ABSTRAK Skripsiiniadalahhasilpenelitian yang berjudul“Penerapan Syarat Sah Perjanjian Pada Akad Murabahah Di Bank Muamalat Cabang Surabaya Dalam Perspektif KUH Perdata Dan KHES”.Syarat sah perjanjian merupakan syarat untuk mengikatnya suatu kontrak, menurut KHES suatu akad/perjanjian dikatakan sah dan mengikat kedua belah pihak apabila syarat dan rukunnya akad/perjanjian terpenuhi. Pembiayaan akad Murabahah yang ada di Bank Syariah juga tidak terlepas dari sebuah perjanjian antara kedua belah pihak. dalam prakteknya bank menerapkan syarat tertentu terhadap nasabah seperti syarat usia 21 tahun ke atas calon nasabah. Tujuan dari penelitian ini dilakukan untuk menggambarkan penerapan syarat sah perjanjian pada akad Murabahah yang ada di Bank Muamalat Cabang Surabaya dan dianalisa menurut perspektif KUH Perdata dan KHES. Metodepenelitianinimenggunakanpenelitianlapangan (field research). Sedangkanteknikanalisisdatanyamenggunakanteknikanalisisdeskriptifkualitatif.Hasildaripenelitian ini adalahpertama, kesepakatan yang berbentuk tertulis, objek akad berupa iB KPR Muamalat/modal kerja dan kecakapan seseorang 21 tahun ke atas. Kedua, dalam perspektif KUH Perdata kesepakatan berbentuk tertulis sesuai dengan pasal 1321 KUH Perdata, objek akad sesuai dengan pasal 1332 dan 1335 KUH Perdata. Namun, tidak sesuai dengan satu maksud kecakapan hukum menurut pasal 330 KUH Perdata yaitu cakaphukumapabilasudahmenikahmeskipunbelum21 tahun. Perspektif KHES tentang kesepakatan kedua belah pihak sesuai dengan pasal 29-35 dan 59-60 KHES. Tentang objek akad sesuai dengan pasal 24-25 KHES. Namun, syaratseseorangcakaphukum tidak sesuai menurutpasal 2 ayat (1)apabilasudah 18 tahunatausudah menikah meskipun belum 18 tahun. Kata kunci, Syarat sah perjanjian, akad Murabahah, KUH Perdata, KHES.

ABSTRACT This thesis is a research, entitled "Application of Legal Terms Akad Murabahah Agreement On Bank Muamalat branch in Surabaya in the Perspective of the Civil Code and KHES". Terms legitimate agreement is a requirement to tie a contract, according to KHES a contract / agreement says is valid and binding on both parties if the terms and the pillars of the contract / agreement are met. Murabahah financing at Bank Syariah can not be separated from an agreement between the two sides. in practice the bank to apply certain conditions to customers such as the age requirement 21 years and over prospective customers. The purpose of this research is to describe the application of a legitimate requirement on Murabahah agreement in Bank Muamalat Surabaya branch and analyzed from the perspective of the Civil Code and KHES. This research method using field research (field research). While the technique of data analysis used qualitative descriptive analysis technique. Results from this study is the first, in the form of a written agreement, the object of the contract in the form of mortgage iB Muamalat / working capital and skills a person 21 years and over. Second, in the perspective of the Civil Code written form of the agreement in accordance with article 1321 of the Civil Code, the object of the contract in accordance with article 1332 and 1335 of the Civil Code. However, it is not in accordance with the intention of legal capacity under article 330 of the Civil Code that is capable of law if already married though not yet 21 years old. KHES perspective on the agreement of both parties in accordance with articles 29-35 and 59-60 KHES. About the object of the contract in accordance with Article 24-25 KHES. However, a person skilled legal requirement is not appropriate according to Article 2 paragraph (1) if it has been 18 years or married although not yet 18 years old. Keywords, Terms lawful agreement, Murabahah, the Civil Code, KHES

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