PERSEPSI NASABAH TERHADAP PRAKTIK PEMBIAYAAN MURABAHAH PERSPEKTIF HUKUM EKONOMI SYARIAH (STUDI DI KSPPS BINA WARGA SEJAHTERA)

Shari'ah financial institutions that are developing in Indonesia include syari'ah banks, syari'ah cooperatives, Baitul Mal wat Tamwil (BMT), shari'ah insurance, shari'ah pawnshops, and others. One of the business units that is growing very rapidly is Islamic savings and loan cooperatives (KSPPS). But the real practice it is not all in accordance with sharia. This study aims to find out the perception of customers toward murabahah financing practices in KSPPS Bina Warga Sejahtera. This study seeks to answer the main question: How do customers perceive murabahah financing practices in KSPPS Bina Warga Sejahtera?; How the practice of financing murabahah in KSPPS Bina Warga Sejahtera is in accordance with the principles of Sharia Economic Law. This research uses field research methods,in-depth interviews (indepth-interviews)and documentation with village community customers in KSPPS Bina Warga Sejahtera, Sambiroto Village, Purwomartani, Kalasan, Sleman, Special Region of Yogyakarta. The results of research on customer perception analysis of murabahah financing in KSPPS Bina Warga Sejahtera showed that customer perception is influenced by various factors, namely the financing process in KSPPS Bina sejahtera easily, the margin level given is low and the disbursement of funds is fast and customer service is satisfactory so that customers have a good perception and influence customers in deciding to do murabahah financing in KSPPS Bina Warga Sejahtera. Another factor influencing perception is religiosity. Customers have the perception that the selection of murabahah financing in KSPPS Bina prosperous citizens is to conduct financing to avoid usury and in accordance with sharia principles. The Customer has the perception that murabahah financing practices in practice are in accordance with sharia law as described in the agreement or agreement. The obstacles faced are the customer's lack of knowledge and uneven financing of murabahah so that most of it is used to meet the needs or sustainability of the business and not derived from sharia factors. The research and discussion determines that the murabahah contract at the KSPPS Bina Warga Sejahtera uses the wakalah contract, namely member of the power of attorney to the customer to buy object or goods thathave been agreedin the contract, the implementation of the murabahah contract with the wakalah contract at KSPPS Bina Warga Sejahtera is not against the existing provisions, both the provisions issued by the Dewan Syariah Nasional Majelis Ulama Indonesia Number 04/DSN-MUI/IV/2000 and Bank Indonesia Regulation Number 7/46/PBI/2005 concerning the Agreement for Deposit and Distribution of Dans for Banks Conducting Business Activities Based on Sharia Principles