APLIKASI AKAD MURABAHAH PADA PORUDUK KONSUMTIF DI BAITUL MAL WAT TAMWIL (BMT) AL-AMANAH CIAWI TASIKMALAYA
This study discusses how the application of murabahah contracts to consumer goods. This research is based on the buying and selling murabahah contract which is expected to be a system of profit sharing that tends to be high risk. Determination of profit ahead is actually valid and correct according to sharia, because murabahah is a sale-based contract that means something real oriented. Problems arise more in the disbursement of financing funds that lead to parties who have the authority to purchase goods for sale and purchase. The objectives of this study have several objectives, namely: 1) Analyzing the financial services activities developed by BMT Al-Amanah Ciawi Tasikmalaya 2) analyzing the consumptive products that can be facilitated by BMT Al-Amanah Ciawi Tasikmalaya, 3) analyzing the Murabahah contract application at BMT Al-Amanah Ciawi Tasikmalaya This study uses a qualitative descriptive method with a type of field research with inductive logic, which is the systematic observation of the description and decomposition of data. To help data collection, the researcher uses several methods, including the Observation method, the interview method, and the documentation method. The data analysis tool in this study is qualitative descriptive analysis, namely the presentation of data in the form of data in writing and explaining what it is according to the data obtained from research. Based on the study of theory and data analysis that the researchers have described above, it can be concluded that: 1) Financial service activities that exist at BMT AlAmanah Ciawi Tasikmalaya, namely: Financial services and financial financial services. 2) In financing consumptive products which in this case use product ba'I almusawwamah which is an application of the murabahah contract, there are several provisions regarding the product that is desired or needed. Because in general, all the items desired or needed by members can be facilitated by BMT Al-Amanah Ciawi Tasikmalaya. 3). BMT Al-Amanah Ciawi Tasikmalaya applies the concept of sale and purchase agreement (murabahah) into 2 financing products, namely murabahah products which are business products or productive financing products and into ba'I products almusawwamah which are financing products for consumptive goods . Keywords: murabahah contract and consumptive goods
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