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MURABAHAH

MURABAHAH. Logo. SYAPRIYANTO 20090610132. OUTLINE. Definition of Murabahah Legal Basic Rukun/Elements of Murabahah Requirement of Murabahah General Provisions of Murabahah Process of Murabahah Conclusion. Definition. Murabahah

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MURABAHAH

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  1. MURABAHAH Logo SYAPRIYANTO 20090610132 International Program for Law and Sharia UMY

  2. OUTLINE • Definition of Murabahah • Legal Basic • Rukun/Elements of Murabahah • Requirement of Murabahah • General Provisions of Murabahah • Process of Murabahah • Conclusion International Program for Law and Sharia UMY

  3. Definition • Murabahah • is an akad sale and purchase of goods, the price agreed between seller and buyer, after bank said the sale of the real cost of the goods and the amount of profit he earned. International Program for Law and Sharia UMY

  4. Legal Basic • QS. Al-Baqarah 2:275 “Allah has allowed trading and forbidden usury” • QS. An Nisaa 4:29 “O you who believe, Do not devour your property among yourselves falsely, except that it be trading by your mutual consent; and do not kill your people; surely Allah is merciful to you”. International Program for Law and Sharia UMY

  5. Cont… • HR. Tirmidhi: "merchant are honest and trustworthy, then he was with the prophets, the people are honest and syuhada". • Syariah bank act No. 21 of 2008 section 19 (1) International Program for Law and Sharia UMY

  6. Elements • Ba’i (seller) • Musytari (buyer) • Mabi’ (Property) • Tsaman ( cost of goods) • Ijab-qabul (statement of acceptance) International Program for Law and Sharia UMY

  7. Requirements • The parties who have akad (Bai’ and Musytari) are capable and not in a tight squeeze • The goods are traded (the Prophet ') does not include anything haram • The price of goods (Tsaman) must be stated in a transparent manner (the cost and profit components) and method of payment are clearly stated • The acceptance (Ijab-qabul) must be mention with specific parties which have akad International Program for Law and Sharia UMY

  8. General provisions • Bank and clients must perform murabahah akad freely from riba • Goods which traded is not forbidden by Islamic sharia • Bank to finance part or all of the purchase price of approved items International Program for Law and Sharia UMY

  9. Cont… • the Bank must submit all matters relating to the purchase, if the purchase is made on credit • Customer pays an agreed price of the goods within a period of the agreed • the Bank sell the goods to customers on the price worth the purchase price and benefits International Program for Law and Sharia UMY

  10. Process of Murabahah 1 Negotiation 1 AkadMurabahah 2 2 3 (Made an advance: IDR 120 Million) (Instalment credit) CV.Syapri Company Bank Shariah A 6 (Certificate of land) 7 Land IDR. 420 Million 4 5 IDR. 400 Million International Program for Law and Sharia UMY

  11. conclusion • In Murabahah; between consumer finance and consumer, there are relationship • But between consumer and supplier, there is no relationship • In murabahah; there is no interest because in islam, riba is forbidden International Program for Law and Sharia UMY

  12. THANK YOU International Program for Law and Sharia UMY

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