Sharia Banking

According to article 1 point 1 of the Indonesian law number 21 of 2008 concerning sharia banking and everything related to sharia banks and sharia business units, including institutional activities and its ways to do activities and processes. The trading system (Buying-selling) in Islamic banking have several benefits, one of which is the capital provided consistently related to the real sector as the goods sold are the base for it. In addition, the agreed price remain unchanged until the terms end, one of the examples is murabaha. In the implementation of the murabaha,occasionally the customers breach the agreement with several consequences, in effect, bank applies fines for late payment of installment. The purpose of this paper is to explain the implementation of the fine in the murabaha agreement in Islamic banking in Banda Aceh. This type of research uses primary data or empirical juridical research that examines law identification (unwritten) and research on the effectiveness of law as an object of research. The approach used in this research is a qualitative approach and presented in analytical descriptive form. The results showed high level of neglection among customers regarding the principle of finesand some still signed the contract immediately without trying to understand the terms of the contract. Moreover, lack of direct communication and supervision by the bank are other factors that prevent the customers business to operate normally without installment payments being delayed.Based on the results of this study, it is suggested to customers to understand and read the murabaha contract before it is signed so that they can object to the payment of a fine when they are unable to pay. Furthermore, the bank should ensure and continuously remind customers to read the entire contract, examine and supervise periodically customer's business activities to avoid the case of unpaid installment.