DOMINASI AKAD MURABAHAH PADA PRAKTIK PENYALURAN DANA DI BANK SYARIAH

Dominated murabahah contract phenomena in bank of sharia is really easy to see. This thing becomes an evidence that in doing its function of distributing funds, bank of sharia just tend to product which is not sharing benefit base. Further searching related on motivation of sharia bank in distributing its funds to murabahah product shows that murabahah product for bank has level of risk that relatively low. But, for the customers on that product has no different with credit which is given by conventional bank that commanded in giving a fixed margin. That margin calculation in fact still refer to level of interest in BI. The phenomena shows that the orientation of sharia bank still limited in profit and obedience of islamic principle. While in social orientation, to increase the welfare of society is still not performing well.