Implementation Of The Wakalah Wal Murabahah Agreement In PT. Future Package Financing
Keywords:
Implementation, Future Package Financing Products, Wakalah Wal Murabahah AgreementAbstract
In general, Future Package Financing (PMD) is a product from BTPN Syariah which is given to underprivileged women in rural areas who can be used for business development. PMD uses a wakalah wal murabahah contract. This research aims to find out about the implementation of the wakalah wal murabahah agreement in PT Future Package (PMD) financing products. BTPN Syariah KCP Panyabungan. The research approach used in this research is descriptive qualitative with data collection methods, namely using observation, interviews and documentation studies. The results of the research concluded that the implementation of the wakalah wal murabahah agreement in PT Future Package (PMD) financing. BTPN Syariah KCP Panyabungan uses DSN-MUI Fatwa No. 4 of 2000 concerning Murabahah, as a legal basis, there is a discrepancy, because the murabahah contract is executed before the wakalah contract. And the object of the contract is only in the form of money, the bank only offers a limit for money loans, not buying and selling (murabahah), the profit sharing margin is 30% which is taken not from profits from buying and selling goods (murabahah) so it is the same as borrowing money at conventional banks.
Downloads
References
Abdul Rahman Ghazaly, G. I. and S. S. (2010). Muamalat Fiqh. Prenada Media.
Abu Azam Al Hadi. (2017a). Contemporary Muamalah Fiqh. PT. Raja Grafindo Persada.
Abu Azam Al Hadi. (2017b). Contemporary Muamalah Fiqh. PT. Raja Grafindo Persada.
Ahmad Wardi Muslich. (2010). Muamalah Fiqh. Amzah.
Ali, Z. (2008). Sharia Banking Law. Graphic Rays.
Ani Yunita. (2015). Study of Murabahah Financing Agreements on the Implementation of Sharia Principles in Sharia Banks in Indonesia.
Annisa Dwi Antari. (2018). Implementation of Wakalah Agreement in Murabahah Financing at BPRS Aman Syariah Sekampung District. IAIN Metro.
Antonio, M. S. (2000). Sharia Banking A General Introduction. Tazkia Institute.
Anwar, S. (2007). Sharia Contract Law Study of Contract Theory in Muamalah Fiqh. Rajawali Press.
Arikunto, S. (2000). Research Management. Rineka Cipta.
Ascarya. (2008). Sharia Bank Agreements and Products. PT. Raja Grafindo Persada.
Azhari Akmal Tarigan. (2015a). UINSU Islamic Faculty and Business Thesis Writing Guidebook. Febi Press.
Bint Nur Aisyah. (2014). Sharia Bank Financing Management. Kalimedia.
Deby Chintya Harahap. (2020). Analysis of the Implementation of the Murabahah Bil Wakalah Agreement in BSM Implant Financing Products (Case Study of Bank Syariah Mandiri Binjai Branch. UIN SU.
Republic of Indonesia Department of Religion. (2012a). AL-Qur'an and Translation. CV. Diponegoro Publishers.
Republic of Indonesia Department of Religion. (2012b). Al-Quran and Translation. CV. Diponegoro Publishers.
Eka Rizky Saputra. (2015). Inclusion of Wakalah Agreements in Murabahah Financing (Study at BNI Syariah Kendari Branch). IAIN Kendari.
Feni Triana. (2019). Implementation of Wakalah Agreement Inclusion in Murabahah Financing at PT. Bank SUMUT Syariah CAPEM HM. Joni Medan. UINSU.
Fetria Eka Yudiana. (2014). Sharia Bank Financing Management. STAIN Salatiga Press.
Ghazali, A. R. (2010). Muamalat Fiqh. Kencana.
Haryo Normala Meiliano, B. H. (2018). Implementation of the Wakalah Agreement in Murabahah Financing. Implementation of the Wakalah Agreement in Murabahah Financing. http://ejournal.undip.ac.id/index.php/mmh/article/view/17557
Nana Syaodih Sukmadinata. (2011). Educational Research Methods. Bandung Youth Rosdakarya.
Nawawi and Martini. (1966). Applied Research (2nd ed.). Gajah Mada University Press.
Nur Ahmadi Bi Rahmani. (2016). Economic Research Methodology. Febi UIN-SU Press.
Patlima, H. (2013). Qualitative Method. Alphabet.
Prabowo, B. A. (2012). Legal Aspects of Murabahah Financing in Sharia Banking. UII Press.
Rahmani, N. A. B. (2016). Research methodology. Febi UIN-SU Press.
Rizal, M. R. B. and M. (2018). Syariah banking. EmpatDua Media.
Sujarweni, W. (2019). Research methods. New Library Press.
Widjajaatmadja, D. A. R. (2019). Murabahah Financing Agreement at a Sharia Bank in the Form of an Authentic Deed. Media Intelligence.
Wiyono, G. (2011). Designing Research with SPSS 17.0 & SmartPLS 2.0 Analysis Tools. Publishing Unit.
Yassar Wildantyo. (2016). APPLICATION OF MURABAHAH BIL WAKALAH AGREEMENT IN MICRO FINANCING AT BRI SYARIAH KCP KUDUS. UIN WALISONGO SEMARANG.
Yazid Afandi. (2009). Muamalah Fiqh and its Implementation in Sharia Financial Institutions. Logung Library.
Zainul Arif Andalusi. (2018). Future Package Financing Products (PMD) at Bank BTPN Syariah from a Sharia Economic Law Perspective. UIN Syarif Hidayatullah Jakarta.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2023 Ahmad Day Robi, Yenni Samri Juliati Nasution, Nursantri Yanti
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.