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HYBRID CONTRACT ON ISLAMIC MORTGAGES PRODUCT USING MURABAHAH AGREEMENT (BANK SYARIAH MANDIRI PONOROGO) Muhammad Ghozali; Abdul Hafidz Zeid; Roifatus Syauqoti
Tasharruf: Journal Economics and Business of Islam Vol 5, No 1 (2020)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v5i1.1076

Islamic banking is required to innovate with hybrid contracts, as the single contract is unable to respond to contemporary financial transactions. One of the Islamic banking products adapted from conventional banking is Islamic Mortgages (KPRS) which is applied using Murabahah, Ijarah Muntahiyyah Bi at-Tamlik (IMBT) and Mutanaqisah Mutanaqisah, but Murabahah contract still dominates compared to other akad. Nevertheless, Murabahah contract still raises a lot of debate because it contains hybrid contracts that are still a debate of scholars. In addition, KPRS products with murabahah schemes and IMBT are considered controversial products formulated from the Hilah method. The Murabahah Akad pattern is also often considered the same as conventional banking credit patterns. This article uses a qualitatively descriptive approach to which data sources are obtained with interviews, observations and documentation that are then analyzed inductive. Finally, this article found that KPRS products in Bank Syariah Mandiri use the Murabahah bil Wakalah contract which is hybrid contracts. Wakalah contract is a grant of power from the bank to the customer for home price negotiation to the developer not for home purchase. This is to reduce the risk of side streaming and the risk of return of goods. The merger of Murabahah contract and Wakalah contract has obeyed the sharia rules and does not contain the haraam which is forbidden because it contains a mashalah for banks and customers.

Kajian Keharaman Riba dalam Islam dan Kecenderungan Memilihnya Devid Frastiawan; Muhammad Ghozali
Islamic Economics Journal Vol 2, No 2 (2016)
Publisher : University of Darussalam Gontor

The economic system of usury which is getting stronger grip in every area of the economy in different parts of the world make it as a major threat to ruin. Crisis, inequality, social problems and the deterioration of the business climate is the result of a small proportion of the economic system of usury which still dominates the current economic system. Assess community views the money as a result of commodity pivoting money flow towards the usury-based banking will get a calculation of a fixed profit without having to bear the burden and risks. Most people consider between usury and revenue sharing is no difference. Conventional Bank that provides interest is definitely more interested in the community than the existing revenue sharing system in Islamic banks. Blessing is not the main goal in seeking sustenance, halal and haram were ignored again and took advantage by unjustly perceived as something natural. Usurious economic system which tends to be formerly known as compared with an Islamic economic system, dominates both in terms of literature, influence, and its use in most countries in the world and brought great changes to the views of the community. The perspective is then always behind every attitude and action of the community’s economy was always likely to usury. Although the community is aware of and understand the impact of usury but the reality of the matter is usury continues to be an option.

Ribā dan Ketidakadilan Sistem Ekonomi Kapitalisme, Sebuah Kajian Teoritis Muhammad Ghozali; Yusi Septa Prasetya
Islamic Economics Journal Vol 3, No 1 (2017)
Publisher : University of Darussalam Gontor

The failures of capitalism economic in realizing justice and prosperity is due to the implementation of the interest system (usury system). In the long term usury system pose a huge gap between communities. Giving a variety of impacts on the economy of ummah. As the imbalance of the real sector and monetary sector, poverty and others. People, their life has been shackled by the economic system that allow the practice of interest or on the practice of usury is certainly contrary to the society ideals which is social justice, contrary to a life filled with love In fact, not a few countries receiving assistance of these loans were destroyed due to the large amount of foreign debt. Islamic economic as economy system resurfaced again trying to bring about justice and the welfare of his followers to abolish interest (riba) and replace with a system of profit sharing (profit loss sharing). As one of alternative to achieve economic justice. The underlying revenue sharing system embodiment of justice in various financial sector and the real sector. As for the elimination of usury system that forcenturies held in various countries. To errasing the practice of usury rate system, Islamic economics has its own rules in eliminating usury system and replace it with a system of profit sharing (profit loss sharing) to achieve justice in economic life and charity as a form of wealth distribution. Profit loss sharing system with the end result-oriented on businesses without unknowning the share out either be positive or negative. Each parties will share in the same way

