The Impact of Contract Blending on Sharia Compliance and Social Trust in Islamic Banking Dampak Pencampuran Akad terhadap Kepatuhan Syariah dan Kepercayaan Sosial Perbankan Syariah
Abstract
Abstract: This study analyzes the implementation of Murābahah financing at BPRS Bhakti Sumekar, focusing on compliance with Sharī‘a principles, the role of social trust, and practical solutions to address observed challenges. The background of this research lies in the importance of maintaining the integrity of Sharī‘a principles in Islamic banking operations to build customer trust. The study aims to identify procedural violations, emerging risks, and strategic measures to enhance Sharī‘a compliance. A qualitative approach involving in-depth interviews and observations was employed. Data were analyzed using Social Trust Theory as the conceptual framework. The findings reveal that blending Wakālah and Murābahah contracts, although intended to expedite administrative processes, violates Fatwā DSN-MUI No.04/DSN-MUI/IV/2000 and undermines the bank’s credibility. Furthermore, weak post-financing monitoring triggers side-streaming risks, where customers use funds for purposes beyond the initial agreement. Transparency and education are proven to be key factors in building social trust, influencing customer loyalty and adherence to Sharī‘a principles. The study recommends the adoption of Mu‘allaq contracts for enhanced supervision, the use of digital-based technology for monitoring, and comprehensive customer education programs. Although limited to a single Islamic financial institution, these findings provide significant contributions to the development of social trust-based Sharī‘a financing practices in the Islamic banking sector.
Abstrak: Penelitian ini menganalisis implementasi pembiayaan Murābahah di BPRS Bhakti Sumekar dengan fokus pada kepatuhan terhadap prinsip syariah, peran kepercayaan sosial, dan solusi praktis untuk mengatasi tantangan yang ditemukan. Latar belakang penelitian ini adalah pentingnya menjaga integritas prinsip syariah dalam operasional perbankan syariah untuk membangun kepercayaan nasabah. Penelitian ini bertujuan mengidentifikasi pelanggaran prosedural, risiko yang muncul, dan langkah strategis untuk meningkatkan kepatuhan syariah. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan wawancara mendalam dan observasi. Data dianalisis menggunakan Teori Social Trust sebagai kerangka konseptual. Hasil penelitian menunjukkan bahwa pencampuran akad Wakālah dan Murābahah, meskipun bertujuan mempercepat proses administrasi, melanggar Fatwa DSN-MUI No.04/DSN-MUI/IV/2000 dan menurunkan kredibilitas bank. Selain itu, monitoring pasca-pembiayaan yang lemah memicu risiko side-streaming, yang mana nasabah menggunakan dana untuk tujuan di luar kesepakatan awal. Transparansi dan edukasi terbukti menjadi faktor kunci dalam membangun kepercayaan sosial yang memengaruhi loyalitas nasabah dan kepatuhan terhadap prinsip syariah. Penelitian ini merekomendasikan penerapan akad Mu‘allaq untuk meningkatkan pengawasan, penggunaan teknologi berbasis digital untuk monitoring, dan program edukasi nasabah secara komprehensif. Meskipun penelitian ini terbatas pada satu lembaga keuangan syariah, temuan ini memberikan kontribusi signifikan terhadap pengembangan praktik pembiayaan syariah berbasis kepercayaan sosial di sektor perbankan Islam.
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