BAY‘ AL-MURABAHAH: Mendudukkan Kembali Posisinya dalam Perbankan Syari’ah

<p align="center"><strong><em>BAY‘ AL-MURA</em></strong><strong><em>&lt;</em></strong><strong><em>BAH</em></strong><strong><em>{</em></strong><strong><em>AH:  </em></strong></p><p align="center">Mendudukkan Kembali Posisinya dalam Perbankan Syari’ah</p><p align="center"> </p><p align="center"><em>Luhur Prasetiyo</em><a title="" href="#_ftn1"><em>*</em></a><em></em></p><p><strong> </strong></p><p><strong>Abstract</strong><strong><em>:</em></strong><em> </em><em> </em><em>Nowadays, </em>Mura&gt;bah}ah<em> transaction becomes the most popular product which </em>shari&gt;’ah<em> banking uses to sell its assets for amount of reasons. Total amount of shari</em><em>&gt;</em><em>’ah banks store and transact their assets (fund) in </em>mura&gt;bah}ah<em> system. The reason is that this product has not only small risk but also ease to manage related to </em>muz}a&gt;rabah<em> and </em>musha&gt;rakah<em> system. </em><em>In the other hand, Many people don’t understand </em>mura&gt;bah}ah<em> mechanism precisely. They often think that</em> mura&gt;bah}ah<em> mechanism is as credit as well. It is, in fact, that </em>mura&gt;bah}ah<em> system is a cash transaction which </em>shari&gt;’ah<em> banks have. This paper is to elaborate </em>mura&gt;bah}ah<em> system as a product of </em>shari&gt;’ah<em> banking.<strong></strong></em></p><p><strong><em> </em></strong></p><p><strong><em>Keywords: </em></strong>Perbankan Syariah, <em>mura</em><em>&gt;</em><em>bah</em><em>}</em><em>ah</em>, margin keuntungan, kredit  <strong> </strong></p>