IMPLEMENTATION OF BIL WAKALAH MURABAHAH ACADEMIC IN ACCORDANCE WITH DSN-MUI FATWA NO. 4/DSN-MUI/IV/2000

Abstract

The practice of the Murabahah Bil Wakalah contract is a form of implementing the rules or norms of the Murabahah Bil Wakalah sharia in accordance with Islamic principles. This study uses a qualitative method. The data collection technique used in this study is through interviews and documentation with an employee who works in the field of credit and financing analysis and with a financing customer for a Murabahah bil Wakalah contract. The results of the research that has been carried out show that the implementation of the Murabahah Bil Wakalah contract has been running in accordance with DSN-MUI Fatwa No. 4/DSN-MUI/IV/2000 concerning the implementation of murabahah contracts and the implementation of the norms of the Murabahah Bil Wakalah contract that have complied with sharia norms, namely avoiding things that conflict with Sharia, and its implementation has followed Sharia principles, namely: Justice, Help, Togetherness, and Halal