Nama : Riyan Ashari Silalahi

Nim : 2005161003
Class : PS-3A
Tes-3

Answer :

1.Riyan : good morning sir

Teller : morning sir, what do you need help with sir?

Riyan : I want to ask sir, I will choose the type of mudharabah financing

So, what are the advantages of implementing mudharabah, sir?

Teller: well, thanks in advance, because you have chosen mudharabah as your type of financing, so the advantage is the
amount you get as an excess of capital

For each party, it must be known and stated at the time the contract was agreed and it must be in the form of a percentage
or ratio, sir, I think so, sir.

Riyan : ohh I see, sir, ok sir, thank you very much sir....

Teller: yes sir, the same

2.bubu : hi yan....

Ryan : Hi bub...

Bubu : Have you learned about Mudharabah?

riyan : Yes bub Already is there anything i can help bub.?

Bubu : Yes, by chance, I want to ask Riyan about Murabahah

riyan : want to ask what bub.? please

Bubu : How is the murabahah financing system?

Riyan : The contract used is Murabaha, which is a sale-purchase contract

between the bank and the customer. The Bank will purchase or order goods

according to the customer's request and then sell them to the customer at the
purchase price plus the agreed profit of the Bank. Fixed installments for the

duration of the agreement.

bubu : can you give me 1 example of murabahah?

riyan : Murabahah transaction is a sale and purchase transaction of goods by

confirming the purchase price and profit margin to the buyer. ... Profits are

obtained by agreement between the seller and the buyer. For example, Mr.

Ahmad bought an Asus brand laptop to Mr. Robert for Rp. 6,500,000

bubu : ok riyan thank you very much riyan : yes bub the same

3.Mudharabah is a form of cooperation between two or more parties in which

the owner of the capital (shahibul amal) entrusts a certain amount of capital

to the manager (mudharib) with an initial agreement. This form emphasizes

cooperation with a one hundred percent contribution of capital from the

capital owner and expertise from the manager.

The following are the terms of profit sharing from the mudharabah contract:

Changes in the ratio must be based on agreement. The fund provider bears all

losses resulting from mudharabah, and the manager must not bear any loss

unless it results from a willful mistake, negligence, or breach of agreement.

An example of a mudharabah between two parties is shahibul maal who

partnered with mudharib for a printing business for 9 months. Shahibul Maal

gave money for business capital of Rp. 20 million. Both parties agree on a

profit-sharing ratio of 40:70 (40% profit for shahibul maal).

4.The contract used is Murabaha, which is a sale-purchase contract between

the bank and the customer. The Bank will purchase or order goods according

to the customer's request and then sell them to the customer at the purchase

price plus the agreed profit of the Bank. Fixed installments for the duration of

the agreement.

Murabahah transaction is a sale and purchase transaction of goods by

confirming the purchase price and profit margin to the buyer. ... Profits are

obtained by agreement between the seller and the buyer. For example, Mr.

Ahmad bought an Asus brand laptop to Mr. Robert for Rp. 6,500,000.

Meanwhile, for customers, this murabahah financing is an alternative funding

that provides benefits to customers in the form of financing customer needs

in terms of procurement of goods, such as buying and renovating buildings,

purchasing vehicles, purchasing productive goods such as production

machines, and...