Created
by : Baerin Oktaviani
(11220012)
Murabaha
is an Islamic bank financing products are most popular, in addition to practice
the calculations are easy for customers and bank,this product also has
similiarities with a conventional bank credit system, but the principle of
murabaha is very much different from the bank rate conventional banking.
According Adiwarman Karim, derived from the word Ribhu (profit) that is purchase transaction in which the bank said the number of benefits. Bank acting as the seller, while the buyer client.
Murabaha financing in principle a distribution channel funds to
Islamic bank fast and easy, which the Islamic bank is profitable, the margin of
financing and fee-based income get (administration, insurance commissions and
commissions notaries). As for customer financing is financing alternative that
provide benefits to customers in the form of development financing renovation,
purchase of vehicles, purchase of productive goods, and other procurement. Here
costumer will have the opportunity pay in installment payment by installment
amount will not change during the agreement.[1]
Purchase contract does not only exist in the market, but there are also islamic bank in sale and purchase agreement, as purchase contract is one of the products of Islamic banking. Where the buying and selling of existing systems in Islamic banks Islamic banks as sellers and customers as buyers. Islamic bank said the seller because the Islamic banks to sell the items required by the customer where the goods are imported from a supplier / suppliers who sell goods but that the Islamic banks. Islamic banks then sold them to customers, and customers pay in installments so that it can be said the credit. And from there sell goods to customers can be said sale and purchase agreement.
