Conceptual Distortion of Murabahah bil Wakalah and Its Implementation in Islamic Banking in Indonesia
Abstract
The Islamic banking products that are highly relevant to the current market needs include Murabahah bil Wakalah products. However, there is inconsistency between the concept and its implementation in Islamic banking institutions, both banks and non-banks. Therefore, this study aims to examine the distortion of the concept of Murabahah bil Wakalah with its implementation in Islamic banking institutions in Indonesia. Using descriptive qualitative research methods, through library research in collecting data from various sources such as scientific journal articles and Fatwas from the National Sharia Council of MUI. The data obtained were analyzed by literature review comparing the concept and implementation of the Murabahah bil Wakalah contract. The results of this study indicate that there are several distortions found in the concept of Murabahah bil Wakalah with its practice in Islamic banking, particularly in terms of giving representation (wakalah) and ownership issues of the object of the contract, which should rightfully belong to the buyer (Ba’i).
References
Annisaa Hernawati Afrinda, Handoko, W., & Prasetyo, M. H. (2012). Urgensi Penyertaan Akad Wakalah Dalam Pembiayaan Murabahah Pada Lembaga Pembiayaan Syariah. Notarus, 13(1), 240–254.
Bakry, M., & Masse, R. A. (2020). Diskursus Prinsip Syariah dalam Akad Transaksi Murabahah pada Perbankan Syariah Di Makassar. Istinbath, 19(1). https://doi.org/10.20414/ijhi.v19i1.202
Dewan Syariah Nasional (DSN) MUI. (2000a). FATWA DEWAN SYARI’AH NASIONAL NO: 04/DSN-MUI/IV/2000 Tentang MURABAHAH.
Dewan Syariah Nasional (DSN) MUI. (2000b). FATWA DEWAN SYARI’AH NASIONAL NO: 10/DSN-MUI/IV/2000 (pp. 1–4).
Fauziah, F. N., Kosim, A. M., & Lisnawati, S. (2021a). Analisis Implementasi Akad Hybrid Contract Murabahah bil Wakalah di Bank BJB Syariah Kc Bogor Jabar. El-Mal: Jurnal Kajian Ekonomi \& Bisnis Islam, 2(3), 149–160. https://doi.org/10.47467/elmal.v2i3.532
Fauziah, F. N., Kosim, A. M., & Lisnawati, S. (2021b). Analisis Implementasi Akad Hybrid Contract Murabahah bil Wakalah di Bank BJB Syariah Kc Bogor Jabar. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 4(2). https://doi.org/10.47467/elmal.v2i3.532
Herlambang, Y., Azyani, S., Ifghania Farras, Y. E., & Amin, M. F. (2019). Konsep Keadilan Bagi Nasabah dalam Akad Murabahah Bil Wakalah Di Bank Syariah. Amwaluna: Jurnal Ekonomi Dan Keuangan Syariah, 3(2). https://doi.org/10.29313/amwaluna.v3i2.4297
Khasanah, I., & Fauziyah, M. (2021). Analisis Problematika Side Streaming Pada Pembiayaan Murabahah Bil Wakalah Di Perbankan Syariah. Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah, 5(2). https://doi.org/10.30651/justeko.v5i2.10852
Meilia, M., Munandar, A., & Saputri, N. R. (2019). Implementasi Pembiayaan Murabahah Dalam Meningkatkan Kesejahteraan Nasabah (Studi di Bank Syari’ah Mitra Agro Usaha Bandar Lampung). Majalah Ilmiah Bijak, 16(1). https://doi.org/10.31334/bijak.v16i1.320
Mualim, Agustine, H. K., & Hariyani, A. (2021). Islamic Law Overview on Implementation of Murabahah Bil Wakalah on Multi-Purpose Financing Products. Journal of Applied Business, Taxation and Economics Research, 1(2), 193–204. https://doi.org/10.54408/jabter.v1i2.18
Rizaty, M. A. (2022). Total Aset Bank Syariah Capai Rp680,09 Triliun pada Mei 2022. Data Indonesia.Id. https://dataindonesia.id/bursa-keuangan/detail/total-aset-bank-syariah-capai-rp68009-triliun-pada-mei-2022
Wahyudi, A. K. (2019). Konstruksi Hukum Pembiayaan Murabahah Dan Wakalah Dalam Satu Transaksi Pada Bank Btpn Syariah; Telaah Fatwa Dsn-Mui Nomor 04/Dsn-Mui/Iv/2000. AL-MANHAJ: Jurnal Hukum Dan Pranata Sosial Islam, 1(1), 43–56. https://doi.org/10.37680/almanhaj.v1i1.108
Yunita, A. (2018). Problematika Penyertaan Akad Wakalah dalam Pembiayaan Murabahah pada Bank Syariah. Varia Justicia, 14(1), 21–29. https://doi.org/10.31603/variajusticia.v14i1.2024
Zulfiyanda, Z., Faisal, F., & Manfarisah, M. (2020). Akad Pembiayaan Murabahah Bil Wakalah pada PT. Bank Rakyat Indonesia Syariah. Suloh:Jurnal Fakultas Hukum Universitas Malikussaleh, 8(1), 12. https://doi.org/10.29103/sjp.v8i1.2485
Copyright (c) 2023 Samsul, Nasrullah Bin Sapa, Rahman Ambo Masse, Abdul Rizal, Jamaluddin Jamaluddin
This work is licensed under a Creative Commons Attribution 4.0 International License.
