PRINSIP SYARI’AH DALAM AKAD MURABAHAH DI PERBANKAN SYARI’AH

This dissertation title : “Sharia principles in Murabahah Agreement in Islamic Banking”. In this dissertation, the writer suggested the function and nature of Islamic principles (Sharia), which as a foundation in formulating the contract in Islamic banking, Islamic banking As known together as the intermediary financial institution. In carrying out Islamic banking should be submissive and obedient to Islamic Principles (Sharia) compliance, which in Islamic banking supervision established National Islamic principles (Sharia) board of supervisors. The Characteristics of murabahah contract is a form of sale, where the sale and purchase of the benefit provisions agreed by all parties. For further the customer will have the representative of Islamic banking to buying and selling to the third party. The model and type of this research is using Legal research type, the problem approach is done with the law approach, conceptual approach, case approach. The research findings of this paper is, first, the formulation of Murabahah contract can be run as appropriate to ensure the Islamic principles (Sharia). then just one contract of Murabahah transactions in a single transaction, which is the customer just makes murabahah with Islamic banking. So it shall not involve a third party, because it will be more efficient as economically. Secondly, for the formulation of Murabahah contract with Islamic principles (sharia), especially on the state of bankruptcy must be put forward to the next state of completion for the Customer's bankruptcy as highlighting the completion of the using funds drawn from the reserve fund created by the Islamic bank, it is not executed directly by mortage right model encumbrance as applicable today. The formulation of Murabahah on dispute settlement should be established special courts on the grounds of Islamic principles (sharia) law, and those who are not Muslim should be submissive and obedient to the rules of Islamic banking