Implementation of the Murabahah Contract in People's Business Credit (KUR) Financing at BSI Bogor Sukasari Branch Office

Khaerunnisa; Sofian Muhlisin; Nurman Hakim

doi:10.31943/afkarjournal.v9i3.2287

Authors

Khaerunnisa Ekonomi Syariah, Universitas Ibn Khaldun Bogor
Sofian Muhlisin Universitas Ibn Khaldun Bogor
Nurman Hakim Universitas Ibn Khaldun Bogor

DOI:

https://doi.org/10.31943/afkarjournal.v9i3.2287

Keywords:

Murabahah, People's Business Credit, Fatwa DSN-MUI

Abstract

The development of Islamic banking in Indonesia encourages financing innovations that are in accordance with sharia principles, one of which is through the murabahah contract. This study aims to analyze the application of the murabahah contract in the People's Business Credit (KUR) product at Bank Syariah Indonesia, Bogor Sukasari Branch Office and evaluate its compliance with sharia principles and DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000. The research method used is descriptive qualitative with data collection techniques through interviews and documentation. The results showed that the murabahah contract in KUR products had been implemented in accordance with sharia principles, by fulfilling the principles of price transparency, ownership of goods by the bank before the contract, and feasibility analysis based on the 5C principle (Character, Capacity, Capital, Collateral, Condition). However, there are still obstacles in the form of customers' lack of understanding of the contract details. This research is expected to be a reference for the development of Islamic financing, especially in the KUR scheme.

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