Risiko Akad dalam Pembiayaan Murabahah pada BMT di Yogyakarta (dari Teori ke Terapan)
Abstract: This research aim to
know the practice of murabahah financing, any kind of risk which is related to
murabahah financing, how to manage the risk of murabahah financing, and how is
perpective of Moslem law to practice of murabahah financing at BMT in
Yogyakarta. This research done by field research by using desain qualitative.
In this research, its data collecting by use the documentation and interview
technique. As for location becoming this research is : BMT Dana Insani, BMT
Amratani Sejahtera, and BMT Bina Ihsanul Fikri (BIF) Nitikan. Result of this
research indicate that : (1) practice of murabahah financing at BMT used for
the purchasing of consumer goods / capital goods which is payment in instalment
or fall due; (2) not all risk of murabahah financing have been experienced by
third BMT, BMT Dana Insani have never experienced of the risk which is related
to object and risk which is related to member while BMT BIF Nitikan have never
experienced of the risk which is related to just object; (3) third BMT have
different way of each other in managing risk which is related to murabahah
financing; and (4) most concept and execution of murabahah financing at third
BMT have as according to principles syari’ah.
Keywords: risiko, akad,
murabahah, BMT
Penulis: Asmi Nur Siwi
Kusmiyati
Kode Jurnal: jpperadabanislamdd070053
