Jurnal PENERAPAN ASAS KEBEBASAN BERKONTRAK DALAM PEMBIAYAAN AKAD MURABAHAH PADA BANK SAFIR BENGKULU

Jurnal PENERAPAN ASAS KEBEBASAN BERKONTRAK DALAM PEMBIAYAAN AKAD MURABAHAH PADA BANK SAFIR BENGKULU

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AKBAR, Taufik and Hamdani, Ma'akir and Rahma, Fitri
  

(2018)

APPLICATION OF THE FREEDOM OF CONTRACTS
IN AKAD MURABAHAH FINANCING
IN SAFIR BENGKULU BANK.

    Undergraduated thesis, University of Bengkulu.
  

  

Abstract

At the beginning of the implementation of banks operating with the system for
results, the legal principle is in the Banking Act Number
10 of 1992. But that was not enough, because Islamic banking
the road faltered and proved in the first six years
then only one Islamic bank appears, namely the Bank
Muamalat in 1992. The current Islamic economic system
growing when compared to the economic system
conventional, this can be proven by the number of banks
conventional banks that open sharia systems. Besides
Islamic economic growth can also be seen from the number
Islamic banking and sharia institutions in Indonesia. One of
the supporting factor is the demand for Islamic products from
the population of Indonesia, most of whom are Muslims.
Islamic banking has intensified since the issuance of Law
Law Number 10 of 1998 concerning Banking
allows the bank to run a dual banking system or bank
conventional who can establish a sharia division, in the presence
the conventional law began to glance and open
sharia business unit. The problems in this study are (1)
Is the principle of freedom contracted through the murabahah agreement already
applied to customers at Bengkulu Safir Bank (2)
What is the Islamic sharia view of the principle of freedom
contract, this research method is descriptive with type
the research used is normative and research law
empirical. The source of the data used is the data source
obtained by interviews and secondary data
obtained through literature studies on the law of agreement
work. Then the data is processed with the editing stages
then qualitative analysis is carried out, namely data analysis
described with words that use a framework
deductive and inductive thinking and vice versa Based on results
the study revealed that (1) Bengkulu Safir Bank had
use Murabahah contract as one type of product
financing (2) But even after using a contract
Murabahah, but Bengkulu Safir Bank is not entirely
use profits according to Islamic law but still
like other conventional banks that use the system
interest.

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