MURABAHAH

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MURABAHAH
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SYAPRIYANTO 20090610132
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OUTLINE

• Definition of Murabahah
• Legal Basic
• Rukun/Elements of Murabahah
• Requirement of Murabahah
• General Provisions of Murabahah
• Process of Murabahah
• Conclusion

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Definition

• Murabahah
• is an akad sale and purchase of goods, the price
  agreed between seller and buyer, after bank said
  the sale of the real cost of the goods and the
  amount of profit he earned.

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Legal Basic

• QS. Al-Baqarah 2275
• Allah has allowed trading and forbidden usury
• QS. An Nisaa 429
• O you who believe, Do not devour your property
  among yourselves falsely, except that it be
  trading by your mutual consent and do not kill
  your people surely Allah is merciful to you.

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Cont

• HR. Tirmidhi
• "merchant are honest and trustworthy, then he
  was with the prophets, the people are honest and
  syuhada".
• Syariah bank act No. 21 of 2008 section 19 (1)

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Elements

• Bai (seller)
• Musytari (buyer)
• Mabi (Property)
• Tsaman ( cost of goods)
• Ijab-qabul (statement of acceptance)

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Requirements

• The parties who have akad (Bai and Musytari) are
  capable and not in a tight squeeze
• The goods are traded (the Prophet ') does not
  include anything haram
• The price of goods (Tsaman) must be stated in a
  transparent manner (the cost and profit
  components) and method of payment are clearly
  stated
• The acceptance (Ijab-qabul) must be mention with
  specific parties which have akad

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General provisions

• Bank and clients must perform murabahah akad
  freely from riba
• Goods which traded is not forbidden by Islamic
  sharia
• Bank to finance part or all of the purchase price
  of approved items

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Cont

• the Bank must submit all matters relating to the
  purchase, if the purchase is made on credit
• Customer pays an agreed price of the goods within
  a period of the agreed
• the Bank sell the goods to customers on the price
  worth the purchase price and benefits

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Process of Murabahah
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Negotiation
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Akad Murabahah
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(Made an advance IDR 120 Million)
(Instalment credit)
CV.Syapri Company
Bank Shariah A
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(Certificate of land)
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Land
IDR. 420 Million
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IDR. 400 Million
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conclusion

• In Murabahah between consumer finance and
  consumer, there are relationship
• But between consumer and supplier, there is no
  relationship
• In murabahah there is no interest because in
  islam, riba is forbidden

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