JURNAL EKONOMI BISNIS DAN KEWIRAUSAHAAN

Analisis Hukum Islam Tentang Pembiayaan Murabahah Dalam Perspektif Ekonomi Syariah

Sri Rejeki — 2025-04-01

Abstract

This study analyzes in depth the murabahah contract from the perspective of Islamic law and Islamic banking practices in Indonesia. The results of the study indicate that murabahah has a strong legal basis, but its implementation in the field still faces several challenges, such as determining the cost of goods and transparency of information. Factors such as the quality of human resources and public awareness also influence the success of murabahah. This study concludes that efforts are needed to improve the quality and effectiveness of murabahah financing through more in-depth legal studies, innovative product development, and increasing public financial literacy.

Keywords: Murabahah Financing, Islamic Law, Islamic Banking.

Abstrak

Penelitian ini menganalisis secara mendalam akad murabahah dalam perspektif hukum Islam dan praktik perbankan syariah di Indonesia. Hasil penelitian menunjukkan bahwa murabahah memiliki landasan hukum yang kuat, namun implementasinya di lapangan masih menghadapi beberapa tantangan, seperti penetapan harga pokok barang dan transparansi informasi. Faktor-faktor seperti kualitas sumber daya manusia dan kesadaran masyarakat juga mempengaruhi keberhasilan murabahah. Penelitian ini menyimpulkan bahwa perlu adanya upaya untuk meningkatkan kualitas dan efektivitas pembiayaan murabahah melalui kajian hukum yang lebih mendalam, pengembangan produk yang inovatif, serta peningkatan literasi keuangan masyarakat.

Kata Kunci: Pembiayaan Murabahah, Hukum Islam, Perbankan _Syariah.

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