FINANCING SYSTEM IN LEBANG BUDI VILLAGE, PANANG ENIM DISTRICT, MUARA ENIM REGENCY

Abstract

This thesis examines the phenomenon of a financing system where a buyer demands goods that the seller cannot provide. However, due to a lack of funds, the buyer then suggests purchasing the goods themselves using the seller's funds. This sale and purchase is suspected to be similar to the Murabahah contract, where the seller specifies the cost price and a profit margin to be paid by the buyer, with a percentage of 15%. Therefore, to demonstrate legal clarity, the author views this as not only a problem that needs to be addressed but also a need for research.

This study employed field research, where the author directly observed Lebak Budi village. The data used was qualitative,using primary and secondary and tertiary sources. The research subjects were drawn from respondents from various parties. The data collection techniques used in this study were observation, interviews, and documentation. The data analysis technique employed was inductive analysis. The writing structure of this research consists of five interrelated chapters. The research problem in this study is to determine the financing system mechanism in Lebak Budi Village, Panang Enim District, Muara Enim Regency, and how Islamic economic law views the financing system in Lebak Budi Village, Panang Enim District, Muara Enim Regency. The results indicate that the financing system in this village is similar to murabahah financing, and the percentage of the price that must be returned is common and not considered usury.