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Nur Jannah
Fakultas Sains dan Teknologi Universitas Islam Negeri (UIN) Sultan Syarif Kasim Riau
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Journal : Majapahit Journal of Islamic Finance and Management

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Analysis of Murabahah Financing for Customers Who Die Before the Maturity: Study of KBSU Tikung Lamongan Buana, Miftahal Anjarsabda Wira; ZA, Moh. Ah. Subhan; Jannah, Nur
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 2 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

Financing customers who die before maturity but still have financing is one of the situations that occur in KBSU Lamongan, savings from depositors used for financing are naturally the responsibility of the bank in running its business. Based on the background above, the researcher is interested in raising the title "Analysis of Murabah Financing for Customers Who Die Before Maturity". This study uses a qualitative research method with a descriptive analysis approach. Qualitative is used because the main objective of this study is to reveal, explain and interpret the KBSU Strategy in handling murabahah financing for customers who die before maturity. Handling financing for customers who die is by taking an emotional approach to the heirs where the bank will convey that the parents concerned have made a loan. or in this regard, the heirs who inform the bank verbally that the customer who has financing has died, then the family is responsible for the financing by attaching a statement of no insurance signed by the family to prevent losses and minimize the risk if the financing customer dies. The obstacles that banks usually face in handling deceased customers are the circumstance factor, where the customer has not been able to report because the heirs are still grieving, the negligence factor, namely the slow confirmation from the family, this is negligence on the part of the family itself, namely delaying reporting and the slow document fulfillment factor.
Co-Authors A, Ansori Aatul Hasanah, Imro Afkarina, Faizah Nur Afriani, Dwi Tika Afriansyah, Wahyu Agung Prabowo Ahadiah Agustina Aini, Wasilatul Akmal Sutja Al-Muklis Alamsyar, Al Alhamuddin Amitarwati , Diah Paramita Amrulloh, Abdul Karim Anggraini Sukmawati Ardyanto, Ahmad Mirza Aswad, Abdul Asy’Ari, Qaiyim Ayu Safitri Azhar Alam Baskoro Wicaksono, Baskoro Bintang, Tri Kumala Buana, Miftahal Anjarsabda Wira Chastanti, Ika Dance Tangkesalu Devina Rahmadiani Kamaruddin Nur, Devina Rahmadiani Dewi Handayani Dewi, Anita Kusma diana, Mar Dina, Risma Dwi Lesno Panglipusari Endah Muliatie, Yurilla Endang Pudjiastuti Sartinah Ernawati Ernawati Ernawati, E. Fadliyah, Rofiqoh Farisatma Farit Mochamad Afendi Fathoni, Wildan Fatun, Fatun Finnah Fourqoniah Firdaus, Afdal Fuspita Ganda, Haswita Gani, Mustafa Halim Soebahar Hamimah, Hamimah Handoko Santoso Harahap, Wahit Gunadi HASANAH, IMROATUL HELWANI, AHMAD Hera Wahyuni HRA Mulyani, HRA Husnul Khatimah Ifa Afida, Ifa Ihwan Ihwan Intan Safiah Irfani, Amalia Isman Ismaniya, Fais Zhatul Jibran, Sri Martianingsih Kadir, Fitriana Abdul Kasful Anwar Krisnadhi Hariyanto, Krisnadhi Krisnawati Kurniawati, Rahmaditta Kusuma, Nur Syafik Sofyan Hadi Kusumawati, Jevie Lia Kurniasari Ludfi, Muhammad Kholid Ni'amul M. Irfan Magfirman, Magfirman Mahfud Mahfud Maidah, Anik Nur Maimunah, Maimunah Malindo, Amiruddin Ahmad Mardiah, Aida Mardiani Mardiani Meristika Rachman, Sylvia Mhd.Ilham Hidayat Rastami Mislinawati, Mislinawati Moch. Chotib Moibat, Yuwalfiz Muhammad Alifuddin Muhammad Erwan Syah Muhammad Noor Harisudin Muharram Muharram Muhsin Muhsin Mulia, Mahdi Muliatik, Sri Munawaroh munaw et al, Siti Mutmainnah Mutmainnah Nasution, Alfina Nisa', Eka Lutfia Khoirun Nisa’, Fikri Khoirun Nisa’, Khairun Nur Isnaini, Nur Nur wahidah Nurdiyah Lestari Nurfadlillah, Rizka Nurleila Jum'ati Nursoleha, Wiwin Nurul Mahmudah, Luthfiah Oktavia, Istiqomah Nur Pamuji Pamuji, Pamuji Pello, Hellen Aditia Pohan, Ali Jusri Prafitralia, Anisah Pulungan, Alfiani Puspita W., Dhevin MQ Agus Rachmawati, Laily Rahmah, Atika Rahmani, Dwi Irang Putri Rahmat Pratama, Rahmat raudatul jannah Renti Yasmar, Renti Resi, Gabriel Romanus Riski, Nanda Mulia Ritonga, Riski Yusuf Rizkilah, Hilda Romadlona, Nur Alfa Laila Rosdiana S, Sakdiani Saputra, Adrian Sarie, Rena Febrita Setiawa, Hannifatun Fauziyah Sholihah, Mar'atus Siti Muthmainnah Yusuf Solihah, Imroatus Sri Hadiningrum Sri Hadiningrum Sri Suprapti Stephen Amukune Sunarti, Eni Suryadi Suryadi Syarifa Aini Syarifah, Nailatus Tony Yulianto Widianti , Eni Widianti, Eni Wina Wulandari Winata, Praja Yanuar Yoga Prasetyawan Yuliarti Yuliarti Yurilla Endah Muliatie, Yurilla Endah Yusnan, Muhammad Yusuf, Siti Muthmainnah ZA, Moh. Ah. Subhan Zidni Ilman, Siti Zuhri, Syaifuddin