Shariah Murabahah Financing in Islamic Banks


Murabahah is the practice of purchasing and selling items while adding a margin for the bank to benefit from. The majority of Indonesian Islamic Banking's overall financing, or about 60%, is currently provided by financing under Murabahah contracts. The research method used in this article is literature analysis which originates from the scientific articles studied. The results of the study show that the application of sharia murabaha financing to Islamic banks is in accordance with the Sharia Banking Act and the DSN-MUI Fatwa, where financing is based on Islamic principles, namely not containing elements of usury, maisir, garar, haram, unjust, and there is contract supervision by the DPS.