Main Article Content
Abstract
Dominated murabahah contract phenomena in bank of sharia is really easy to see. This
thing becomes an evidence that in doing its function of distributing funds, bank of sharia
just tend to product which is not sharing benefit base. Further searching related on
motivation of sharia bank in distributing its funds to murabahah product shows that
murabahah product for bank has level of risk that relatively low. But, for the customers on
that product has no different with credit which is given by conventional bank that
commanded in giving a fixed margin. That margin calculation in fact still refer to level of
interest in BI. The phenomena shows that the orientation of sharia bank still limited in
profit and obedience of islamic principle. While in social orientation, to increase the
welfare of society is still not performing well.