Implementasi Akad Murabahah Pada Transaksi Penjualan Hasil Kebun Jeruk Antara Petani Dengan Pemborong Di Desa Kalisongo Kecamatan Dau Kabupaten Malang

Abstract

As an agricultural country with high citrus productivity, Indonesia faces challenges in marketing the harvests of small-scale citrus farmers, especially in Kalisongo Village, Dau District, Malang Regency, who rely on contractors with pre-harvest practices that have the potential to lead to gharar (unlawful exchange) and price inequities. This study uses a descriptive qualitative approach with data triangulation (interviews, observation, documentation) from November 2025 to February 2026. The murabahah contract is a sharia-compliant sale and purchase agreement in which the seller (farmer) discloses the cost price and profit margin to the contractor transparently before the acceptance of the contract, with a clear object (ripe, quality oranges), a fixed price, and physical handover, in accordance with DSN-MUI Fatwa No. 04/2000, which guarantees fairness, prohibition of usury, and transaction certainty. The results of this study indicate that the implementation is largely in accordance with sharia, although partially. To reduce risk and information asymmetry, sharia literacy training and standard contract templates are recommended to optimize farmer welfare.