Tinjauan Yuridis dan Normatif: Optimalisasi Akad Murabahah dalam Perbankan Syariah Berdasarkan Undang- Undang Perbangkan Syariah No. 21 Tahun 2008
DOI:
https://doi.org/10.30651/jms.v9i3.23244Abstract
Penelitian ini mengkaji optimalisasi akad murabahah dalam konteks perbankan syariah Indonesia berdasarkan Undang-Undang No. 21 Tahun 2008. Tujuan utama penelitian ini adalah untuk menganalisis implementasi akad murabahah serta mengidentifikasi tantangan dan strategi optimalisasi yang dapat meningkatkan efektivitas pelaksanaannya. Metode penelitian yang digunakan adalah pendekatan yuridis normatif dengan mengumpulkan data primer melalui wawancara dan data sekunder dari literatur hukum dan dokumen resmi. Hasil penelitian menunjukkan bahwa meskipun kerangka hukum sudah memberikan landasan yang kuat, implementasi akad murabahah di lapangan masih menghadapi berbagai kendala seperti kompleksitas regulasi dan kebutuhan akan edukasi yang lebih baik. Strategi optimalisasi yang direkomendasikan meliputi peningkatan pengawasan internal, adopsi teknologi informasi, dan inovasi produk yang lebih fleksibel. Kesimpulan dari penelitian ini menegaskan pentingnya langkah-langkah tersebut untuk memastikan kepatuhan terhadap prinsip-prinsip syariah dan meningkatkan kualitas layanan perbankan syariah secara keseluruhan.
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