PENERAPAN AKAD MURABAHAH PADA JUAL BELI KREDIT DI PT. PILAR SYARIAH MAKASSAR DALAM PERSPEKTIF HUKUM ISLAM
Abstract
AbstrakPokok permasalahan penelitian ini adalah bagaimana penerapan akad murabahah pada jual beli kredit di PT. Pilar Syariah Makassar dalam perspektif hukum Islam? dengan sub masalah yaitu: 1) Bagaimana sistem jual beli secara kredit pada PT. Pilar Syariah Makassar? 2) Bagaiman sistem jual beli kredit dengan akad murabahah menurut hukum Islam?. Jenis penelitian ini adalah penelitian lapangan (field research) deskriptif kualitatif dengan pendekatan normatif dan pendekatan sosiologis. Sumber data didapatkan dari data primer yaitu wawancara yang di lakukan di PT. Pilar Syariah Makassar. Kedua sumber data sekunder yaitu bersumber dari buku, jurnal dan referensi lainnya yang berkaitan dengan penelitian ini. Metode pengumpulan data yang dilakukan, yaitu observasi, wawancara dan dokumentasi. Sedangkan teknik pengelolaan dan analisis data dilakukan dengan tiga tahap yaitu 1) teknik pengelolaan data 2) teknik analisis data 3) kesimpulan. Hasil penelitian ini menunjukkan bahwa praktik jual beli kredit dengan akad murabahah di PT. Pilar Syariah Makassar telah sesuai dengan hukum Islam dan sejalan dengan Fatwa DSN MUI Nomor 04/DSN-MUI/IV/2000 tentang murabahah.
Kata Kunci: Akad Murabahah, Jual Beli Kredit, Hukum Islam.Abstract
The main problem of this research is how to apply the contract murabaha on buying and selling credit at PT. Makassar Sharia Pillars in the perspective of Islamic law? with sub-problems, namely: 1) What is the system of buying and selling on credit at PT. Makassar Sharia Pillar? 2) What is the credit buying and selling system with a murabaha contract according to Islamic law? This type of research is field research (field research) qualitative descriptive with a normative approach and a sociological approach. Sources of data obtained from primary data, namely interviews conducted at PT. Makassar Sharia Pillar. The second source of secondary data is sourced from books, journals and other references related to this research. Methods of data collection carried out, namely observation, interviews and documentation. Meanwhile, data management and analysis techniques were carried out in three stages, namely 1) data management techniques 2) data analysis techniques 3) conclusions. The results of this study indicate that the practice of buying and selling credit with a contract murabaha at PT. The Makassar Sharia Pillars are in accordance with Islamic law and are in line with the DSN MUI Fatwa Number 04/DSN-MUI/IV/2000 concerning murabaha.
Keywords: Murabaha Contract, Credit Sale and Purchase, Islamic Law.
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