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The purpose of this research is to criticize the policy in discounting of Murabahah's installment payment in Islamic banking based on Islamic benevolent value of Tjokroaminoto. The critical method of Islamic Tjokroaminoto was used to criticize the policy in discounting of Murabahah’s installment payment in Islamic banking. The result shows that the profit’s domination and egoistic attitude had influenced the policy of margin’s discount in Murabahah’s installment payment when the clients hastened their installment payment period. The major opportunity in giving this kind of discounting is the financial ability of middle up customers and this may imbalance wealth. The solution which built based on Islamic benevolent value of Tjokroaminoto is used to evaluate the subject and the object that deserve to get aid. The aid is for the customer who had inability in paying the installment and the margin dis¬counts were should be influenced by the condition of customer and Islamic banking interest.   Abstrak   Tujuan dari penelitian ini adalah kritik atas kebijakan pemberian potongan pelunasan angsuran murabahah di perbankan syariah berdasarkan nilai kedermawanan Islam Tjokroaminoto. Metode kritis Islam Tjokroaminoto digunakan untuk mengkritisi kebijakan pemberian potongan pelunasan angsuran murabahah di perbankan syariah. Hasil penelitian menunjukkan adanya dominasi keuntungan yang menunjukkan sikap egoistik yang mempengaruhi kebijakan pemberian potongan margin sehingga yang diberikan hanya atas pelunasan pembayaran angsuran murabahah lebih cepat dari waktu jatuh temponya. Peluang terbesar diberikannya potongan ini adalah nasabah kelas atas karena kemampuan finansial-nya sehingga dimungkinkan adanya ketimpangan kesejahteraan. Solusi yang dibangun berdasarkan nilai kedermawanan Islam Tjokroaminoto adalah evaluasi subjek dan objek penerima dengan mengutamakan kepada nasabah yang membutuhkan pertolongan yaitu mengalami penurunan kemampuan membayar angsuran serta besaran potongan margin yang dipengaruhi oleh kondisi nasabah dan kepentingan perbankan syariah.

TINJAUAN KRITIS ATAS KEBIJAKAN PEMBERIAN POTONGAN PELUNASAN ANGSURAN MURABAHAH BERDASARKAN NILAI KEDERMAWANAN ISLAM TJOKROAMINOTO