Baerin Oktaviani (11220012)
Installment loans in Islamic Banking
One of the sale and purchase transaction
in the public is
often used in
transaction purchase with the credit system.
This transaction is
a transaction in which the method of
payment by installment or installments, this
transaction is also referred to
as a credit purchase. In simple terms a loan
disbursement of the
funds to the owner
who requires funds.
The distribution of these funds is based on the trust
funds provided by the owner to the user of funds.[1]
The definition of credit sale and purchase transactions are sale and purchase of credits is buying and
selling in a way that owes payment in
installments of up to a certain
period as agreed. Sell / buy with credits means
that someone selling
/ buying something
at a price that is paid is a tough time. In fiqh credit sale is known as
al-bai 'ad-dayn wa bi bi at-Taqsith or bai'
bits-tsaman'' ajil.[2]
Sale and purchase of credit is not only in
society, but sale and purchase with the credit system is also in the practice
of Islamic banking. The sale and purchase of credit is one of the
Islamic bank financing products, as one example contained in the financing of
mortgage products (mortgage).
Sale and purchase
existing loans in Islamic banks
is different from sale and purchase credits that often in the community. Islamic banks apply to the
purchase of credit murabaha contract, where the contract is a sale and
purchase murabaha sharia credit. Murabaha contract is a purchase
transaction in which the bank put the profits. Bank acting as the seller, while
the buyer's customer. selling price is the purchase price plus the banks of the
supplier profit (margin). In banking murabaha always done by installment
payments (bi tsaman ajil or muajjal). In this transaction the goods are
delivered immediately after the ceremony, while the payment is made in tough /
installment.[3]
Credit is practiced in Islamic banks must
comply with the principle of the loan that is the foundation of trust between
the bank and its customers, because sale and purchase these loans are very
vulnerable to the presence of default on the part of customers who do not keep
their promises in a murabaha financing with the credit system.
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