CD Skripsi
Penggunaan Akad Murabahah Dalam Pembiayaan Modal Usaha Pada Pt. Permodalan Nasional Madani Mekaar Syariah Cabang Kuantan Mudik Berdasarkan Hukum Ekonomi Syariah
ABSTRACT
This reseach the use of Murabahah Contracts at PT. Mekaar Syariah
National Civil Capital, hereinafter referred to as PNM Mekaar Syariah Kuantan
Mudik in business capital financing. The use of a murabaha contract that is not
carried out in accordance with the provisions of the Sharia Economic Law.
Therefore, it is necessary to study first, how is the use of the Murabahah Contract
in financing venture capital at PT. National Capital Madani Mekaar Branch of
Kuantan Mudik based on Sharia Economic Law. Second, is the contract that
should be used in financing venture capital at PT. National Civil Capital Mekaar
Syariah Mudik Strength Branch.
This research is a sociological legal research, with the intention of looking
at the correlation between law and society. Because it is based on field research,
namely by collecting data from observations, interviews, questionnaires, and
literature studies that have to do with problems using qualitative data analysis,
producing descriptive data, and concluded with a deductive thinking method.
From the results of the study, it was concluded that, First, in the PNM
Mekaar Syariah Kuantan Mudik Branch agreement with customers, financing is
given in the form of money in the amount according to the financing application
submitted by the customer so that the sale and purchase between PNM Mekaar
Syariah Kuantan Mudik and the customer does not occur, then the customer is
given the authority to use the financing money to buy goods according to business
needs, but in practice the customer does not exercise this power and uses the
financing money for other purposes such as consumptive needs. Second, the
implementation of financing carried out by PNM Mekaar Syariah Kuantan Mudik
which provides financing in the form of funds, is more appropriate to use a
musyarokah contract because the provision of business capital in the form of
money is not appropriate using a murabaha sale and purchase scheme, but
business capital financing transactions in the form of money are more
appropriate to use a contract. musyarakah agreement.
Keywords : Financing, Murabahah, sharia economy
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