Implementasi Akad Murabahah Bil Wakalah Pada PT. Bank Syariah Indonesia KCP Bukittinggi Tinjauan Fatwa DSN MUI NO: 10/DSN-MUI/IV/2000 Dan PBI Nomor.07/46/PBI/2005
Abstract
This study examines the implementation of Murabahah bil Wakalah contracts at PT. Bank Syariah Indonesia KCP Bukittinggi review of DSN MUI fatwa No: 10/DSN-MUI/IV/2000 and PBI Number 7/46/PBI/2005. The problem is the practice of Murabahah bil Wakalah contracts at PT. Bank Syariah Indonesia KCP Bukittinggi perform Murabahah bil Wakalah contract simultaneously. This study aims to see the implementation of the Murabahah bil Wakalah contract at PT. Bank Syariah Indonesia KCP Bukittinggi review fatwa DSN MUI No: 10/DSN-MUI/IV/2000 and PBI Number 07/46/PBI/2005. This study uses primary data and secondary data. The analytical method used is descriptive method. Based on the survey results provided by Jadid Ardiansyah and employees, it shows that the implementation of the financial contract, Murabahah bil Wakalah, if the customer's financing application has been approved, then the contract process is carried out. In the process of making an agreement, the client and the bank sign a murabaha and Wakalah contract at the same time. After the contract process is completed, the client as a bank representative receives money for the purchase of goods according to his needs, which is a receipt or invoice submitted by the client to the bank for review. Fatwa DSN-MUI No. 04/DSN-MUI/IV/2000 concerning Murabahah No. 9 and PBI No. 07/46/PBI/2005 Murabahah bil Wakalah at PT. Bank Syariah Indonesia KCP Bukittinggi does not comply with the DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 concerning Murabahah No. 9 and PBI No. 07/46/PBI/2005 concerning contracts for the collection and distribution of funds for banks conducting business activities based on sharia principles.
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