Analisis Penerapan Pembiayaan Akad Murabahah Bank Rakyat Indonesia Syariah (BRI Syariah) Pekanbaru
This research was conducted at BRI Syariah Pekanbaru, with the aim of knowing the application of murabahah financing, is it in accordance with Islamic principles or is it in accordance with the fatwa set by DSN-MUI. The sampling method of this research using snowball sampling, by interview, observa...
| Main Authors: | , , , |
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| Format: | Article |
| Language: | English |
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Universitas KH Abdul Chalim, Prodi Ekonomi Syariah
2020-07-01
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| Series: | Indonesian Interdisciplinary Journal of Sharia Economics |
| Subjects: | |
| Online Access: | https://e-journal.ikhac.ac.id/index.php/iijse/article/view/723 |
| _version_ | 1797333784685707264 |
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| author | Mohd Winario Irawati Irawati Hasgimianti Hasgimianti Emilia Susanti |
| author_facet | Mohd Winario Irawati Irawati Hasgimianti Hasgimianti Emilia Susanti |
| author_sort | Mohd Winario |
| collection | DOAJ |
| description |
This research was conducted at BRI Syariah Pekanbaru, with the aim of knowing the application of murabahah financing, is it in accordance with Islamic principles or is it in accordance with the fatwa set by DSN-MUI. The sampling method of this research using snowball sampling, by interview, observation and documentation. This research uses descriptive qualitative analysis. The results can be concluded that the application of BRI Syariah Pekanbaru murabaha financing uses a tiered percentage system from each year on the principal of murabahah financing. Determination of margins is still calculated based on the BI Rate and looking at the applicable margins in other banks. The murabahah financing system at the bank can start from administrative requirements, collateral requirements, financing conditions, financing ceiling, financing period, and fees charged to customers. In determining murabahah financing margins, the rate of inflation is still used annually. If the BI rate is higher, then the margin taken by the bank of the customers will be higher also.
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| first_indexed | 2024-03-08T08:10:08Z |
| format | Article |
| id | doaj.art-021a31b2b0544d20b7c1fe4aea179589 |
| institution | Directory Open Access Journal |
| issn | 2621-606X |
| language | English |
| last_indexed | 2024-03-08T08:10:08Z |
| publishDate | 2020-07-01 |
| publisher | Universitas KH Abdul Chalim, Prodi Ekonomi Syariah |
| record_format | Article |
| series | Indonesian Interdisciplinary Journal of Sharia Economics |
| spelling | doaj.art-021a31b2b0544d20b7c1fe4aea1795892024-02-02T08:50:02ZengUniversitas KH Abdul Chalim, Prodi Ekonomi SyariahIndonesian Interdisciplinary Journal of Sharia Economics2621-606X2020-07-013110.31538/iijse.v3i1.723Analisis Penerapan Pembiayaan Akad Murabahah Bank Rakyat Indonesia Syariah (BRI Syariah) PekanbaruMohd Winario0Irawati Irawati1Hasgimianti Hasgimianti2Emilia Susanti3Sekolah Tinggi Ekonomi Islam Iqra Annisa PekanbaruUniversitas Islam Negeri Sultan Syarif Kasim RiauUniversitas Islam Negeri Sultan Syarif Kasim RiauUniversitas Islam Negeri Sultan Syarif Kasim Riau This research was conducted at BRI Syariah Pekanbaru, with the aim of knowing the application of murabahah financing, is it in accordance with Islamic principles or is it in accordance with the fatwa set by DSN-MUI. The sampling method of this research using snowball sampling, by interview, observation and documentation. This research uses descriptive qualitative analysis. The results can be concluded that the application of BRI Syariah Pekanbaru murabaha financing uses a tiered percentage system from each year on the principal of murabahah financing. Determination of margins is still calculated based on the BI Rate and looking at the applicable margins in other banks. The murabahah financing system at the bank can start from administrative requirements, collateral requirements, financing conditions, financing ceiling, financing period, and fees charged to customers. In determining murabahah financing margins, the rate of inflation is still used annually. If the BI rate is higher, then the margin taken by the bank of the customers will be higher also. https://e-journal.ikhac.ac.id/index.php/iijse/article/view/723Islamic BankFinancingContractMurabahah |
| spellingShingle | Mohd Winario Irawati Irawati Hasgimianti Hasgimianti Emilia Susanti Analisis Penerapan Pembiayaan Akad Murabahah Bank Rakyat Indonesia Syariah (BRI Syariah) Pekanbaru Indonesian Interdisciplinary Journal of Sharia Economics Islamic Bank Financing Contract Murabahah |
| title | Analisis Penerapan Pembiayaan Akad Murabahah Bank Rakyat Indonesia Syariah (BRI Syariah) Pekanbaru |
| title_full | Analisis Penerapan Pembiayaan Akad Murabahah Bank Rakyat Indonesia Syariah (BRI Syariah) Pekanbaru |
| title_fullStr | Analisis Penerapan Pembiayaan Akad Murabahah Bank Rakyat Indonesia Syariah (BRI Syariah) Pekanbaru |
| title_full_unstemmed | Analisis Penerapan Pembiayaan Akad Murabahah Bank Rakyat Indonesia Syariah (BRI Syariah) Pekanbaru |
| title_short | Analisis Penerapan Pembiayaan Akad Murabahah Bank Rakyat Indonesia Syariah (BRI Syariah) Pekanbaru |
| title_sort | analisis penerapan pembiayaan akad murabahah bank rakyat indonesia syariah bri syariah pekanbaru |
| topic | Islamic Bank Financing Contract Murabahah |
| url | https://e-journal.ikhac.ac.id/index.php/iijse/article/view/723 |
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