Risiko Akad dalam Pembiayaan Murabahah pada BMT di Yogyakarta (dari Teori ke Terapan)

Abstract

This research aim to know the practice of murabahah financing, any kind of risk which is related to murabahah financing, how to manage the risk of murabahah financing, and how is perpective of Moslem law to practice of murabahah financing at BMT in Yogyakarta. This research done by field research by using desain qualitative. In this research, its data collecting by use the documentation and interview technique. As for location becoming this research is : BMT Dana Insani, BMT Amratani Sejahtera, and BMT Bina Ihsanul Fikri (BIF) Nitikan. Result of this research indicate that : (1) practice of murabahah financing at BMT used for the purchasing of consumer goods / capital goods which is payment in instalment or fall due; (2) not all risk of murabahah financing have been experienced by third BMT, BMT Dana Insani have never experienced of the risk which is related to object and risk which is related to member while BMT BIF Nitikan have never experienced of the risk which is related to just object; (3) third BMT have different way of each other in managing risk which is related to murabahah financing; and (4) most concept and execution of murabahah financing at third BMT have as according to principles syari’ah.
Keywords: risiko, akad, murabahah, BMT