{"id":348,"date":"2021-02-05T13:35:50","date_gmt":"2021-02-05T06:35:50","guid":{"rendered":"https:\/\/bmtalikhwan.com\/home\/bmt\/?p=348"},"modified":"2021-02-08T13:03:03","modified_gmt":"2021-02-08T06:03:03","slug":"skema-jual-beli-di-bmt-al-ikhwan","status":"publish","type":"post","link":"https:\/\/bmtalikhwan.com\/home\/bmt\/2021\/02\/skema-jual-beli-di-bmt-al-ikhwan\/","title":{"rendered":"Skema Jual Beli di BMT Al Ikhwan"},"content":{"rendered":"<p>Tidak semua orang bisa membeli barang secara tunai (<em>cash<\/em>). Kadang kala, memiliki suatu barang \u00a0bisa juga dibeli dengan sistem kredit atau dicicil. Ajaran Islam sendiri \u00a0tidak melarang membeli barang\u00a0 dengan cara kredit. Asalkan tidak melanggar ketentuan syariah.<!--more--><\/p>\n<p>BMT Al-Ikhwan dapat membantu anggota yang membutuhkan barang tertentu dengan sistem kredit. Prinsip yang dipakai adalah jual beli dengan diangsur.<\/p>\n<p>Skema akad jual beli di BMT Al Ikhwan dapat digambarkan \u00a0sebagai berikut:<\/p>\n<p>Seseorang akan membeli suatu barang secara kredit (selanjutnya disebut Pemohon). \u00a0Pemohon \u00a0mengajukan permohonan pembelian suatu barang kepada BMT Al Ikhwan. Kemudian BMT Al Ikhwan akan mengadakan wawancara dengan pemohon. Setelah pengajuan disetujui, BMT Al Ikhwan akan menyediakan barang yang dibutuhkan oleh pemohon, setelah membelinya dari toko atau supplier. Setelah barang dimiliki BMT, kemudian BMT menjualnya kepada\u00a0 pemohon secara kredit. Barang dijual sesuai harga perolehan ditambah dengan keuntungan untuk BMT.<\/p>\n<p>Jual beli diwujudkan dengan menandatangani akad jual beli <em>murabahah<\/em>. Jual beli <em>murabahah<\/em> adalah \u00a0jual beli dimana penjual menyebutkan harga perolehan (harga beli + biaya) dari barang tersebut dan dijual dengan tambahan harga (<strong><em>margin<\/em><\/strong>)<\/p>\n<p><a href=\"https:\/\/bmtalikhwan.com\/home\/bmt\/2021\/02\/skema-jual-beli-di-bmt-al-ikhwan\/skema-murobahah-new\/\" rel=\"attachment wp-att-349\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-349 size-large\" src=\"https:\/\/bmtalikhwan.com\/home\/bmt\/wp-content\/uploads\/sites\/2\/2021\/02\/skema-murobahah-new-1024x782.jpg\" alt=\"\" width=\"1024\" height=\"782\" srcset=\"https:\/\/bmtalikhwan.com\/home\/bmt\/wp-content\/uploads\/sites\/2\/2021\/02\/skema-murobahah-new-980x748.jpg 980w, https:\/\/bmtalikhwan.com\/home\/bmt\/wp-content\/uploads\/sites\/2\/2021\/02\/skema-murobahah-new-480x366.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tidak semua orang bisa membeli barang secara tunai (cash). Kadang kala, memiliki suatu barang \u00a0bisa juga dibeli dengan sistem kredit atau dicicil. Ajaran Islam sendiri \u00a0tidak melarang membeli barang\u00a0 dengan cara kredit. Asalkan tidak melanggar ketentuan syariah.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-348","post","type-post","status-publish","format-standard","hentry","category-akad"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Skema Jual Beli di BMT Al Ikhwan - KSPPS BMT AL IKHWAN<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bmtalikhwan.com\/home\/bmt\/2021\/02\/skema-jual-beli-di-bmt-al-ikhwan\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Skema Jual Beli di BMT Al Ikhwan - KSPPS BMT AL IKHWAN\" \/>\n<meta property=\"og:description\" content=\"Tidak semua orang bisa membeli barang secara tunai (cash). 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