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Suriani
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Journal : Management Journal and Economic Review

 1 
Analisis implementasi akad murabahah pada produk pembiayaan cicil emas di Bank Syariah Indonesia KCP Selong Lombok Timur, Nusa Tenggara Barat Hidayaturrahmaniah, Nadiya; Suriani
Management Journal and Economic Review Vol. 2 No. 1: June 2023 - MANAJER
Publisher : Relawan Sosial Ekonomi (RSE) Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59834/manajer.v2i1.11

Abstract

This study aims to determine the implementation and constraints of murabahah contracts on gold installment financing products at BSI KCP Selong. The method used in this research is qualitative research with a descriptive approach. The primary research data comes from the BSI bank and customers of gold installment financing products. Data collection techniques were carried out using observation, interview, and documentation techniques. Data analysis was carried out using the inductive method by developing facts or facts that were obtained and could be developed from the results of the research conducted. The results of the study show that (1) The implementation of a murabaha contract occurs when the customer wants to buy gold from the bank in installments for a period agreed upon by the customer and the bank. BSI KCP Selong, in implementing this murabaha contract, uses a rahn system, or pawning system. Where in this product the customer guarantees in this installment, namely gold. So that the goods that the customer repays will be given after the customer has paid off the financing. (2) Obstacles in implementing gold installment financing occur during promotions and when gold prices rise. Therefore, BSI KCP Selong needs to do more promotion to market this gold installment product. In practice, this research is expected to help develop gold installment financing at Bank Syariah Indonesia KCP Selong by knowing what obstacles occur so that it is easier to find solutions to these obstacles.
Co-Authors A. Mulia Saleh Ade Fadillah FW Pospos Ade Nisya Nasution Ahmad Nizam Ahmad Zuwandana Aisyah Alhuda Alia Wartiningsih Anisa Pujawati Annisa Keumala Dewi Apriola Dwi Indra Swary Ardila, Arista Asriyani Aulia Fuadah Awal, Muhammad Ayu Astari, Ayu Azisah Bahmid Barda Mulyandi Dea Resti Piranda Dedy Ahmady Dessy Zulfianti Sinaga Dewi Suryani Sentosa Din Hary Fitriadi Durahim, Darwis Dzacky Muharram Rani Eddy Gunawan Eka Lestari Eka Nurlina Erga Eka Putri Ersah Atthbarry Rahmadinata Fadila Putri Fani Khairawati Ferica Christinawati Putri Fitrah Afandi ZT Halim, Hendra Hamdayani Hardiyanto Hendrik Hidayaturrahmaniah, Nadiya Ibrahim Patunrengi, Iswadi Islam, Fahrul Jahuddin, Rahmat Jihan Salsabila KARTINI Kesuma, T. Meldi Khairil Umuri Lasmina Lumban Gaol Liza Phonna Lukman, Sri Hardiyanti luqman M. Ridha Siregar M. Shabri Abdul Majid Mahardika, Siti Suci Maulida, Husna Muh Arif, Muh Muhammad Haris Riyaldi Muhammad Muaz Ihsan Muna, Sirajul Musdalifa Nadya Desi Saputri Naila Saifana Nana Rizkiana Nasution, Annio Indah Lestari Nela Dwi Iriani Nova Fitriana Nur Islamiyah, Pramitasari Nurma Sari Nurmalasari, Yusriah Nurtang Marlianti Panda Alfira, Yuni Phonna, Liza Rahmad Al-Hidayat Rahmaniar Rahmawati, Meylin Rayyan Firdaus Risa Rukmana Ristiani Rizky Agusriyanti Irna Rosdiana Roslaini Roslaini Rosyidah Rudi Tarenre Sainah Salsabila Santi Widiawati Saputra, Fauzan Sartiyah Saumy Rizma Sitepu, Novi Indriyani sri maryuni St. Ramlah Stephanus TW Sukarti Sulistya Rini Pratiwi Sumarni, Mutia Suriadi Suryaningsih, Wiwiek Susanna Sutrisna, Eka Syahriyal Takdirmin Teuku Muhammad Syahrizal Teungku Muhammad Sabil Utomo, Mohamad Nur Yohanna Thresia Nainggolan Yulis Sayang Yunitasari