[ABSTRAK
Dengan diperkenalkannya bank berdasarkan prinsip syariah (syariahprinciple), maka bank dapat pula memilih kegiatan usahanya berdasarkan syariah,termasuk melaksanakan akad pembiayaan Murabahah Al-Wakalah sebagai syarattransaksi yang paling sering digunakan untuk menyalurkan produk pembiayaansyariah ke dalam bentuk perjanjian pokok. Prinsip inilah yang membedakanantara sistem operasional bank syariah dengan bank konvensional biasa. Pokokpermasalahan yang ingin ditekankan dalam penulisan ini adalah: (1) Kenapa akadMurabahah Al-Wakalah menjadi sebuah keharusan dalam proses pemberianpembiayaan modal kerja berbasis mikro bisnis pada PT. Bank Mega SyariahCabang Koja, (2) Bagaimanakah legalitas suatu akad Murabahah Al-Wakalahditinjau dari segi kekuatan pembuktian dan hubungannya terhadap akta-akta yangdibuat oleh Notaris dalam hal pengikatan jaminan, (3) Bagaimana pelaksanaanakad Murabahah Al-Wakalah dalam proses pemberian pembiayaan modal kerjaberbasis mikro bisnis pada PT. Bank Mega Syariah Cabang Koja. Penelitian inimenggunakan metode yuridis normatif dengan tipologi preskriptif. Hasilpenelitian menyimpulkan bahwa Murabahah Al-Wakalah berfungsi memberikanalternatif hukum bagi bentuk perjanjian kredit, selain yang diatur dalam Buku ke-III Kitab Undang-Undang hukum Perdata tentang Perikatan, maupun bentuk yangmenjadi pakem hukum yang umum ada di Indonesia.

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ABSTRACT
Through the introduction of the bank based on Islamic principles (shariaprinciple), bank could choose their business activities according to sharia,including to do Murabaha Al-Wakala as a condition of the transaction that mostlyused to distribute the Islamic finance product in to the form of main agreement.This principle distinguishes operating systems between islamic banks thanconventional banks. The subject matter which is to be raised in this thesis are:First, the necessity of using Murabaha Al-Wakala on financing process at Bank ofMega Syariah Branch Office Koja. Second, the legality of Murabahah Al-Wakalah in relevance with the deed which made by Notary, and the third, is theimplementation of Murabaha Al-Wakala on financing process at Bank of MegaSyariah Branch Office Koja. The research using normative juridical method withprescriptive typology. Based on analysis, the writer concluded that Murabaha Al-Wakala function is to provide legal alternative to other forms of creditagreements, other than those regulated in Chapter III of Code of Civil Law aboutVerbintenis, although the form that generally use in Indonesia, Through the introduction of the bank based on Islamic principles (shariaprinciple), bank could choose their business activities according to sharia,including to do Murabaha Al-Wakala as a condition of the transaction that mostlyused to distribute the Islamic finance product in to the form of main agreement.This principle distinguishes operating systems between islamic banks thanconventional banks. The subject matter which is to be raised in this thesis are:First, the necessity of using Murabaha Al-Wakala on financing process at Bank ofMega Syariah Branch Office Koja. Second, the legality of Murabahah Al-Wakalah in relevance with the deed which made by Notary, and the third, is theimplementation of Murabaha Al-Wakala on financing process at Bank of MegaSyariah Branch Office Koja. The research using normative juridical method withprescriptive typology. Based on analysis, the writer concluded that Murabaha Al-Wakala function is to provide legal alternative to other forms of creditagreements, other than those regulated in Chapter III of Code of Civil Law aboutVerbintenis, although the form that generally use in Indonesia]