Main Article Content
Abstract
Bank Muamalat KCP Parepare is one of the Islamic banks whose operational activities implement a murabahah financing system. Regarding murabahah itself, it is clearly regulated in the DSN MUI fatwa No: 04/DSN-MUI/2000, concerning murabahah which states that "banks buy goods needed by customers on behalf of the bank itself and this purchase must be legal and free from usury". Meanwhile, in practice, the bank as the seller gives freedom to the customer to find the desired goods or vehicle for himself.
This research is a field research using a qualitative approach. Data collection techniques used are observation, interviews, and documentation. The data analysis techniques used are data reduction, data presentation, and drawing conclusions.
The results of this study note that the application of property rights in the murabahah contract at Bank Muamalat KCP Parepare where the murabahah object legally belongs to the muamalat bank then a murabahah contract is held with the customer. So that there is a transfer of ownership of the murabahah object that previously belonged to the bank and then became the property of the customer. This is of course in accordance with the fatwa No.04/DSN-MUI/IV/2000 concerning murabahah. The application of ownership rights at Bank Muamalat KCP Parepare can be said to be Al-Milk at-tam (perfect ownership) because after the implementation of the contract and signing of the contract, the murabahah financing object has become the legal property of the customer, meaning there is a transfer of ownership so that all rights and uses related to the object of the contract is fully the power of the customer.
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References
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- Amiruddin, M. M., bin Sapa, N., & Syatar, A. (2020). UNCOVERING WASATHIYAH VALUES ON SHARIA BANKING. Al-Mashrafiyah: Jurnal Ekonomi, Keuangan, Dan Perbankan Syariah, 4(2), 15–28.
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References
Ahmad, A. U. F., & Hassan, M. K. (2007). Riba and Islamic banking. Journal of Islamic Economics, Banking and Finance, 3(1), 1–33.
Amiruddin, M. M., bin Sapa, N., & Syatar, A. (2020). UNCOVERING WASATHIYAH VALUES ON SHARIA BANKING. Al-Mashrafiyah: Jurnal Ekonomi, Keuangan, Dan Perbankan Syariah, 4(2), 15–28.
Bakry, M., Masse, R. A., Arake, L., Amiruddin, M. M., & Syatar, A. (2021). How to attract millennials? Indonesian sharia banking opportunities. WSEAS Transactions on Business and Economics, 18. https://doi.org/10.37394/23207.2021.18.38
Bello, S. A. A., & Hassan, R. B. (2013). Application of ’urf in Islamic and conventional bank. Journal of Arts and Humanities. http://www.theartsjournal.org/index.php/site/article/view/98
Brodmann, J., Rayfield, B., Hassan, M. K., & Thu Mai, A. (2018). Banking characteristics of millennials. Journal of Economic Cooperation and Development, 39(4), 43–73.
Dz., A. S. (2018). Inklusi Keuangan Perbankan Syariah Berbasis Digital-Banking: Optimalisasi dan Tantangan. Al-Amwal : Jurnal Ekonomi Dan Perbankan Syari’ah, 10(1), 63. https://doi.org/10.24235/amwal.v10i1.2813
Ghannadian, F. F., & Goswami, G. (2004). Developing economy banking: the case of Islamic banks. International Journal of Social Economics.
Hasnat, M. A., & Alom, S. (2017). The implementation of Kafalah in Islamic banking and finance organizations in Malaysia. Int J Sci Res Publ, 7(7), 768–777.
Ismawati. (2019). Peran dan Strategi Marketing Funding Dalam Meningkatkan Jumlah Nasabah Penabung Pada Bank Syariah Mandiri KCP Panakukang Kota Makassar. Al-Mashrafiyah, 3(1), 70–82. https://doi.org/https://doi.org/10.24252/al-mashrafiyah.v3i1.7740
Kalsum, U. (2014). Riba dan Bunga Bank Dalam Islam (Analisis Hukum dan Dampaknya Terhadap Perekonomian Umat). Al-’Adl, 7(2), 83–97.
Masse, R. A. (2015). IMPLEMENTASI PRINSIP SYARIAH DALAM AKAD PEMBIAYAAN PERBANKAN SYARIAH DI KOTA MAKASSAR (STUDI PADA BANK MUAMALAT DAN UNIT USAHA SYARIAH BANK PEMBANGUNAN DAERAH SULSELBAR). Universitas Islam Negeri Alauddin Makassar.
Nasional, M. U. Indonesia. D. S., & Indonesia, B. (2006). Himpunan fatwa Dewan Syari’ah Nasional (Vol. 1). Kerjasama Dewan Syariah Nasional, Majelis Ulama Indonesia [dan] Bank Indonesia.
Putri, M. A., & Dewi, M. K. (2011). Developing Salam-Based Financing Product: Indonesian Islamic Rural Bank. Business and Management Quarterly Review, 2(4), 103–112.
Saleh, W., & Ajaj, A. (1992). Unlawful gain and legitimate profit in Islamic law: Riba, Gharar and Islamic banking. Brill.
Shaharuddin, A. (2012). The Bayʿ al-ʿInah Controversy in Malaysian Islamic Banking. Arab Law Quarterly, 26(4), 499–511.
Thakor, A. v. (2020). Fintech and banking: What do we know? Journal of Financial Intermediation, 41(November). https://doi.org/10.1016/j.jfi.2019.100833
Widayatsari, A. (2013). Akad Wadiah dan Mudharabah dalam Penghimpunan Dana Pihak Ketiga Bank Syariah. Economic: Journal of Economic and Islamic Law, 3(1), 1–21.