Perbandingan Instrumen Pembiayaan Bank Mega Syariah: Mudharabah, Musyarakah, Ijarah, Istisna, dan Murabahah

Catherine Catherine; Eileen Mirabelle; Gandi Gandi; Novita Novita; Tryen Lux Shandova Manalu; Vian Ervina

doi:10.30640/inisiatif.v3i1.2026

Authors

Catherine Catherine Universitas Internasional Batam
Eileen Mirabelle Universitas Internasional Batam
Gandi Gandi Universitas Internasional Batam
Novita Novita Universitas Internasional Batam
Tryen Lux Shandova Manalu Universitas Internasional Batam
Vian Ervina Universitas Internasional Batam

DOI:

https://doi.org/10.30640/inisiatif.v3i1.2026

Keywords:

Ijarah, Istisna, Murabahah

Abstract

Bank Mega Syariah is one of the leading Islamic financial institutions in Indonesia. The bank was established with the aim of providing banking services in accordance with sharia principles in Islam. The main Islamic banking concepts, namely Mudharabah, Musyarakah, Ijarah, Istishna, and Murabahah, in the context of Bank Mega Syariah. This study analyzes the proportion of each instrument to the bank's total financing and classifies the instruments based on the social needs pyramid of the higher ethical objective (maqashid sharia), including classification as pseudo-Islamic, sharia compliance, or sharia-based.

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