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Journal : Al-Muzara'ah

Efektivitas Penerapan Bayar Pascapanen pada Pengembalian Pembiayaan Akad Murabahah Pertanian Padi di Baitul Maal wa Tamwil As Salam, Kramat, Demak Nana Rodiana; Nunung Nuryartono; Salahuddin El Ayyubi
AL-MUZARA'AH Vol. 2 No. 1 (2014): AL-MUZARA'AH (June 2014)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (379.773 KB) | DOI: 10.29244/jam.2.1.17-38

Abstract

Agricultural crops greatly depends on the season, since the time of land preparation to harvest. Planting delays due to lack of capital, will result in crop failure or low crop productivity. Islamic microfinance institutions, such as BMT, offersmurabaha financing as one of financing options. Application of murabahais generally followed by monthly installment payments. The condition of most farmers doesn’t enable them to have enough income due to pay the main installments with a monthly period. Postharvest payment return system is an alternativemain return of financing. The research result showed the factors that influence farmers in choosing the monthly payment system and postharvest margins on murabaharice farming financing in BMT As Salam, Kramat, Demak using binary logistic regression. The analysis result showed the reason for choosing the payment system significantly influenced rice farmers choice. The chance of postharvest payment is acceptableaccording to the ability of most farmers. The effectiveness of postharvest payment return implementationonmurabaha rice farming financing was measured using a Likert scale. The results showed that postharvest paymentimplementation has been effective in all stages of financing and made a positive impact on farm members.
Co-Authors ., Harianto Achsani, Noer Azham Adila, Dara Adler H. Manurung Aji Hamim Wigena Akhmad Fauzi Alfian Helmi Alfiana Ainurrahma Amzul Rifin Aprilia Sukmawati Arief Daryanto Arif Satria ASEP SAEFUDDIN Bambang Juanda Bambang Siswaji Bang Bangsawan Bintan Badriatul Ummah Bonar M. Sinaga Budi Purwanto Bunasor Sanim Bustanul Arifin Bustanul Arifin Carunia Mulya Firdausy Dara Adila Desak Putu Ristami Paramita Dewi Rohma Wati Dian Verawati Panjaitan Didin Hafidhuddin MS Dudung Darusman Duhita Herlyn Lusiya Dwi Rachmina Dwirayani, Dina E. Gumbira-Said Eddi Wahyudi Eddi Wahyudi, Eddi Eka Intan KP Eka Intan Kumala Putri Erliza Noor Eva Anggraini Faizul Mubarok Farida Farida Fikrotus Salma, Dzikrina Gumbira Sa'id Guruh Herman Harianto . Harianto Harianto Harianto Harianto Hartoyo Hartoyo Helentina Situmorang Heriyanto S Soba Herlambang, Resandy Hermanto Siregar Hermanto Siregar Hoeriyah, Lilis Hutagaol, Manuntun Paruliah Imam Teguh Saptono Imam Wahyudi Iman Widhiyanto Iman Widhiyanto Ingratubun, Muhammad A Irfan Syauqi Beik Isventina Isventina JAENAL EFFENDI Koes Pranowo Lay, Jann Lilis Hoeriyah Luh Putu Ratna Sundari Lukytawati Anggraeni M. Efendi Arianto Mandar Oak Masbantar Sangadji Muhammad Fazri Muhammad Gunawan Sani Saputro Muhammad Said Didu Nana Rodiana Nidaa Nazaahah Kusumawati Nimmi Zulbainarni Nunung Kusnadi Nurul Taufiqu Rochman Nurwati, Etty Oak, Mandar Ono Juarno Rachman, Muhammad Ibrahim Ratna Winandi Rina Oktaviani Rina Oktaviani Rochman, E, Nurul Taufiqu Rokhani Hasbullah Sa’id, Gumbira Salahuddin El Ayyubi Silaban, Maman Kurniawan Syahputra Sinaga, Bonar M. Sinaga, Roeskani Siska Fibriliani Sahat Sri Hartoyo Suarsih, Siti Syamsul Hidayat Pasaribu Syarifah Amaliah Tauhid Ahmad Tobing, Adil Toni Bakhtiar Tony Liwang Triane Widya Anggriani Trias Andati Ungkap Pasaribu Vionencia P.S. Faria Freitas Wibisono Chandra Widhiyanto, Iman Widyastutik Yandra Arkeman Yani Mulyaningsih Zednita Azriani Zednita Azriani Zednita Azriani Zenal Asikin