"[
ABSTRAKDengan diperkenalkannya bank berdasarkan prinsip syariah (syariah
principle), maka bank dapat pula memilih kegiatan usahanya berdasarkan syariah,
termasuk melaksanakan akad pembiayaan Murabahah Al-Wakalah sebagai syarat
transaksi yang paling sering digunakan untuk menyalurkan produk pembiayaan
syariah ke dalam bentuk perjanjian pokok. Prinsip inilah yang membedakan
antara sistem operasional bank syariah dengan bank konvensional biasa. Pokok
permasalahan yang ingin ditekankan dalam penulisan ini adalah: (1) Kenapa akad
Murabahah Al-Wakalah menjadi sebuah keharusan dalam proses pemberian
pembiayaan modal kerja berbasis mikro bisnis pada PT. Bank Mega Syariah
Cabang Koja, (2) Bagaimanakah legalitas suatu akad Murabahah Al-Wakalah
ditinjau dari segi kekuatan pembuktian dan hubungannya terhadap akta-akta yang
dibuat oleh Notaris dalam hal pengikatan jaminan, (3) Bagaimana pelaksanaan
akad Murabahah Al-Wakalah dalam proses pemberian pembiayaan modal kerja
berbasis mikro bisnis pada PT. Bank Mega Syariah Cabang Koja. Penelitian ini
menggunakan metode yuridis normatif dengan tipologi preskriptif. Hasil
penelitian menyimpulkan bahwa Murabahah Al-Wakalah berfungsi memberikan
alternatif hukum bagi bentuk perjanjian kredit, selain yang diatur dalam Buku ke-
III Kitab Undang-Undang hukum Perdata tentang Perikatan, maupun bentuk yang
menjadi pakem hukum yang umum ada di Indonesia.
ABSTRACTThrough the introduction of the bank based on Islamic principles (sharia
principle), bank could choose their business activities according to sharia,
including to do Murabaha Al-Wakala as a condition of the transaction that mostly
used to distribute the Islamic finance product in to the form of main agreement.
This principle distinguishes operating systems between islamic banks than
conventional 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 of
Mega Syariah Branch Office Koja. Second, the legality of Murabahah Al-
Wakalah in relevance with the deed which made by Notary, and the third, is the
implementation of Murabaha Al-Wakala on financing process at Bank of Mega
Syariah Branch Office Koja. The research using normative juridical method with
prescriptive typology. Based on analysis, the writer concluded that Murabaha Al-
Wakala function is to provide legal alternative to other forms of credit
agreements, other than those regulated in Chapter III of Code of Civil Law about
Verbintenis, although the form that generally use in Indonesia, Through the introduction of the bank based on Islamic principles (sharia
principle), bank could choose their business activities according to sharia,
including to do Murabaha Al-Wakala as a condition of the transaction that mostly
used to distribute the Islamic finance product in to the form of main agreement.
This principle distinguishes operating systems between islamic banks than
conventional 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 of
Mega Syariah Branch Office Koja. Second, the legality of Murabahah Al-
Wakalah in relevance with the deed which made by Notary, and the third, is the
implementation of Murabaha Al-Wakala on financing process at Bank of Mega
Syariah Branch Office Koja. The research using normative juridical method with
prescriptive typology. Based on analysis, the writer concluded that Murabaha Al-
Wakala function is to provide legal alternative to other forms of credit
agreements, other than those regulated in Chapter III of Code of Civil Law about
Verbintenis, although the form that generally use in Indonesia]"
