Persepsi Nasabah Terhadap Transparansi Akad Murabahah di Bank Syariah

Jureid; Riski Ramadani; Lily Muthia Arini; Salsa Billah; Risky Alfandi Nasution

doi:10.53697/emak.v7i1.3625

Authors

Jureid Sekolah Tinggi Agama Islam Negeri Mandailing Natal
Riski Ramadani Sekolah Tinggi Agama Islam Negeri Mandailing Natal
Lily Muthia Arini Sekolah Tinggi Agama Islam Negeri Mandailing Natal
Salsa Billah Sekolah Tinggi Agama Islam Negeri Mandailing Natal
Risky Alfandi Nasution Sekolah Tinggi Agama Islam Negeri Mandailing Natal

DOI:

https://doi.org/10.53697/emak.v7i1.3625

Keywords:

Persepsi Nasabah, Transparansi Akad Murabahah, Nasabah Bank Syariah, Kepercayaan, Kepuasan Nasabah, Akuntabilitas Informasi

Abstract

Akad murabahah adalah salah satu instrumen penting dalam pembiayaan syariah yang digunakan oleh bank syariah, di mana transparansi berperan penting untuk mempertahankan kepercayaan nasabah dan mematuhi prinsip-prinsip syariah. Penelitian ini bertujuan untuk meneliti pandangan nasabah mengenai tingkat transparansi akad murabahah di bank syariah, termasuk dalam hal pengungkapan biaya, margin keuntungan, dan proses kontrak. Metodologi kuantitatif diterapkan dengan melakukan survei terhadap nasabah bank syariah di daerah Jawa Tengah, Indonesia, yang dipilih melalui purposive sampling. Untuk menganalisis data, digunakan analisis deskriptif dan regresi linier berganda guna menguji faktor-faktor yang mempengaruhi pandangan tersebut. Hasil penelitian menunjukkan bahwa pandangan nasabah mengenai transparansi akad murabahah secara keseluruhan berada pada tingkat menengah. Faktor utama yang berkontribusi pada pandangan positif adalah kualitas informasi yang diungkapkan oleh petugas bank dan pemahaman nasabah tentang prinsip-prinsip syariah, sementara kurangnya pendidikan digital menjadi hambatan yang signifikan. Nasabah cenderung merasa kurang puas dengan transparansi dalam penentuan margin keuntungan yang kadang tidak dijelaskan secara rinci.

Downloads

Download data is not yet available.

References

Afriani, A., Lubis, T. W., Marliyah, M., & Halimatussakdiyah, H. (2024). Analisis kepuasan nasabah terhadap produk murabahah di bank syariah. JoSES: Journal of Sharia Economics Scholar, 2(2). https://doi.org/10.5281/zenodo.12621754

Ahmed, I. (2021). Customers' perceptions and their responses to objectives of Islamic banks: A three-wave investigation. Asian Economic and Financial Review, 11(1), 43–56. https://doi.org/10.18488/JOURNAL.AEFR.2021.111.43.56

Aji, H. M. (2021). The effects of subjective norm and knowledge about riba on intention to use e-money in Indonesia. Journal of Islamic Marketing, 12(6), 1180–1196. https://doi.org/10.1108/JIMA-10-2019-0203

Andespa, R. (2024). A systematic review of customer sharia compliance behaviour in Islamic banks: Determinants and behavioural intention. Journal of Islamic Marketing, 15(4), 1013–1034. https://doi.org/10.1108/JIMA-06-2023-0181

Antonio, M. S. (2001). Bank syariah: Dari teori ke praktik. Gema Insani. https://books.google.co.id/books?id=r3yFiZMvgdAC

Arifin, A. (2023). Fatwa DSN-MUI No. 04/DSN-MUI/IV/2000 tentang murabahah: Refleksi kritis terhadap implementasi BSI dimensi ekonomi Islam. Balanca: Jurnal Ekonomi dan Bisnis Islam, 5(1). https://doi.org/10.35905/balanca.v6i1.5079

Hasballah, I. (2023). Pengaruh pelayanan terhadap kepuasan nasabah Bank Syariah Indonesia (BSI) KCP Grong-Grong Sigli. Jurnal Al-Mizan, 10(2), 204–214. https://doi.org/10.54621/jiam.v10i2.658

Hati, S. R. H. (2021). The antecedents of Muslim customers’ intention to invest in an Islamic bank’s term deposits: Evidence from a Muslim majority country. Journal of Islamic Marketing, 12(7), 1363–1384. https://doi.org/10.1108/JIMA-01-2020-0007

