MURABAHAH, ANTARA TEORI DAN PRAKTEK
ABSTRACT: Islamic bankers
assume that an Islamic bank is a bank that is free from riba. Furthermore,
conventional banks as the bank alleges that does not comply with the principles
of Islamic prisnip. This naturally raises the question, what is like that. Some
scientists doubt munslim statement. In fact, there is a presumption of Islamic
banks is just trickery to gain profit. Also some say Islamic banking and
conventional banking is not just twins, but are conjoined twins. One contract that
much attention is murabahah. Akad murabahah is a superior product in Islamic
banks as a clear advantage and the risk of loss can be minimized. According to
the study, 60-70% of the amount of financing extended by Islamic banks (both
Islamic banks and BMT). Of course, this is reasonable since the establishment
of Islamic banks, as conventional banks are profit-oriented. However, Islamic
banks do not practice it much different from conventional banks, both do not
want to lose. Because profit is determined by Islamic banks, where customers
can not haggle Profit must be obtained. This ultimately hurt the principle of
voluntarism and mutual fairness in the contract. If it is lost, then the
contract does is batil and zalim.
Keyword: murabah}ah, teory,
practice
Penulis: Muh. Sholihuddin
Kode Jurnal: jpperadabanislamdd130077
