Murabahah

Hasna Umama (11220007)

 

Murabahah is derived from the word ribhu (profit), it means buying and selling with same the price of the basic thing that be subject, premises plusan agreed profit margin. In this case murabahah is one product or skim the most popular in the practice of finance inI slamic banking. Because in addition to easy calculation for both customers and the bank's management, this product has some similarities (which are not principal) with credit in the conventional banking system. In the implementation of existing murabahah contract terms contained the rein, namely:

1.      Sellers counts the cost of capital to customers

2.      The firstcontract should bein accordance with the harmony that the set

3.      Contract must conform usury-free

4.      the seller must explain to the buyer in the event of defects of the good safter purchase

5.      Seller shall submit all matters relating to the purchase, for exampleif the purchaseis done by debt

The pillars of the contract set out in the implementation of murabahah is the same as the pillars contained in the sale are:

1.      The existence of the seller

2.      for a buyer

3.      Sighad (consent and qabul)

4.      Ma'qud 'alaih (object agreement)

According Murobahah law, bank buy what nasabah want after nasabah order to the bank. Murabahah the binding can not bind or customers to buy goods ordered.