ANALISIS RISIKO PADA PENGALIHAN AKAD PEMBIAYAAN DI BANK SYARIAH

Abstract

An Indonesian country with a majority of its population embracing Islam wants a banking institution in accordance with Islamic sharia that is free from the elements of riba, maysir, and gharar, the presence of Islamic banks as a solution.Initially, Islamic banks only knew about savings or deposit products with wadiah and mudaraba contracts. Similarly, in the sector of fund disbursement, Bank Indonesia in Bank Indonesia regulations, then regulates products with mudharabah, musyarakah, murabahah, salam, istishna, ijarah, and ijarah muhtahiya bittamlik contracts. Even though the needs of the community are developing, so that an assessment is needed so that community needs can be accommodated in contracts that do not conflict with sharia principles.Murabahah contract financing is an alternative financing model in the procurement of goods. Through this murabahah financing, customers will find it easy to repay payments in the amount that is in accordance with what the bank agrees. As for the banks' footing, this murabahah financing is a contract of funds distribution quickly and easily and many applicants are compared to other contracts.