Non Bank.” Center for Open Science.Hafsiah, Zarah. 2020. “Mekanisme Pelaksanaan Pembiayaan Multimanfaat Dengan Akad Murabahah Pada Pt. Bank Tabungan Negara Kantor Cabang Syariah Pekanbaru.” UNIVERSITAS ISLAM NEGERI SULTAN SYARIF KASIM RIAU.
Husein, Nirmala Amelia, and Miswan Ansori. 2024. “Mekanisme Dan Implementasi Pembiayaan KPR BTN Platinum IB Dengan Akad Musyarakah Mutanaqisah Di Bank BTN Syariah KCPS Kudus” 3 (6): 6396–6406.
Irawan, Ahmad Nana. 2019. “Implementasi Produk Multimanfaat Dalam Akad Murabahah (Studi Kasus Di BTN Syariah KCP Serang).” UIN SMH BANTEN.
Marini, Zerli Yuliardi, Khairul Bahrun, and Amir Mukadar. 2021. “Analisis Penerapan Akad Murabahah Pada BMT Al-Amal Kota Bengkulu.” Jurnal Ekonomi Rabbani. https://api.semanticscholar.org/CorpusID:237924396.
Nurhadi, Nurhadi. 2020. “Halal Haram Akad Murabahah Bil Wakalah Pembiayaan Perbankan Syariah.” Yurisprudentia: Jurnal Hukum Ekonomi 6 (1): 75–96.
Ohoirenan, Sufli Fatimah, Imka Nur Asfa, and Anis Arista. 2023. “Implementasi Akad Murabahah Terhadap Produk Pembiayaan Multimanfaat Pada Bank Tabungan Negara (Btn) Syariah Surabaya.” Al-Mizan: Jurnal Kajian Hukum Dan Ekonomi, 155–66.