Ekonomi Syari’ah: Tinjauan Kritis Produk Murabahah dalam Perbankan Syari’ah di Indonesia
Abstract: The term “Murabaha”
refers to contracts in which a financial institution purchases goods upon the
request of a client, who makes deferred payments that cover costs and
agreed-upon profit margin for the financial institution. The financial
institution handles payment to a supplier and the incidental expenses of
delivery (against a deferred payment made by the buyer to cover delivery costs
and agreed-upon share of the buyer’s mark-up). Murabaha is the most widely used
instrument of Islamic banking with seventy-five percent of total contract being
murabaha based. It is widely used in consumer and corporate financing as well
as in subordinated or term financing. The aim of this paper is to review and
analyze the murabaha contract, the most important investment mechanism in
Islamic banking today both in its theoretical and practical aspects.
Keywords: murabahah, ekonomi,
perbankan, syariah, produk
Penulis: Anita Rahmawaty
Kode Jurnal: jpperadabanislamdd070046
