TINJAUAN HUKUM ISLAM TERHADAP PENERAPAN AKAD MURABAHAH PADA PEMBIAYAAN OTO BERKAH
Abstract
Abstrak
Penelitian ini membahas tentang Tinjauan Hukum Islam Terhadap Penerapan Akad Murabahah Pada Pembiayaan OTO Berkah Bank Syariah Mandiri KCP Gowa. Dengan rumusan masalah yaitu: Bagaimana penerapan akad murabahah pembiayaan OTO Berkah PT. Bank Syariah Mandiri KCP Gowa dan Bagaimana pandangan hukum Islam tehadap penerapan akad murabahah terhadap pembiayaan OTO Berkah PT. Bank Syariah Mandiri KCP Gowa. Jenis penelitian ini tergolong kualitatif dengan pendekatan penelitian yang digunakan adalah yuridis empiris. Adapun sumber data penelitian ini adalah Brand Manajer dan Sales Force Bank Syariah Mandiri KCP Gowa. Selanjutnya, metode pengumpulkan data yang digunakan adalah observasi, wawancara, dokumentasi. Lalu, teknik pengolahan dan analisis data dilakukan dengan melalui tiga tahapan, yaitu: klarifikasi data, reduksi data dan editing data. Hasil penelitian ini menunjukkan bahwa Bank Syariah Mandiri KCP Gowa menggunakan Akad Murabahah pada produk pembiayaan OTO Berkah yang ditawarkan oleh pihak Bank Syariah Mandiri kepada Nasabah. Kesesuaian Fatwa DSN-MUI Nomor 04/DSN-MUI/IV/2000 Tentang Murabahah dengan praktik pada Bank Syariah Mandiri KCP Gowa menyimpulkan bahwa praktik akad murabahah pada bank sudah sesuai dengan 9 (sembilan) ketentuan dalam penerapan akad murabahah dari fatwa DSN MUI.
Kata Kunci : Akad Murabahah, Hukum Islam, Pembiayaan.
Abstract
This research discusses the Review of Islamic Law on the Application of Akad Murabahah on THE Financing of OTO Berkah Bank Syariah Mandiri KCP Gowa. With the formulation of the problem, namely: How to apply murabahah financing agreement OTO Berkah PT. Bank Syariah Mandiri KCP Gowa and How islamic law views the application of murabahah agreement to the financing of OTO Berkah PT. Bank Syariah Mandiri KCP Gowa. This type of research is classified as qualitative with the research approach used is empirical juridical. The source of this research data is Brand Manager and Sales Force of Bank Syariah Mandiri KCP Gowa. Furthermore, the methods of collecting data used are observations, interviews, documentation. Then, data processing and analysis techniques are carried out through three stages, namely: data clarification, data reduction and data editing. The results of this study showed that Bank Syariah Mandiri KCP Gowa uses Akad Murabahah in OTO Berkah financing products offered by Bank Syariah Mandiri to Customers. Conformity of DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 On Murabahah with practices at Bank Syariah Mandiri KCP Gowa concluded that the practice of murabahah agreements on banks was in accordance with 9 (nine) provisions in the application of murabahah agreements from the MUI DSN fatwa.
Keywords: Islamic Law, Murabahah, Financing.
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