ANALISIS PENETAPAN MARGIN SISTEMIK DALAM AKAD MURABAHAH PERSPEKTIF HUKUM EKONOMI SYARIAH
Keywords:
Keywords: Murabahah, Systemic Margin, Islamic Economic Law.Abstract
BMT (Baitul Maal wat Tamwil) has two main functions, namely Baitul Maal which focuses on collecting non-profit funds (zakat, infaq, sedekah) and Baitul Tamwil which is engaged in commercial activities. One of the most dominant financing products in BMT is the Murabahah contract. However, the practice of determining the Murabahah margin at BMT Maslahah Sidogiri, Sumberjambe Branch, Jember Regency is carried out systematically based on the central SOP, thus potentially causing problems of fairness and transparency. This study aims to analyze the practice of determining the systemic margin in the Murabahah contract at BMT Maslahah Sidogiri, Sumberjambe Branch, Jember Regency, and review the fairness and transparency of the margin determination from the perspective of Sharia Economic Law. The research method used was a qualitative approach with a case study type, namely research that aims to deeply understand a particular object, event, or phenomenon in a real context. This research was conducted through observation, interviews, and documentation. Then, it was analyzed using qualitative descriptive analysis techniques. The results showed that margin determination was carried out uniformly with a standard of 2.5%–3% per month, while still allowing for negotiation between the BMT and the customer. According to Sharia, this practice has fulfilled the pillars and requirements of the Murabahah contract and reflects the principles of fairness and transparency. However, optimization in information delivery and increased understanding among customers are needed to strengthen the implementation of Sharia principles.
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