APLIKASI PEMBIAYAAN MURABAHAH PRODUK KPRS DI PERBANKAN SYARI’AH
Abstract views: 197
,
pdf downloads: 204
Abstract
ribâwi dalam aktifitas ekonomi. Namun bank-bank syari’ah
dalam melaksanakan kegiatan usahanya tidak menghapuskan
bunga dan membagi risiko, tetapi mempertahankan praktik
pembebanan bunga, terbukti bank syari’ah, produk pembiayaan
80 sampai 95 persen menggunakana mekanisme murabahah.
padahal yang menjadi karakteristik bank syari’ah adalah harus
didasarkan kepada Profit and Loss Sharing (PLS), bukan
berdasarkan pada prinsip bunga. Murabahah adalah mirip
dengan sistem bunga, karena perubahan dari sistem berbasis
bunga menuju sistem mark-up hanyalah sekedar perubahan
nama, tanpa mengubah substansi. Dalam kasus ini, pelaksanaan
pembiayaan murabahah KPR syari’ah dalam bank syari’ah dilihat
mekanisme dan ketentuan akad murabahah telah memenuhi
prinsip-prinsip syarî’ah, walaupun dalam penentuan margin
dalam transaksi ini masih mengacu kepada komponenkomponen
penentuan bunga yang digunakan dalam bank
konvensional. Komponen-komponen tersebut cost of found,
overhead cost, premi risiko, dan jangka waktu.
Downloads
Publishing your paper with Al Ihkam (Jurnal Hukum & Pranata Sosial/Journal of Law & Social Studies) means that the author or authors retain the copyright in the paper. Al Ihkam granted an exclusive non commercial reuse license by the author(s), but the author(s) are able to put the paper onto a website, distribute it to colleagues, give it to students, use it in your thesis etc, so long as the use is not directed at commercial advantage or toward private monetary gain. The author(s) can reuse the figures and tables and other information contained in their paper published by Al Ihkam in future papers or work without having to ask anyone for permission, provided that the figures, tables or other information that is included in the new paper or work properly references the published paper as the source of the figures, tables or other information, and the new paper or work is not direct at private monetary gain or commercial advantage.
Al Ihkam journal (Journal of Law & Social Studies) provides immediate open access to its content on the principle that making research freely available to the public supports a greater global exchange of knowledge. This journal is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.This license lets others remix, tweak, and build upon your work non-commercially, and although their new works must also acknowledge & be non-commercial, they don’t have to license their derivative works on the same terms.
Al Ihkam journal Open Access articles are distributed under this Creative Commons Attribution-ShareAlike 4.0 International License (CC BY-SA). Articles can be read and shared for noncommercial purposes under the following conditions:
- BY: Attribution must be given to the original source (Attribution)
- NC: Works may not be used for commercial purposes (Noncommercial)
.png){kind=logo}
