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All Journal Juni-Jurnal Pelita Nusa
Rohadatul Aisy, Zahra
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Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Juni-Jurnal Pelita Nusa

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ANALISIS MARK-UP DALAM TRANSAKSI MURABAHAH PADA PERBANKAN SYARIAH Rahmadini, Salsa; Rohadatul Aisy, Zahra; Susanti, Susi; Alfiah Insani, Nurul; Sundari, Asri
Jurnal Pelita Nusa Vol 4 No 1 (2024): Juni-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v4i1.99

Abstract

Increasing community needs drive the need for alternative financing that is in accordance with sharia principles. Murabahah as one of the superior products in sharia financial institutions, is the main choice because it can meet sharia needs with a low risk of loss. However, obstacles such as Mark-up s in murabahah transactions raise questions about whether they are in accordance with sharia principles. This study uses a qualitative descriptive approach to analyze the concept of Mark-up  in murabahah transactions from a sharia perspective. Based on the results of the analysis, murabahah transactions in sharia banking involve various processes, including identifying customer needs, assessing feasibility, murabahah contracts, purchasing goods, selling to customers, and monitoring installment payments. Even though sharia banks act as providers of costs in murabahah financing, all related risks are borne by the customer in accordance with the agreement.
Co-Authors Alfiah Insani, Nurul Rahmadini, Salsa Sundari, Asri Susi Susanti