APLIKASI BAY' AL-MURABAHAH PADA BANK MUAMALAT CABANG PADANG

Bay' al-murabahah includes selling and buying mandate, theoritically selling and buying mandate is done by seller and buger, based on the price of the goods, and price of seller; then add with profit. Application bay' al-murabahah in bank syari'ah often get critics, because additional (profit) to the price of goods is no different with the system interest of conventional bank. This financing transaction artificially applied to the sale and purchase transaction of goods and additional (profit) to the price of good, the relation to the period known as the credit, by payment delays. It clearly that postpone of payment is not essential characteristics from bay' al-murabahah, this characteristic is a credit provided by the bank to the customer. There, it needs to further discussion and evaluation of the application of purchase murabahah by the main problem is how the application bay' al murabahah in bank muamalat branch Padang that