PROBLEMS OF MURABAHAH FINANCING IN BANKING PRODUCTS

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Published: Jun 10, 2025
DOI: https://doi.org/10.19109/ifinance.v11i1.27283
Keywords:
Problematics, Financing, Murabahah, Islamic Banking Products

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Haryati Haryati
Universitas Islam Negeri Raden Mas Said Surakarta
Abdul Mughits
Universitas Islam Negeri Sunan Kalijaga Yogyakarta

Abstract

This study aims to discuss the problems of murabahah financing in the Muslim business world that intersects with the world of Islamic banking. Key informants in this study were employees and customers of the Islamic People's Economic Bank (BPRS) Sariharjo Village, Ngaglik District, Sleman, Special Region of Yogyakarta. The analysis was carried out using descriptive qualitative and deductive inference. The results of the study indicate that in the world of Islamic banking, murabahah is one of the most widely used types of contracts. However, the financing mechanism that uses murabahah practices is not always profitable and has safe risks for the parties, including risks from sharia, legal and operational aspects. One thing that always arises in the construction of murabahah financing is the suspicion of real profit information in sales transactions in financial reports for banks. Another problem is that the application period for the payment period with the profits obtained is not balanced. The conclusion in this study is that the clash between the conceptualization of murabahah financing and its implementation with various problems provides a constructive solution for improving one of the products to provide easy financing for Muslim micro businesses that provide mutual benefits.
 

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PROBLEMS OF MURABAHAH FINANCING IN BANKING PRODUCTS. (2025). I-Finance: A Research Journal on Islamic Finance, 11(1), 113-127. https://doi.org/10.19109/ifinance.v11i1.27283
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Vol. 11 No. 1 (2025): I-FINANCE: a Research Journal on Islamic Finance
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I-Finance by http://jurnal.radenfatah.ac.id/index.php/I-Finance is lincensed under a Creative Commons Attribution-ShareAlike 4.0 International Lisence.

How to Cite

PROBLEMS OF MURABAHAH FINANCING IN BANKING PRODUCTS. (2025). I-Finance: A Research Journal on Islamic Finance, 11(1), 113-127. https://doi.org/10.19109/ifinance.v11i1.27283

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