Penyelesaian Pembiayaan Bermasalah Pada Pembiayaan Murabahah Di Bank Aceh Syariah Takengon

Syaripuddin, Syaripuddin

doi:10.32505/ihtiyath.v4i1.1402

Cited by 3 publications

(3 citation statements)

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“…Dari beberapa produk yang ditawarkan dilembaga keuangan syariah, Murabahah menjadi salah satu produk yang banyak diminati nasabah (Alges, 2021). Pembiayaan ini termasuk jenis pembiayaan yang bersifat konsumtif, standarisasi produk ini dilakukan oleh Otoritas Jasa Keuangan (OJK) bekerjasama dengan pelaku industri dan Dewan Pengawas Syariah (Syaripuddin, 2020).…”

Section: Pendahuluanunclassified

The Effect of Marketing Mix Strategy on Members' Interest in Using Financing Products Murabahah

Malihah

2023

SINTA Accredited

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The purpose of this study is to find out the financing offered by BMT Khairul Amin in the form of murabahah service products to Members' interest in using these service products, by carrying out a marketing mix strategy. In this study using a quantitative approach by conducting a survey of 82 respondents. The results show that the marketing mix of product, promotion, people and place variables has an F test (simultaneous) effect on 'Members' interest in using' murabahah financing service products'. This is known through the value of fcount = 33.552 > ftable = 2.02 and the value of sig. = 0.000 <α = 0.1 or a significance of 10%. While the T test (partial) product and promotion variables have no effect on Member interest. It is known that the product variable has a tcount = 0.413 < ttable = 1.665 with sig. = 0.681> α = 0.1 and the promotion variable tcount = 0.835 < ttable = 1.665 with sig. = 0.406 > α = 0.1. While the variables of people and places partially have an influence on Member interest. It is known that the person variable has a tcount=2.367 > ttable=1.665 with sig.= 0.020 < α= 0.1 and the place variable has a tcount= 4.556 > ttable= 1.665 with sig.= 0.000 <α= 0.1. Based on the coefficient of determination test (R2), it is known that the marketing mix variable "product, promotion, people and place" has an influence of 63.5% on Member interest.

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Section: Pendahuluanunclassified

The Effect of Marketing Mix Strategy on Members' Interest in Using Financing Products Murabahah

Malihah

2023

SINTA Accredited

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“…Tabel 2 dan Gambar 4 Diagram dibawah ini akan membagi tempat mana saja yang sudah bisa menerapkan akad murabahah yang selaras dengan ekonomi syariah dengan merujuk pada Fatwa DSN-MUI maupun yang tidak atau masih samar-samar. Untuk lebih detailnya berikut ini adalah penjelasan terkait hasil penelitian yang ada: Pertama adalah Sesuai Dengan Fatwa Dari tabel dan gamabr diatas, terdapat 14 (empat belas) artikel jurnal yang sudah dapat melakukan praktik Pembiayaan Murbahah sesuai dengan Fatwa DSN-MUI dalam artian sudah menerapkan fatwa dengan baik, hal tersebut dapat dilihat pada praktiknya apakah sedah sesuai dengan ketentuan yang berlaku atau masih ada kecatatan dan lainnya, terhindar dari apa-apa yang sudah dilarang atau tidak (Fahmi, 2020) (Ai Siti Nurjadidah et al, 2020 (Anugrah, 2020) (Nasution, 2021) (Istiowati & Muslichah, 2021) (Ramadani, 2022) (Supriyadi, 2020) (Juni Marianti STEI Hamfara Yogyakarta et al, 2021) (Afif & Haryono, 2022) (Hadiatini et al, 2022) (Supriyadi, 2022) (Irawan, 2022) (D. M. Putri et al, 2021) (Syaripuddin, 2020) (Regina Maretha & Indriasih, 2022.…”

Section: Implementasi Fatwa Pada Pembiayaan Akad Murabahahunclassified

Implementasi Pembiayaan Murabahah pada Perbankan Syariah di Indonesia: Studi Literatur

