KESYARIAHAN PEMBIAYAAN MURABAHAH PADA BANK SYARIAH
Bank Muamalat Indonesia is a sharia bank that was first established in Indonesia and one of the banks whose operational activities are based on sharia principles or Islamic principles, namely the Qur'an and Hadith which aims to realize a superior financial services and payment traffic or banking system, and free from the usury or interest system by applying sharia principles. The products in Bank Muamalat Indonesia have diversity, including financing products based on buying and selling using murabahah contracts.
The formulation of the problem in this research is how to apply murabahah financing at PT Bank Muamalat KCP Kolaka? and what are the supporting and inhibiting factors for Islamic murabahah financing at PT Bank Muamalat KCP Kolaka. The purpose of this study was to determine the application of murabahah financing at PT Bank Muamalat KCP Kolaka and to analyze the supporting and inhibiting factors for Islamic murabahah financing at PT Bank Muamalat KCP Kolaka.
The research method used is this type of research using a descriptive qualitative approach. The process of collecting data was carried out by means of observation, interviews and documentation of murabahah financing. The research instruments were in the form of observation sheets or notebooks, interview guides and voice recorders, and documentation sheets in the form of photos and required documents. Data analysis used data reduction methods, data presentation and conclusion drawing.
The results showed that murabahah financing that was practiced at Bank Muamalat KCP Kolaka in general was in accordance with sharia principles, namely the provisions stipulated in the DSN MUI fatwas both in terms of the terms of the parties, the murabahah contract, the pillars of murabahah, the stages of murabahah that applies to Islamic banking in Indonesia and several provisions relating to murabaha financing.