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Analisis Fatwa DSN-MUI tentang Pembiayaan Murabahah terhadap Pembiayaan Modal Usaha PNM Mekaar Syariah

Authors

  • Isfi Rizka Pitsyahara Hukum Ekonomi Syariah, Universitas Islam Bandung
  • Akhmad Yusup Hukum Ekonomi Syariah, Universitas Islam Bandung

DOI:

https://doi.org/10.29313/jres.v3i1.1750

Keywords:

Fatwa DSN-MUI, akad murabahah, Pembiayaan

Abstract

Abstract. Islamic National Civil Capital (PNM) is one of the financial institutions that implements the murabahah financing system. This study aims to determine the concept of murabahah according to the DSN-MUI Fatwa, to determine the practice of financing venture capital with a murabahah contract at PNM Mekaar Syariah Cihampelas branch, and to analyze the DSN-MUI Fatwa NO.04/DSN-MUI/2000 regarding murabahah to capital financing. business at PNM Mekaar Cihampelas branch. This research uses qualitative research with an empirical approach or field research. Research data obtained from the object to be studied by carrying out observations, interviews, and documentation. Based on the results of the study, it was found that most of the implementation of the murabahah contract at PNM Mekaar Syariah was in accordance with the DSN-MUI Fatwa NO.04/DSN-MUI/IV/2000 regarding murabahah. However, there are some things that are still not in accordance with the DSN-MUI Fatwa regarding murabahah, namely the implementation of the murabahah contract with the wakalah contract. In practice, PNM Mekaar Syariah applies the murabahah agreement and the wakalah contract simultaneously, then after the agreement, then the customer is represented in buying goods.

Abstrak.Permodalan Nasional Madani (PNM) Syariah merupakan salah satu lembaga keuangan yang menerapkan sistem pembiayaan murabahah. Penelitian ini bertujuan untuk mengetahui konsep murabahah menurut Fatwa DSN-MUI, untuk mengetahui praktik pembiayaan modal usaha dengan akad murabahah di PNM Mekaar Syariah cabang Cihampelas, dan untuk menganalisis Fatwa DSN-MUI NO.04/DSN-MUI/2000 tentang murabahah terhadap pembiayaan modal usaha di PNM Mekaar Syariah Cihampelas. Penelitian ini menggunakan jenis penelitian kualitatif dengan pendekatan empiris atau penelitian lapangan. Data penelitian diperoleh dari objek yang akan diteliti dengan melaksanakan observasi, wawancara, dan dokumentasi. Berdasarkan hasil penelitian yang diperoleh bahwa sebagian besar pelaksanaan akad murabahah di PNM Mekaar Syariah ini telah sesuai dengan Fatwa DSN-MUI NO.04/DSN-MUI/IV/2000 tentang murabahah. Namun ada beberapa hal yang masih belum sesuai dengan Fatwa DSN-MUI tentang murabahah tersebut yaitu pada pelaksanaan akad murabahah disertai akad wakalah. Pada praktiknya PNM Mekaar Syariah menerapkan kesepakatan akad murabahah dan akad wakalah secara bersamaan, kemudian setelah kesepakatan, barulah nasabah mewakilkan dalam membeli barang.

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References

[1] J. M. dan Hasanudin, Fikih Mu’amalah Maliyah. Prinsip-Prinsip Perjanjian.
[2] J. M. dan Hasanudin, Fikih Muamalah Maliyah: Akad Jual Beli. Bandung: Simbiosa Rekatama Media, 2017.
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Published

2023-07-18