MEMURABAHAHKAN MURABAHAH (STUDI KASUS PADA BPR SYARIAH ”X” DI JAWA TIMUR)
| Main Authors: | FIDIANA, FIDIANA, RETNANI, ENDANG DWI, NGUMAR, SUTJIPTO |
|---|---|
| Format: | Proceeding PeerReviewed application/pdf |
| Bahasa: | eng |
| Terbitan: |
, 2014
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| Subjects: | |
| Online Access: |
http://repository.stiesia.ac.id/717/1/Full%20paper%20FIDIANA%20in%20english%20ISC-%202014.pdf http://repository.stiesia.ac.id/717/ |
Daftar Isi:
- This study examines agreement or contract aspects of consumtive murabahah on one of the Islamic banking in East Java, namely BPR Sharia-X to its conformity with the principles of sharia, from the Islamic perspective. BPR Sharia is selected based on consideration that conventional banks are generally more obedient because they feel controlled by regulations (the government) and public in the sense that customers of conventional bank are generally more educated in understanding of banking rules. While customer of BPR Sharia is facing financial problem, they are less concerned to the rules and focus more on how to get a loan immediately. This study used a qualitative approach. Data is collected by observing of documents and interviews. Based on interviews with informants that are Managing Director, front liner staff, and the accounting staff as well as one of the customers, this study found some discrepancies of murabaha consumptive practices law with the sharia such as the bank acts as a provider of funds, rather than acting as a seller. Buying and selling is done by the customer and the supplier and the bank serves as a funder. Transactions between customers and suppliers are not accompanied by wakalah contracts. In addition, discount for early settlement of payment of penalties for late payment agreed upon at the beginning of the contract. These methods certainly not suitable in accordance with the mandate of sharia. This phenomenon represents that practices being murabaha is another form of conventional banking by borrowing Islamic sharia labels.