REALITA KEKUATAN EKONOMI ISLAM VERSUS KAPITAL DI EROPA DI ABAD 21 Dadang Irsyamuddin; Muhammad Ghozali
Ekonomi Islam Vol. 10 No. 1 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (245.266 KB)

Stretching the development of Islamic economics in the West is very massive in the 21st century. This is because Western societies have a more just economic system than the capital economy that they have implemented in recent years. and motivated by changes in the demographics of Muslim immigrants and the market needs of Muslims for halal lifestyle products that are in accordance with the call of Islam. But in the massive process, the West forgets a number of important points that are a big challenge today.

REALITA KEKUATAN EKONOMI ISLAM VERSUS KAPITAL DI EROPA DI ABAD 21 Dadang Irsyamuddin; Muhammad Ghozali
Ekonomi Islam Vol. 10 No. 1 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (245.266 KB)

Stretching the development of Islamic economics in the West is very massive in the 21st century. This is because Western societies have a more just economic system than the capital economy that they have implemented in recent years. and motivated by changes in the demographics of Muslim immigrants and the market needs of Muslims for halal lifestyle products that are in accordance with the call of Islam. But in the massive process, the West forgets a number of important points that are a big challenge today.

Ribā dan Ketidakadilan Sistem Ekonomi Kapitalisme, Sebuah Kajian Teoritis Muhammad Ghozali; Yusi Septa Prasetya
Islamic Economics Journal Vol. 3 No. 1 (2017)
Publisher : University of Darussalam Gontor

The failures of capitalism economic in realizing justice and prosperity is due to the implementation of the interest system (usury system). In the long term usury system pose a huge gap between communities. Giving a variety of impacts on the economy of ummah. As the imbalance of the real sector and monetary sector, poverty and others. People, their life has been shackled by the economic system that allow the practice of interest or on the practice of usury is certainly contrary to the society ideals which is social justice, contrary to a life filled with love In fact, not a few countries receiving assistance of these loans were destroyed due to the large amount of foreign debt. Islamic economic as economy system resurfaced again trying to bring about justice and the welfare of his followers to abolish interest (riba) and replace with a system of profit sharing (profit loss sharing). As one of alternative to achieve economic justice. The underlying revenue sharing system embodiment of justice in various financial sector and the real sector. As for the elimination of usury system that forcenturies held in various countries. To errasing the practice of usury rate system, Islamic economics has its own rules in eliminating usury system and replace it with a system of profit sharing (profit loss sharing) to achieve justice in economic life and charity as a form of wealth distribution. Profit loss sharing system with the end result-oriented on businesses without unknowning the share out either be positive or negative. Each parties will share in the same way

Kajian Keharaman Riba dalam Islam dan Kecenderungan Memilihnya Devid Frastiawan; Muhammad Ghozali
Islamic Economics Journal Vol. 2 No. 2 (2016)
Publisher : University of Darussalam Gontor

The economic system of usury which is getting stronger grip in every area of the economy in different parts of the world make it as a major threat to ruin. Crisis, inequality, social problems and the deterioration of the business climate is the result of a small proportion of the economic system of usury which still dominates the current economic system. Assess community views the money as a result of commodity pivoting money flow towards the usury-based banking will get a calculation of a fixed profit without having to bear the burden and risks. Most people consider between usury and revenue sharing is no difference. Conventional Bank that provides interest is definitely more interested in the community than the existing revenue sharing system in Islamic banks. Blessing is not the main goal in seeking sustenance, halal and haram were ignored again and took advantage by unjustly perceived as something natural. Usurious economic system which tends to be formerly known as compared with an Islamic economic system, dominates both in terms of literature, influence, and its use in most countries in the world and brought great changes to the views of the community. The perspective is then always behind every attitude and action of the community’s economy was always likely to usury. Although the community is aware of and understand the impact of usury but the reality of the matter is usury continues to be an option.

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