Hayyah, A. W., & Nurlaila, N. (2025). Analysis of customer perception in the use of micro product financing using murabahah contract: Case study of BSI KCP Medan Adam Malik. International Journal of Education, Social Studies, and Management (IJESSM), 5(1), 393–398. https://doi.org/10.52121/ijessm.v5i1.620

Hidayati, N. K., Setyowati, R., & Zakiyah, N. (2021). Peran Dewan Pengawas Syariah (DPS) dan Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) dalam pengembangan industri wisata halal Indonesia. Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 6(3), 709–732. https://doi.org/10.30651/jms.v6i3.7585

Hoque, M. N. (2022). What factors influence customer attitudes and mindsets towards the use of services and products of Islamic banks in Bangladesh? Sustainability, 14(8). https://doi.org/10.3390/su14084703

Huda, N., & Nasution, M. E. (2007). Investasi pada pasar modal syariah. Kencana Prenada Media Group. https://books.google.co.id/books?id=zXTquAAACAAJ

Indriani, D., Al-Rubaie, H., Sharipov, R., & Al-Shaibani, A. (2025). Analysis of compliance with sharia principles in murabahah financing contracts at Bank Syariah Indonesia Batusangkar. Al-Wadh’iyyah: Journal of Sharia Law and Legal Studies, 1(2), 50–59.

Ismail. (2017). Perbankan syariah. Kencana. https://books.google.co.id/books?id=X9xDDwAAQBAJ

Jawaid, S. T. (2023). Islamic banking and customer satisfaction in Pakistan: Evidence from internal and external customers. Journal of Islamic Marketing, 14(2), 435–464. https://doi.org/10.1108/JIMA-09-2020-0297

Khan, I. U. (2024). Green banking practices, bank reputation, and environmental awareness: Evidence from Islamic banks in a developing economy. Environment, Development and Sustainability, 26(6), 16073–16093. https://doi.org/10.1007/s10668-023-03288-9

Lebdaoui, H. (2024). Propensity towards Islamic banking among non-users: A mixed-methods analysis. Journal of Financial Services Marketing, 29(1), 45–66. https://doi.org/10.1057/s41264-022-00178-5

Makkulau, A. (2023). Shariah murabahah financing in Islamic banks. BANCO: Jurnal Manajemen dan Perbankan Syariah, 5(1). https://doi.org/10.35905/banco.v5i1.5157

Meilani, A., & Sugiarti, D. (2022). Analisis kualitas layanan dan kepuasan nasabah Bank Syariah Indonesia. Jurnal Ilmiah Ekonomi Islam, 8(3), 2501–2510. https://doi.org/10.29040/jiei.v8i3.6586

Muhammad, A. M. (2024). Use of emerging social media platforms in reshaping the UAE Islamic banks’ promotional strategies. Journal of Islamic Marketing, 15(2), 338–360. https://doi.org/10.1108/JIMA-01-2022-0015

Naeem, M. (2021). Developing the antecedents of social influence for internet banking adoption through social networking platforms: Evidence from conventional and Islamic banks. Asia Pacific Journal of Marketing and Logistics, 33(1), 185–204. https://doi.org/10.1108/APJML-07-2019-0467

Oladapo, I. A. (2022). Customers’ perceptions of FinTech adaptability in the Islamic banking sector: Comparative study on Malaysia and Saudi Arabia. Journal of Modelling in Management, 17(4), 1241–1261. https://doi.org/10.1108/JM2-10-2020-0256

Rahman, M. K. (2023). Do customers' perceptions of Islamic banking services predict satisfaction and word of mouth? Evidence from Islamic banks in Bangladesh. PLOS ONE, 18(1). https://doi.org/10.1371/journal.pone.0280108

Rakhli, M. R. A. (2024). Analisis pengaruh kualitas layanan dan kepercayaan terhadap kepuasan dan loyalitas nasabah Bank BSI Syariah. Universitas Islam Sultan Agung.

Said, G. H. N., & Hilalludin, H. (2025). Analisis efektivitas pembiayaan murabahah terhadap pemberdayaan UMKM di Indonesia. Al Hilali: Jurnal Perbankan dan Ekonomi Islam, 1(1), 31–41.

Shehab, N. Al. (2021). Artificial intelligence and women empowerment in Bahrain. Studies in Computational Intelligence, 954, 101–121. https://doi.org/10.1007/978-3-030-72080-3_6