MENYOAL KONSEP MURÂBAHAH DAN BAY’ BI TSAMAN ‘AJIL DALAM PERBANKAN ISLÂM
Abstract: In Indonesia,
Syarî’ah banking is
not genuinely born from
the “womb” of Islam.
However, it is the
result of the
interference of western
system and converted from
conventional bank. This article is to describe
the terms of
Murabahah and bay’
bi tsaman ’ajil conceptually and
substantially. In fiqh, the term of
murabahah and bay’
bi tsaman ‘ajil
are derived from the word bay’
(purchase and sale), yet the term seems
ambiguous from the
perspective of product of
banking. Consequently, it
turns up a
doubtful concept if it
matches conceptual and
substantial term.
Theoretical concept of
murabahah and bay’
bi tsaman ‘ajil is not as simple as the practical one. The practical
apllication of murabahah and bay’
bi tsaman ‘ajil is
in a dilemma:
firstly, in Islamic
banking murabahah and bay’
bi tsaman ‘ajil
function as financial facilitator
not a finacial
vendor. This is alike
to conventional banking.
Secondly, in the transaction of murabahah and bay’ bi tsaman ‘ajil, the credit system appears, unfortunately, it
refers to the rate of interest.
Penulis: Holis Rahbini
Kode Jurnal: jphukumdd110254
