Penetapan Harga Jual Produk Murabahah Studi Kasus di BMT Rama Salatiga

Annisa, Arna Asna

doi:10.18326/muqtasid.v4i2.239-266

Cited by 6 publications

(8 citation statements)

References 1 publication

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“…Seiring dengan hal tersebut, lembaga keuangan syariah yang ruang lingkupnya mikro yaitu Baitul māl wattamwil (BMT) juga semakin menunjukkan eksistensinya. (Annisa, 2013) Lembaga keuangan syariah hadir sebagai wujud perkembangan aspirasi masyarakat yang menginginkan kegiatan perekonomian dengan berdasarkan prinsip syariah, selain lembaga keuangan konvensional yang telah berdiri selama ini.…”

Section: Bab I Pendahuluan a Latar Belakangunclassified

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Produk Dan Akad BMT

Riskayanti¹

2021

Preprint

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Section: Bab I Pendahuluan a Latar Belakangunclassified

“…Sedangkan murabahah sendiri merupakan akad yang paling dominan digunakan dalam transaksi jual beli.Dari beberapa hasil survey menunjukkan bahwa bank syariah menerapkan produk murabahah kurang lebih tujuh puluh lima persen (75%) dari total kekayaan mereka. (Annisa, 2013) 3…”

Section: Bab I Pendahuluan a Latar Belakangunclassified

Produk Dan Akad BMT

Riskayanti¹

2021

Preprint

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“…Therefore, the method of determining the selling price based on the target of return pricing and mark up pricing can be used by making modifications. According to Annisa (2013), the determination method exists and namely "the determination of target pricing for Islamic finance and the application of mark up pricing in Islamic finance".…”

Section: Set Approach In Realizing the Murabahah Contract Margin System In Accordance With Sharia Principlesmentioning

confidence: 99%

“…According to Bank Indonesia in an ideal buying and selling transaction, Islamic banks must be able to calculate and separate real costs and the level of profit desired by the bank as a basis for determining margins. However, Annisa (2013) argues that "profit margins in buying and selling transactions are still benchmarked against interest rates because there is no database on benchmarking the accurate acquisition and handling costs of commodity groups as margin determination indicators". According to Anggadini (2011), that "the method of payment and the time period agreed upon together, can be directly or in installments".…”

Section: Set Approach In Realizing the Murabahah Contract Margin System In Accordance With Sharia Principlesmentioning

confidence: 99%

SYARI'AH OPTIMIZATION OF BUSINESS THEORY IN PREVENTING RIBA PRACTICES IN MURABAHAH CONTRACT (Case Study at Muamalat Indonesian Bank)

Muchlis¹

2019

IJIBE

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This study aims to (1) determine the determination of the murabahah contract margin from the Asset / Liability Management Committee (ALCO) perspective, (2) know the Shari'ah Enterprise Theory (SET) approach in realizing the murabahah contract margin system in accordance with sharia principles. This research is a qualitative research using an interpretive paradigm with a phenomenological approach that takes the location of research at Bank Muamalat Indonesia. Data collection was carried out using the interview method with informants and some other secondary supporting data obtained from the entity's official website. The data management and analysis techniques are carried out through three stages, namely through data reduction, data presentation and conclusion drawing (verification).The results of the research show that the implementation of the Murabahah contract margin system at Bank Muamalat Indonesia is considered not to have fully implemented the sharia concepts and principles. This is because the ALCO Team is still based on the BI (Bank Indonesia) rate so that the determination of margins is still in accordance with the prevailing interest rates at Bank Indonesia. Thus, it can be said that Bank Muamalat still contains elements of usury because it makes BI interest rates as a material consideration in determining the applicable margin in Islamic banks. So that SET is considered able to realize the murabahah contract margin system because it contains the values of justice, truth, honesty, trustworthiness and accountability and is expected to complement or improve the margin system of the murabahah agreement to conform to the actual sharia principles.

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“…The murabaha contract's dominance in sharia banks have drawn criticism from the general public. When it comes to determining margins, banks still set the margins unilaterally and employ the cost of fund principle --the foundation of conventional bank loans [8]. On top of that, use of the wakala contract to complement the contract also draws criticism since the bank does not purchase the customer's desired item; rather, it has the customer represent it in purchasing the goods along with a transfer of money from the bank's account to the customer's.…”

Section: Introductionmentioning

confidence: 99%

The Implementation of Sharia Compliance in the Murabaha Contract

Ghozali¹,

Zeid²,

Prastyaningsih³

et al. 2020

Proceedings of the 2nd Social and Humaniora Research Symposium (SoRes 2019)

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Murahaba contract is a contract that predominates all financing in sharia banking. The prudential principle on risk and loss forms the background in sharia banks' choosing the murabaha contract as the preferred contract. The murabaha contract as applied by sharia banks has been modified and adapted to suit today's conditions. However, it is these modifications that sometimes cause sharia banks to lack compliance with Islamic principles. This research is a literature study by inductive analysis from which a conclusion can then be drawn. It may be concluded from the research that the factors that cause a lack of compliance in sharia banks include differing definitions from different regulators, which give rise to different understandings, and a representation in the purchase of goods.

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Penetapan Harga Jual Produk Murabahah Studi Kasus di BMT Rama Salatiga

Abstract: This thesis is entitled Selling Price Regulation of Murabahah Product

Cited by 6 publications

References 1 publication

Produk Dan Akad BMT

Produk Dan Akad BMT

SYARI'AH OPTIMIZATION OF BUSINESS THEORY IN PREVENTING RIBA PRACTICES IN MURABAHAH CONTRACT (Case Study at Muamalat Indonesian Bank)

The Implementation of Sharia Compliance in the Murabaha Contract

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