PRAKTIK AKAD MURABAHAH BIL WAKALAH PADA PEMBIAYAAN KONSUMTIF DI KOPERASI KARYAWAN SABILAL MUHTADIN BANJARMASIN
Abstract
Abstrak
Koperasi Karyawan Sabilal Muhtadin Banjarmasin (Kopkar SMB) memiliki produk pembiayaan yang pada awalnya masih menerapkan prinsip konvensional, namun atas dasar kesadaran dari para anggota untuk bermuamalah secara syariah, praktik pembiayaan diubah menggunakan akad murabahah bil wakalah dengan skema akad berdasarkan arahan dari salah satu anggota. Sehingga diperlukan penelitian yang bertujuan untuk mengetahui apakah praktik akad tersebut telah sesuai dengan prinsip syariah. Penelitian ini merupakan jenis penelitian hukum empiris. Hasil penelitian menunjukkan bahwa akad murabahah bil wakalah yang dilaksanakan belum sesuai dengan prinsip syariah karena akad wakalah dan murabahah dilaksanakan berurutan dalam satu waktu, pembelian barang dilaksanakan atas nama anggota, dan barang tidak diserahterimakan saat akad berlangsung. Ketidaksesuaian ini menyebabkan tidak terpenuhinya syarat murabahah, yaitu objek jual beli dimiliki penjual secara penuh dan dapat diseraterimakan, sehingga akad menjadi tidak sah.
Kata Kunci: Murabahah bil Wakalah, Koperasi, Pembiayaan.
Abstract
Sabilal Muhtadin Banjarmasin Employee Cooperative (Kopkar SMB) has financing product which initially still applied conventional principles, but based on the awareness of the members to practice in accordance to sharia, financing in practice has changed to using murabahah bil wakalah contract scheme based on instructions from one of the members. Research is needed to find out whether contract practices are in accordance with sharia principles. The type of this research is empirical legal research. The research results show that the murabahah bil wakalah contract implemented is not in accordance with shariah principle because the wakalah and murabahah contracts are implemented sequentially at one time, purchase of goods is carried out in the name of the member, and goods are not handed over at the time contract take places. This discrepancy causes the murabahah terms to not be fulfilled, namely the object of sale and purchase is fully owned by the seller and can be handed over, so the contract becomes invalid.
Keywords: Murabahah bil Wakalah, Cooperative, Financing.
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