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All Journal Jurnal Educhild : Pendidikan dan Sosial Jurnal Pendidikan Fisika Indonesia Jurnal Ilmiah Mahasiswa Pendidikan Seni, Drama, Tari & Musik Jurnal Pilar Nusa Mandiri Journal of Educational Research and Evaluation JOURNAL OF SCIENCE AND SOCIAL RESEARCH JISICOM (Journal of Information System, Infomatics and Computing) Jurnal Infortech Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Empathy Pengabdian Kepada Masyarakat Jurnal Sistem Informasi Jurnal FASILKOM (teknologi inFormASi dan ILmu KOMputer) TSARWATICA (Islamic Economic, Accounting, and Management Journal) Jurnal Ilmiah Wahana Pendidikan Al-Isyrof: Jurnal Bimbingan Konseling Islam Jurnal Widya JIMEBIS GALENICAL : Jurnal Kedokteran dan Kesehatan Mahasiswa Malikussaleh Mudabbir: Journal Research and Education Studies Jurnal Riset Rumpun Ilmu Kedokteran (JURRIKE) Publicness: Journal of Public Administration Studies Jurnal Abdimas Maduma Khidmat : Jurnal Pendidikan dan Ilmu Sosial ARembeN International Journal of Community Service Implementation Jurnal Intelek Insan Cendikia Riau Jurnal Teknik Informatika Jurnal Gotong Royong Jurnal Kesehatan Mitra Sekawan Integrasi: Jurnal Studi Islam dan Humaniora JIM Sendratasik
Nurul Afni
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Analysis Of Customer Understanding Of The Murabahah Contract Concept In Mitraguna Financing At Bank Syariah Indonesia, Langsa Branch: A Review Of Practice And Sharia Principles Dayyan, Muhammad; Afni, Nurul; Yahya, Muhammad
Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam JIMEBIS : Volume 6 Issue 2 (July-December 2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/8jge4750

Abstract

The development of Islamic banking in Aceh Province, particularly in Langsa City, is becoming increasingly competitive, highlighting the importance of public understanding as part of Islamic financial literacy. The purpose of this study is to analyze the understanding of the people of Langsa City regarding Mitraguna Bank Syariah Indonesia (BSI) financing products and their implications. The research used a descriptive qualitative method with data collection techniques through observation, structured interviews with 10 Mitraguna BSI customers in Langsa City who are payroll employees, and documentation studies. The results of the study reveal that the majority of informants interviewed were in the “Less Understanding” category regarding the sharia principles of BSI Mitraguna products. The factors causing this low level of understanding include a lack of in-depth socialization from the bank and a lack of background knowledge of sharia finance among customers. As a result, customers tend to focus on the ease of access and financial benefits of the product without paying attention to their understanding of the sharia contract and obligations attached to it. The research conclusion shows that there is a gap between product utilization and understanding of the accompanying sharia principles. Therefore, this study recommends the need for more effective education and communication strategies from BSI to improve customers' sharia financial literacy, thereby mitigating risks and ensuring the sustainability of healthy products. Keywords: Customers understanding, murabahah contract, mitraguna financing
Co-Authors A Halim Agus Kartini, Siti Agustin, Rika Nurmida Ainur Ramadhani, Muhammad Angga Hernawan Aprianti, Delta Aprilia, Eka Astrilyana Astrilyana, Astrilyana Azissah, Danur Baginda Harahap Bayu Pradana Bunda, Yola Permata Chairu Sabila, Puji Cindy Pratiwi, Cindy Cut Zuriana Cut Zuriana Daffa, M. Faiz Destiana, Yeyen Dismawati, Yenni El Salsabila, Alya Zalfa Emiel Salim Siregar evendi, evendi Farida, Pusfa Fauzia Fauzia Firdaus Firdaus Halim, Ismail Haryadi, Octadino Hendri Hendri Heny Sumarno, Heny Herliana, Fitria Imelda Halawa Irmawati Irmawati Jannah, Khurfatul Jumiati Jumiati Jumita, Jumita Kartini, Siti Agus Khairun Nisa Kurniana Bektiningsih Legito Legito Legito legito, Legito Lilia Halim, Lilia Lubis, Mhd. Dicky Syahputra Lubis, Ramadan M. Ihsan Maryani, Tini Melan Susanti, Melan Muhammad Dicky Syahputra Lubis Muhammad Ridho Muhammad Yahya MUHAMMAD YUSUF Mutiara Intan Arini Noviana Zara Nur Ali Farabi Nutrisia Aquariushinta Sayuti, Nutrisia Aquariushinta Panjaitan, Herlina Puji Chairu Sabila Putri, Rizky Amaliyah Rachman Komarudin Rachman Komarudin Resti Lia Andharsaputri Rika, Rika Rizqiana Ayu Safitri Sabila, Puji Chairu Safitri, Rizky Ade Samsuri Samsuri Samsuri Samsuri Saputri Fatahna Nurjanah Sayuti, Muhammad Siahaan, Siti Khodijah Simanjuntak, Richard Parlindungan Sitio, Arjon Samuel Supriadi Supriadi SUSANTI, MERI EPRIANA Syafitri, Nanda Tasya Zanuarista Tuti Rohani, Tuti Virgo, Virgo Wahyuni, Devi Sri Winda Sari Yana Iqbal Maulana Zulfajri, Zulfajri