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Journal : ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING

Analisis Perbandingan Risiko Pembiayaan Murabahah dan Mudharabah Baitul Maal Nur Rochmah, Eva; Fitriyani, Yeny; Purwanto
ARBITRASE: Journal of Economics and Accounting Vol. 4 No. 3 (2024): March 2024
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/arbitrase.v4i3.1666

Abstract

This research compares murabahah and mudharabah financing risks at the Baitul Maal wat Tamwil (BMT) Tumang Tegalrejo Branch. This research aims to understand the risks associated with both financing models in microfinance institutions. Qualitative methods are used to answer research objectives. Research data was collected through direct interviews with BMT Tumang Tegalrejo Branch managers so that researchers could get a direct view of the risks faced in murabahah and mudharabah financing. Data analysis uses descriptive analysis techniques. The results of the analysis provide evidence of differences in risk between the murabahah and mudharabah financing models. Understanding the risks of Sharia financing can provide a strong basis for developing risk management strategies that are more effective in providing such an important contribution. This research enriches the literature on risks in Sharia microfinance financing institutions.
Penentuan Margin Pembiayaan Murabahah Pada Pembiayaan Murabahah di Baitul Maal Wa Tamwil Khasanah, Uswatun; Pudail, M; Fitriyani, Yeny
ARBITRASE: Journal of Economics and Accounting Vol. 4 No. 3 (2024): March 2024
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/arbitrase.v4i3.1680

Abstract

This research is motivated by the condition that sharia cooperatives promise a fairer operational system in determining margins. New products such as murabahah contracts are increasingly appearing, including at BMT Nusa Umat Sejahtera, although there are still concerns in the community regarding their optimal implementation. Research problems include the process of determining the murabahah financing margin, the method for calculating the murabahah financing margin, and the main factors that influence the determination of the murabahah financing margin. This research aims to understand the process of determining margin, the method for calculating murabahah margin, and the factors considered in determining margin. The method used was qualitative, the resource persons in this research were 3 manager informants and also admin from BMT Nusa Umat Sejahtera. Research findings show that the murabahah financing margin calculation method uses a flat method, where the margin is fixed throughout the financing period. Factors that influence the determination of murabahah financing margins include the financing process, margin percentage based on collateral, risk and negotiation, while the financing term does not have a significant effect on determining margins at BMT Nusa Umat Sejahtera.
Co-Authors Abdul Rosyid Achmad Labib Achmad Nur Alfianto AFIFAH, UMI Afriadi, Fiqih Afridatul Fikriyah Ahmad Bayu Ahmad Efendi Efendi Ahmad Fauzan Al Ayubi, Muhammad Haris Alfianto, Achmad Nur Alfiyanto, Achmad Nur Ali Rochmat Alif sofian Ambarwati Anam, Rizqy Khairul Anisatul Azizah, Anisatul Ansori, Miswan Ash Shidiqie, Jannahar Saddam Assodiqoh, Nur Ma'rifah Ayyusuf, Imanul Achmad Al Amir Damar Irsyad Ustadz Datu Mussolini Sinsuat Lidasan Dewi, Tri Rachma Fadilla, Nurlita Dewi Fadli, M. Robit Nailal Febriyanti, Aprillyana Fikriyah, Afridatul Fitriani, Wulan Halipah Halipah Heri Sudarsono Herliana Rizki Yati Hidayat, Trian Hidayat, Yahya Nur Ihsan Rafifalah Ikawati, Retty Indahsari, Sutriyana Istikharoh, Maya Jannah, Vina Roudhotul Jinggo Aldino Labib, Achmad Lia Nur Cahyani Lidasan, Datu Mussolini Sinsuat Lidasan, Mussolini Sinsuat Lidasan, Mussollini Sinsuat M Haris Al Ayubi M Pudail M Pudail Maemunah Maemunah Mariana Ratih Ratnani Maryono . Maufur, Miqdam Milna Wafirah Muhammad Alif Muzakki Muhammad Rifki Mustika Noor Mifrahi, Mustika Noor Muzakki, Muhammad Alif Mu’awanah, Annisa Siti Nasiroh, Fandilatun Natiq Al Aksar Nugrohowati, Rindang Nuri Isnaini Nur Alfianto, Achmad Nur Rochmah, Eva Pambudi, Fajar Priyonggo Suseno Pudail, M. Pudail, M. Pudail, Muhammad Purwanto Purwanto Purwanto Purwanto, Purwanto Qurotul Aini Qurotul Aini Qurrata A’yun, Azkiya Qurrotul Aini Rafifalah, Ihsan Rahmaan, Dimas Anjanii Rahmawati Lewo Ramadani, M. Kevin Rifa'i, Fuad Yanuar Akhmad Rifai, Fuad Yanuar Akhmad Risydiyani, Wilda Rizqi Istiqomah Rizqi Istiqomah Rochison, Muhammad Rohmat, Ali Satrio Arif Wicaksono Shofa Robbi, Imam arsya Siti Nur Aini, Siti Nur Siti Nur Azizah sofian, Alif Sofyana, Sonia Tajun Yuhsinun Tri Mulyani Tri Nur Fadilah Tumewang, Yunice Karina Tutik Rofiqoh Ula, Himmatul Wahyu Achmad Pamuji Widiyawati, Ema Nurkholisa