Analisis Ketepatan Produk Pembiyaan Kepemilikan Emas Terhadap Fatwa DSN No. 77/DSN-MUI/V/2010 Pada Bank BJB Syariah KCP Cikarang

Abstrak / Ringkasan

ABSTRACT

In this era, people’s habit of buying in installments is something that is often encountered in Murabahah, Murabahah gold is no exception. Habits of people who buy gold by installments cause dissent in society, because the gold installment is a system that is also applied to pawnshops and conventional banks. So that society assumes that there is no difference between Islamic Banks and Other Conventional Banks. The purpose of this research is to find out implementation and procedures for Murabahah contracts on ownership financing products gold in Islamic Bank of BJB Cikarang.
This research uses descripyive qualitative methods and data analysis which aims to simplify the results of data processing, so it’s easy to read and understood. Data was collected by means of interviews, literature study, observation and documantation. Data analyss went throught three stages, qualitative analysis, descriptive analysis and drawing conclusion.
From research results, the first shows the implemantation of the Murabahah contract on gold ownership financing product at Islamic Bank of BJB Cikarang. And the second, the procedure for financing gold ownership carried out at Islamic Bank of BJB Cikarang in accordance of Fatwa No. 77/DSN-MUI/V/2010. The third, there are several differences of opinion between scholars who allow and do not allow buying and selling gold in a non-cash away. It can be concluded that the procedure gold ownership financing at Islamic Bank of BJB Cikarang is opprotiate with the provisions of Fatwa No. 77/DSN-MUI/V/2010 although there is differences of opinion among scholars regarding buying and selling gold in non cash.
Keywords: Financing, gold ownership financing, Fatwa.

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