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DAFTAR ISI

Halaman

HALAMAN JUDUL ........................................................................................ i

HALAMAN NOTA PERSETUJUAN PEMBIMBING ................................ ii

HALAMAN PENGESAHAN .......................................................................... iii

SURAT PERNYATAAN .................................................................................. iv

HALAMAN MOTTO ...................................................................................... v

HALAMAN PERSEMBAHAN ...................................................................... vi

KATA PENGANTAR ...................................................................................... vii

DAFTAR ISI ..................................................................................................... ix

DAFTAR TABEL ............................................................................................. xii

DAFTAR GAMBAR ......................................................................................... xiii

ABSTRAK ......................................................................................................... xiv

BAB I : PENDAHULUAN

A. Latar Belakang ............................................................................ 1

B. Fokus Penelitian ......................................................................... 5

C. Rumusan Masalah ....................................................................... 5

D. Tujuan Penelitian......................................................................... 6

E. Manfaat Penelitian....................................................................... 6

F. Sistematika Penulisan ................................................................ 7

BAB II : KAJIAN PUSTAKA

A. Murabahah................................................................................... 9

1. Definisi Murabahah............................................................... 9

2. Landasan Syariah .................................................................. 11

3. Rukun dan Syarat-Syarat Murabahah ................................... 13

4. Jenis-Jenis Murabahah .......................................................... 17

5. Ketentuan Umum dalam Murabahah .................................... 17

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6. Manfaat Murabahah .............................................................. 19

7. Fatwa Dewan Syariah Nasional 04/DSN-MUI/IV/2000

Tentang Murabahah .............................................................. 20

B. Wakalah....................................................................................... 23

1. Definisi Wakalah................................................................... 23

2. Landasan Syariah .................................................................. 24

3. Rukun dan Syarat Wakalah ................................................... 25

C. Hasil Penelitian Terdahulu.......................................................... 27

D. Kerangka Berpikir ....................................................................... 31

BAB III : METODOLOGI PENELITIAN

A. Jenis dan Pendekatan Penelitian.................................................. 33

B. Sumber Data................................................................................ 33

1. Data Primer ............................................................................ 34

2. Data Sekunder ........................................................................ 34

C. Lokasi Penelitian......................................................................... 34

D. Instrumen Penelitian ................................................................... 35

E. Teknik Pengumpulan Data.......................................................... 35

1. Observasi ............................................................................... 35

2. Wawancara ............................................................................ 35

3. Dokumentasi .......................................................................... 36

F. Uji Keabsahan Data..................................................................... 36

G. Analisis Data ............................................................................... 37

BAB IV : HASIL PENELITIAN DAN PEMBAHASAN

A. Gambaran Umum Obyek Penelitian............................................ 40

1. Sejarah Berdirinya BMT Harapan Ummat Kudus.................. 40

2. RAT (Rapat Anggota Tahunan) BMT Harapan Ummat

Kudus..................................................................................... 41

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3. Data Perusahaan/Aspek Hukum KSU Bmt Harapan Ummat. 41

4. Susunan Organisasi dan Tugas Tanggung Jawab Dewan

Pengawas Syari’ah BMT Harapan Ummat Kudus ................ 42

5. Visi, Misi, Tujuan BMT Harapan Ummat Kudus .................. 48

6. Letak Geografis BMT Harapan Ummat Kudus...................... 48

7. Ruang Lingkup Kegiatan BMT Harapan Ummat Kudus ....... 49

8. Produk-produk BMT Harapan Ummat Kudus ...................... 50

B. Hasil Penelitian dan Pembahasan ................................................ 55

1. Data Penelitian........................................................................ 55

a. Implementasi Pembiayaan Murabahah dengan Akad

Wakalah di BMT Harapan Ummat Kudus......................... 55

b. Kesesuaian Implementasi Pembiayaan Murabahah

dengan Akad Wakalah di BMT Harapan Ummat Kudus

dengan Fatwa DSN MUI NO: 04/DSN-MUI/IV/2000 ...... 61

2. Analisis Data........................................................................... 66

a. Implementasi Pembiayaan Murabahah dengan Akad

Wakalah di BMT Harapan Ummat Kudus......................... 66

b. Kesesuaian Implementasi Pembiayaan Murabahah

dengan Akad Wakalah di BMT Harapan Ummat Kudus

dengan Fatwa DSN MUI NO: 04/DSN-MUI/IV/2000 ...... 70

BAB V : PENUTUP

A. Kesimpulan ................................................................................. 78

B. Saran-saran ................................................................................. 79

C. Penutup ....................................................................................... 79

DAFTAR PUSTAKA

RIWAYAT HIDUP PENULIS

LAMPIRAN-LAMPIRAN

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DAFTAR TABEL

Tabel Halaman

4.1 Pengelola BMT Harapan Ummat Kudus ............................................... 43

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DAFTAR GAMBAR

Halaman

Gambar 2.1 Kerangka Berpikir ....................................................................... 31

4.1 Skema Pembiayaan Murabahah dengan akad Wakalah .............. 59