KEDUDUKAN ILMU EKONOMI ISLAM TERHADAP LABA BANK SYARIAH DALAM ILMU FIQIH MUAMALAH

Abstract

Islamic economics is a branch of science in which it studies and analyzes the economic behavior of individuals, communities, and governments. In fiqh muamalah, Islamic economics regarding the concept of Islamic bank profits, there are several basic things that become Islamic principles regarding the methods used in the assessment of Islamic banks in accordance with Islamic economic law, namely Islamic banks must be able to establish a profit-sharing system for both profits and losses that must be borne together between the bank and the customer. Islamic financial institutions have emphasized that they must carry out justice in the distribution of profits between Islamic banks and customers and the community so as to get blessings and comply with the sharia principles contained therein, this is the main basis for assessing the profitability of Islamic banks. One important aspect of running an Islamic economy is to use the concept of profit in Islamic banking. Profit in Islamic economics is defined as a system of increasing the principal capital spent and calculating the costs incurred to obtain that profit. The purpose of this research is to find out the position of Islamic economics on Islamic bank profits in the science of muamalah fiqh. This research uses a literature review medote, which focuses on qualitative research. Which in this research collects data and information from various relevant sources, the author chose ten references to scientific articles. From the results of the study, it was found that in the practice carried out in the implementation of BNI Syariah Yogyakarta murabahah products described by Bahauddin, a practitioner of BNI Syariah Yogyakarta, the content of the data presented will remain relevant and will be widely used in Islamic banks. the practice of determining this profit can be related to the object of murabahah, for example in the purchase pattern, where the customer can change his intention or change his mind to buy goods or other products.