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All Journal Proceeding of International Conference on Humanity Education and Society
Izarotul Halimah
Universitas KH. Mukhtar Syafaat
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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ANALISIS IMPLEMENTASI AKAD MURABAHAH PADA PEMBIAYAAN KUR MIKRO DI BANK SYARIAH INDONESIA KCP ROGOJAMPI Izarotul Halimah; Imam Khusnudin
International Conference on Humanity Education and Society (ICHES) Vol. 5 No. 1 (2026): The 5th International Conference on Humanity Education and Society (ICHES)
Publisher : FORPIM PTKIS ZONA TAPAL KUDA

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Abstract

This study aims to comprehensively analyze the implementation of the murabahah contract in the Micro KUR financing products at Bank Syariah Indonesia (BSI) KCP Rogojampi. Using a descriptive qualitative approach, data were collected through in- depth interviews, observations, and documentation involving financing managers, marketing staff, and customers as informants. The results indicate that the implementation of the murabahah contract at BSI KCP Rogojampi has complied with sharia principles through transparency in acquisition costs and profit margins. Although the mechanism of asset ownership (milkiyah) is often combined with a wakalah contract for operational efficiency, the bank continues to ensure the validity of the contract. The main obstacles identified include administrative complexity that slows down fund disbursement and low customer literacy, as many customers still equate profit margins with conventional interest. Nevertheless, this financing has proven to have a positive impact on improving working capital and production capacity of MSMEs. This study recommends simplifying procedures through digitalization and enhancing more proactive sharia education for customers.
Co-Authors Imam Khusnudin