Tinjauan Fatwa DSN No: 04/DSN-MUI/IX/2000 tentang Murabahah dan Fatwa DSN No: 13/DSN-MUI/IX/2000 tentang Uang Muka dalam Murabahah Terhadap Pembiayaan Griya di Bank Syariah Mandiri KCP Bandung Metro Margahayu

Abstract

Abstract.This research is motivated by the case of murabaha financing and advances on Griya financing products at Bank Syariah Mandiri KCP Bandung Metro Margahayu whose object (house) is not owned by the bank or on behalf of the bank itself and the advance payment is paid by the customer to the developer. Implementationmurabaha and advances in murabaha must comply with the provisions or general legal rules of sale and purchase and Fatwa DSN-MUI No: 04 / DSN-MUI / IX / 2000 concerning murabahah and Fatwa DSN-MUI No: 13 / DSN-MUI / IX / 2000 concerning Advances in Murabaha. The purpose of this study was to determine the stipulations of murabaha and advances in murabaha according to the DSN-MUI fatwa, the implementation of murabahah contracts on Bank Syariah Mandiri Bandung Syariah Margahayu KCP financing products and review of DSN-MUI Fatwa No: 04 / DSN-MUI / IX / 2000 concerning murabahah and Fatwa DSN-MUI No: 13 / DSN-MUI / IX / 2000 concerning Advances in Murabahah for the implementation of these products.The research method used in this research is descriptive qualitative method. The source of research is primary data from interviews withConsumer Banking Relationship Manager (consumer relations banking manager), and secondary data from books and journals.The results showed that there was a discrepancy with the fatwa on the point of purchase of objects or goods in the name of the bank itself, the murabahah sale and purchase agreement was made after the goods in principle became the property of the bank, the obligation to buy assets in advance to the developer as well as the receipt of down payments from the customer to the bank when booking agreement early.