STUDI DESKRIPTIF SHARIA COMPLIANCE: PRODUK MURABAHAH

Qudsi, Feby Syahril (2017) STUDI DESKRIPTIF SHARIA COMPLIANCE: PRODUK MURABAHAH. S1 thesis, Universitas Pendidikan Indonesia.

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Abstract

Sharia compliance dalam kehadirannya menjadi salah satu dari perbedaan antara lembaga keuangan konvensional dan lembaga keuangan syariah, serta menjadi salah satu faktor penting bagi majunya lembaga keuangan syariah. Temuan dari beberapa penelitian sebelumnya menunjukkan bahwa banyak bank syariah yang menggunakan murabahah bil wakalah, yang dimana pihak BMT hanya memberikan dana tanpa adanya follow up setelah pembelian barang oleh anggota, padahal seharusnya BMT memberikan barang yang diinginkan anggota, meskipun bank menggunakan murabahah wal wakalah seharusnya secara prinsip barang yang diinginkan anggota sudah milik bank sepenuhnya. Sebagaimana tertera dalam fatwa DSN MUI NO.04/DSN/-MUI/IV/2000 tentang murabahah pada point i. Murabahah murni sesuai syariah sebagai solusi, sudah seharusnya pihak BMT untuk mengubah pola pembiayaan murabahah, agar produk murabahah patuh terhadap sharia compliance yakni sesuai dengan Al-Quran, hadist dan ijtima’ ulama yang diwakili dalam fatwa DSN MUI. Tujuan dari penelitian ini adalah untuk memperoleh gambaran dan membuktikan secara empirik bagaimana implementasi akad murabahah dan persepsi anggota terhadap sharia compliance produk murabahah di BMT ItQan. Penelitian ini menggunakan metode deskriptif kuantitatif. Populasi dalam penelitian ini adalah anggota BMT ItQan yang berjumlah 887 anggota dan sampel yang diambil sebanyak 89 anggota. Teknik sampling yang digunakan adala simple random sampling. Instrumen penelitian menggunakan kuesioner dan wawancara. Hasil penelitian menunjukkan bahwa implementasi akad murabahah di BMT ItQan dalam kategori yang baik, meskipun terdapat beberapa indikator yang kurang. Tingkat sharia compliance produk murabahah BMT ItQan dalam persepsi anggota saat ini memiliki skor sebesar 68,9 % dan termasuk dalam kategori yang baik dan terdapat kesenjangan indikator yang paling tinggi sebesar 60,8% adalah objek yang diperjualbelikan harus ada penandatangan akad dan indikator barang murabahah milik penuh dari pihak lembaga keuangan syariah sebesar 41,8 %. Penelitian ini memiliki implikasi penting bagi pihak BMT ItQan untuk melakukan negosiasi harga barang ketika akad telah dibuat sehingga pemohon bisa menentukan harga barang dan margin atau keuntungan untuk BMT serta sudah selayaknya BMT menggunakan pola murabahah murni sesuai syariah yang dimana BMT memberikan barang yang dibutuhkan anggota. Sebagai saran dan masukan, penelitian ini (sharia compliance produk murabahah) diharapkan bisa sebagai bahan rujukan dan koreksi ketika melakukan kegiatan usahanya di masa mendatang. Kata Kunci: Sharia compliance, Murabahah, Fatwa dewan syariah nasional majelis ulama Indonesia (DSN-MUI). ABSTRACT Sharia compliance in his presence became one of the difference between conventional financial institutions and sharia financial institutions, as well as being a one factor important for the advance of sharia financial institutions. Findings from several previous studies showed that many Islamic banks which use the murabaha bil wakalah, whereby parties BMT gives only the funds without any follow-up after the purchase of the goods BMT customer, even though the bank uses murabaha wal wakalah should in principle desirable goods the customer already bank owned completely. As stated in fatwa DSN-MUI No. 04/DSN-MUI/IV/200 on muarabaha on point i. Murabaha sharia according as pure solutions, was supposed to change the pattern of BMT party financing murabaha, so after the murabaha products with Al-Quran, Hadist and Ijtima’ ulama represented in fatwa DSN-MUI. The purpose of this research is to gain an overview of the empirical basis and prove how murabaha contract implementation and the perception of the customer against the sharia compliance products of murabaha BMT ItQan. This research uses descriptive quantitative methods. The population in this research is a member of BMT ItQan totalling 887 members and samples taken for as much as 89 members. The sampling technique used was simple random sampling. Instrument research using questionnaires and interviews. The results showed that the implementation of the covenant in murabaha BMT ItQan in categories are good, although there are some aspects that are less. Sharia compliance level product murabaha BMT ItQan in the perception of the current members have score amounted to 68,9% included in the categories that are good and there is a gap the highest indicators of 60,8% whose objects is supplied there must be a signatory to the contract and the goods in full possession of the murabaha party Islamic financial institutions amounted to 41,8%. This research has important implications for the BMT ItQan for negotiating the price of goods when the contract has been made so that applicant can determine prices and margins of profits for BMT as well as already appropriately, BMT using pure sharia according murabaha patterns which give the required goods BMT member. As advice and input, this research (sharia compliance products murabaha) is expected to be as reces and correction when conducting his business in the future. Key words: Sharia compliance, Murabaha, Fatwa Council of the National Assembly of the Islamic ulama Indonesia (DSN-MUI).

Item Type: Skripsi,Tesis,Disertasi (S1)
Additional Information: No. Panggil : S EKI QUD s-2017; Pembimbing : I. Disman, II. Juliana; NIM : 1302103
Uncontrolled Keywords: Sharia compliance, Murabahah, Fatwa dewan syariah nasional majelis ulama Indonesia (DSN-MUI)
Subjects: B Philosophy. Psychology. Religion > BP Islam. Bahaism. Theosophy, etc
Divisions: Fakultas Pendidikan Ekonomi dan Bisnis > Ilmu Ekonomi dan Keuangan Islam
Depositing User: Mrs Lisna Nurhalisma
Date Deposited: 28 Aug 2018 02:24
Last Modified: 28 Aug 2018 02:24
URI: http://repository.upi.edu/id/eprint/31327

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