Shalahuddin,

Fauziah

2023

JFCFT

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This study tried to look at research related to Murabahah Contract Financing in Islamic Banking in Indonesia bycollecting sufficient information on murabahah contract financing, such as house, vehicle, and productive installments, such as investment and business working capital. This research method uses qualitative methods, namely literature research by collecting some previous research during the period 2020 (two thousand twenty) to 2022 (two thousand twenty-two) that have been published, journal articles related to murabahah contract financing were collected as many as 25 (twenty-five). The search for this document study is a scientific paper that is not a thesis through the google scholar website page and the help of Public or Perish software (POP) using the keyword "Murabahah Financing". According to Sharia Banking Statistics Data, January 2020 issued by the OJK (Financial Services Authority) on the Composition of Financing that i provide Sharia People's Financing Banks, jumlah rekening Sharia People's Financing Banks and equivalent rates of rewards/profit sharing/fees/bonuses of Sharia People's Financing Banks in the Murabahah Contract it is always the most among other contracts, except in the equivalent of the level of reward/profit sharing/fee/bonus only slightly difference between the murabahah contract and the musyarakah contract (19.73 with 22.66). The most research states that murabahah contract financing has a considerable influence on Islamic banking. Based onthe results of this literature study, it can be concluded that murabahah contract financing plays an important role as the most dominant contract used by customers. Penelitian ini mencoba melihat riset terkait Pembiayaan Akad Murabahah pada Perbankan Syariah di Indonesia dengan melakukan pengumpulkan informasi yang cukup terhadap pembiayaan akad murabahah, seperti angsuran rumah, kendaraan, dan produktif, seperti investasi maupun modal kerja usaha. Metode penelitian ini menggunakan metode kualitatif, yaitu penelitian kepustakaan dengan mengumpulkan beberapa penelitian terdahulu selama periode 2020 (dua ribu dua puluh) sampai dengan 2022 (dua ribu dua puluh dua) yang sudah dipublish, artikel jurnal yang terkait pembiayaan akad murabahah dikumpulkan sebanyak 25 (dua puluh lima). Pencarian studi dokumen ini karya tulis ilmiah yang bukan skripsi melalui laman website google scholar dan bantuan software (POP) Public or Perish dengan menggunakan kata kunci “Pembiayaan Murabahah”. Menurut Data Statistik Perbankan Syariah, Januari 2020 terbitan OJK (Otoritas Jasa Keuangan) pada Komposisi Pembiayaan yang diberikan Bank Pembiayaan Rakyat Syariah, jumlah rekening Bank Pembiayaan Rakyat Syariah serta Ekuivalen tingkat imbalan/bagi hasil/fee/bonus Bank Pembiayaan Rakyat Syariah pada Akad Murabahah selalu paling banyak diantara akad lainnya, kecuali pada Ekuivalen tingkat imbalan/bagi hasil/fee/bonus hanya beda sedikit antara akad murabahah dengan akad musyarakah (19,73 dengan 22,66). Penelitian paling banyak menyebutkan bahwa pembiayaan akad murabahah memberikan pengaruh yang cukup besar bagi Perbankan Syariah. Berdasarkan hasil studi literatur ini maka dapat disimpulkan bahwa pembiayaan akad murabahah memegang peranan penting sebagai akad yang paling dominan digunakan oleh Nasabah

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“…Kina menyarankan pendekatan yang melibatkan pemahaman karakteristik nasabah, pendekatan personal, dan menyediakan solusi pengembangan usaha, termasuk bantuan pemasaran produk nasabah oleh BMT. Syaripuddin (2020) dalam penelitiannya mengungkap faktor internal dan eksternal yang menyebabkan pembiayaan bermasalah. Ia menyatakan bahwa solusi dapat meliputi rescheduling, reconditioning, dan penyitaan jaminan sebagai opsi terakhir.…”

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Strategi Penyelesaian Pembiayaan Bermasalah pada Akad Murabahah di Pt Bank Aceh Syariah Cabang Jeuram

Devi,

Marlina

2024

jMt

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This research investigates the strategies for resolving problematic financing in murabahah contracts at PT Bank Aceh Syariah, Jeuram Branch, utilizing a qualitative approach. Primary data was collected through structured interviews and direct observation from February to May 2023. The study's focus includes the main requirements for customers in murabahah contracts, the application of the 5C principle, and methods for resolving problematic financing. The primary informants were the staff of Bank Aceh Syariah, Jeuram Branch, including Mr. Muhammad Junaidi, Mr. Nasrusdi, Mr. Teuku Asnawi, and Mr. Zikran Niam. The results indicate that the murabahah financing process requires comprehensive documentation and financial proof from customers. The application of the 5C principle, particularly focusing on the character of prospective customers, is a crucial step in creditworthiness assessment. Strategies for resolving problematic financing include restructuring stages such as rescheduling and reconditioning, as well as a musyawarah approach with customers. The bank also implements preventive and curative strategies, including comprehensive analysis and evaluation by Account Officers. As a final measure, the sale or auction of collateral is adopted as a resolution solution. In conclusion, the strategies applied by Bank Aceh Syariah, Jeuram Branch, in handling problematic financing demonstrate a comprehensive approach aligned with Sharia principles.

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Penyelesaian Pembiayaan Bermasalah Pada Pembiayaan Murabahah Di Bank Aceh Syariah Takengon

Cited by 3 publications

References 0 publications

The Effect of Marketing Mix Strategy on Members' Interest in Using Financing Products Murabahah

The Effect of Marketing Mix Strategy on Members' Interest in Using Financing Products Murabahah

Implementasi Pembiayaan Murabahah pada Perbankan Syariah di Indonesia: Studi Literatur

Strategi Penyelesaian Pembiayaan Bermasalah pada Akad Murabahah di Pt Bank Aceh Syariah Cabang Jeuram

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