AHMAD, AUFAR GHOZIAN (2023) KESESUAIAN PELAKSANAAN PEMBIAYAAN MURABAHAH PADA BANK JATENG SYARIAH KCPS PURBALINGGA DENGAN FATWA DSN-MUI. S1 thesis, Universitas Muhammadiyah Purwokerto.

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Abstract

Murabahah financing is a common product in Islamic banking. This product, which is based on the concept of buy and sell (murabahah), offers various benefits such as flexibility, high financing limits, and long-term durations. The easy application process also contributes to making this product the number one choice in Islamic banks.
Murabahah financing is one of the products offered by Bank Jateng Syariah KCPS Purbalingga. The aim of this research is to examine the compatibility of murabahah financing implementation at Bank Jateng Syariah KCPS Purbalingga with the Fatwa
DSN-MUI related to the murabahah contract.
This study adopts a field research approach, with Bank Jateng Syariah KCPS
Purbalingga as the research object. Data collection is conducted through interviews,
observations, and documentation. Data analysis is performed interactively alongside
data collection and continues until reaching a conclusion.
The findings of this research indicate two inconsistencies in the implementation of
murabahah financing at Bank Jateng Syariah KCPS Purbalingga with Fatwa DSN-MUI.
Firstly, it relates to the utilization of financing as regulated in Fatwa DSN-MUI NO: 04/DSNMUI/ IV/2000 on Murabahah, where there are cases of contract violations by customers, such as the misuse of financing purposes. Secondly, it concerns the application of discounts on
murabahah objects as regulated in Fatwa DSN-MUI NO: 16/DSN-MUI/IX/2000 on Discounts in Murabahah. In practice, Bank Jateng Syariah KCPS Purbalingga does not provide discounts
to customers when using the murabahah bi-wakalah contract, leading customers to directly search for desired objects.

Dosen Pembimbing:	ISTIANAH, ISTIANAH | nidn 0620078602
Item Type:	Thesis (S1)
Uncontrolled Keywords:	Murabahah, Financing, Fatwa DSN-MUI, Bank Jateng Syaria
Subjects:	B Philosophy. Psychology. Religion > BP Islam. Bahaism. Theosophy, etc L Education > L Education (General)
Divisions:	Fakultas Agama Islam > Pendidikan Agama Islam S1
Depositing User:	Catur Indra Himawan
Date Deposited:	23 Jan 2024 02:43
Last Modified:	15 May 2024 06:36
URI:	http://repository.ump.ac.id/id/eprint/16188

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