The customer as the last buyer receives the goods after having entered into a murabaha agreement with the bank and the LKS conducts murabaha with the customer, and at the same time represents the wakalah contract to the customer to buy the goods themselves.

The application of murabahah in the practice of Sharia Financial Institutions (LKS) is the transfer of direct ownership from suppliers to customers, whereas direct bank payments are made to the first seller/supplier. The customer will pay it through periodical installment in accordance with his financial capabilities. in accordance with the cost of goods purchased plus the level of profit agreed by both parties. Murabahah practiced in LKS is known as murabahah li al-'mir bi al-syirÃ¢ ', a sale and purchase transaction in which a customer comes to the bank to buy a commodity with certain criteria, and he promises to buy the commodity/goods in a murabahah contract, i.e. Note: Downloadable document is in Indonesian.The implementation of murabahah concept in syariah bank, if connected to clerical view, experienced some modification. Criticisms and suggestions for improvement will be welcome. Surely it is realized that this book is still full of shortcomings. Therefore, since it contained the material discussed more deeply like Letter of Credit.

The focus given in this book is general knowledge as well as the debriefing for students who are ready to plunge as a business actor. Kritik dan saran untuk perbaikan akan diterima dengan senang hatiĮnglish Abstract: This book is published in relation to teaching materials of courses of Banks and Other Financial Institutions for students taking this subject.

Tentunya disadari bahwa buku ini masih penuh dengan kekurangan. Oleh karenanya, didalamnya terkandung materi yang dibahas lebih dalam seperti Letter of Credit.

Fokus yang diberikan pada buku ini adalah pengetahuan umum sekaligus pembekalan bagi mahasiswa yang siap terjun sebagai pelaku usaha. Indonesian Abstract: Buku ini diterbitkan sehubungan materi mengajar mata kuliah Bank dan Lembaga Keuangan Lain bagi para mahasiswa yang mengambil subyek ini.

Buku lembaga perbankan dan keuangan pdf