TINJAUAN HUKUM ISLAM TERHADAP PENERAPAN AKAD MURABAHAH DAN WAKALAH PADA PEMBIAYAAN MURABAHAH (STUDI PADA PT. BPRS MARGIRIZKI BAHAGIA YOGYAKARTA DAN PT. BPRS CAHAYA HIDUP YOGYAKARTA)

IRHAMNA UTAMY, S.H., NIM. 19203010044 (2021) TINJAUAN HUKUM ISLAM TERHADAP PENERAPAN AKAD MURABAHAH DAN WAKALAH PADA PEMBIAYAAN MURABAHAH (STUDI PADA PT. BPRS MARGIRIZKI BAHAGIA YOGYAKARTA DAN PT. BPRS CAHAYA HIDUP YOGYAKARTA). Masters thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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	Text (TINJAUAN HUKUM ISLAM TERHADAP PENERAPAN AKAD MURABAHAH DAN WAKALAH PADA PEMBIAYAAN MURABAHAH (STUDI PADA PT. BPRS MARGIRIZKI BAHAGIA YOGYAKARTA DAN PT. BPRS CAHAYA HIDUP YOGYAKARTA)) 19203010044_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf - Published Version Restricted to Registered users only Download (5MB)

Abstract

This thesis examines the application of murabahah and wakalah contracts in murabahah financing. The background of the research is the merging of murabahah contracts with wakalah contracts. In the implementation of murabaha financing, the bank acts as a seller as well as a provider of funds. Therefore, murabahah financing goods are purchased on behalf of the bank by the bank and then resold to the customer. This financing is called murabahah bil wakalah, because of the power granted by BPRS Margirizki Bahagia and BPRS Cahaya Hidup Yogyakarta in the purchase of assets or goods for financing commodities. The purpose of this study was to evaluate the practice of murabahah financing using wakalah contracts. This type of research is field research using qualitative which is carried out in a descriptive analysis with a juridical and normative approach. Data obtained through interviews with the parties concerned with murabahah financing officers at PT. BPRS Margirizki Bahagia and PT. The Light of Life BPRS. The results of this study indicate that PT. BPRS Margirizki and PT. BPRS Cahaya Hidup Yogayakarta has not yet fully implemented the implementation of murabahah financing in accordance with the provisions of the DSN-MUI Fatwa regarding the sale and purchase of murabahah and wakalah. The signing of the Murabahah financing agreement is carried out simultaneously with the wakalah contract resulting in the ownership of the commodity or asset not being legally owned by the BPRS. The implementation of Murabahah financing at the two BPRS violated sharia principles so that the contract became fasid and canceled.

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