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All Journal Al Tijarah Justisia Ekonomika
Endro Wibowo
Sekolah Tinggi Agama Islam Ali bin Ali Thalib, Surabaya
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Manajemen Risiko Pembiayaan Murabahah di BMT Amanah Ummah Endro Wibowo
Al Tijarah Vol 1, No 2 (2015): December 2015
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v1i2.951

Abstract

This study aims to determine and analyze the process of murabahah financing risk management. Murabahah financing still dominates financing composition in sharia financial institutions, including BMT. BMT considers that murabahah financing process has a small risk so BMT expend more financing to this type. The composition of murabahah financing that is still very large in BMT and the existence of muamalah rules which states that "profit is in return from the readiness to bear losses" causing murabahah financing risk management process since prospective members or members of BMT proposed financing until the repayment of financing installments interesting to investigate. This research uses qualitative approach. Primary data comes from interviews with administrators and managers of BMT, participatory observation, and focus group discussions (FGD) as well as documents related to murabahah financing. Secondary data comes from books, journals, magazines, newspapers, and documents or reports of research activities ever undertaken related to financing in BMT Amanah Ummah. This study concludes that: (1) BMT Amanah Ummah has not conducted risk management process properly because it has not documented risk management process. (2) Risks that are the main focus in murabahah financing in BMT Amanah Ummah are financing risks, namely the risk of failure of prospective members or members of financing in fulfilling the obligation to pay the installment of financing. (3) BMT Amanah Ummah has not applied sharia principles because the transaction contains riba jahiliyyah.
Manajemen Risiko Pembiayaan Murabahah di BMT Amanah Ummah Endro Wibowo
Al Tijarah Vol. 1 No. 2 (2015): Al Tijarah | December
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v1i2.951

Abstract

This study aims to determine and analyze the process of murabahah financing risk management. Murabahah financing still dominates financing composition in sharia financial institutions, including BMT. BMT considers that murabahah financing process has a small risk so BMT expend more financing to this type. The composition of murabahah financing that is still very large in BMT and the existence of muamalah rules which states that "profit is in return from the readiness to bear losses" causing murabahah financing risk management process since prospective members or members of BMT proposed financing until the repayment of financing installments interesting to investigate. This research uses qualitative approach. Primary data comes from interviews with administrators and managers of BMT, participatory observation, and focus group discussions (FGD) as well as documents related to murabahah financing. Secondary data comes from books, journals, magazines, newspapers, and documents or reports of research activities ever undertaken related to financing in BMT Amanah Ummah. This study concludes that: (1) BMT Amanah Ummah has not conducted risk management process properly because it has not documented risk management process. (2) Risks that are the main focus in murabahah financing in BMT Amanah Ummah are financing risks, namely the risk of failure of prospective members or members of financing in fulfilling the obligation to pay the installment of financing. (3) BMT Amanah Ummah has not applied sharia principles because the transaction contains riba jahiliyyah.
IMPLEMENTATION OF QABDH REQUIREMENTS IN MURABAHA FINANCING AT KOPERASI SYIRKAH BERKAH BERSAMA (KSBB) SIDOARJO Endro Wibowo
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 8 No 1 (2024): Juni
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v8i1.20065

Abstract

One of the financing procedures that are not by Sharia principles in Murabaha financing is the practice of selling goods by an Islamic Financing Institution before they are owned to financing customers. Seeing this phenomenon, Koperasi Syirkah Berkah Bersama (KSBB) took the initiative to become a Sharia financial institution capable of serving its members through Murabaha financing by really paying attention to Sharia compliance, especially from the aspect of implementing handover or qabdh in Murabaha financing. The purpose of this study is to find out how the implementation of handover or qabdh in Murabaha financing and the analysis of sharia compliance with this implementation at KSBB Sidoarjo. The research method used in this study is qualitative research with a case study approach. The data analysis technique used is descriptive-qualitative analysis. The research data comes from interviews with several informants and documents related to Murabaha financing at KSBB. The data that has been obtained is analyzed and compared with related theories. The results of this research indicate that in the process of Murabaha financing at KSBB, the management of KSBB does not represent members in purchasing the goods submitted to suppliers. KSBB also ensures that the goods are fully controlled before being sold to members who apply for financing. The entire Murabaha financing process at KSBB, especially from the qabdh aspect, does not violate sharia compliance set by the DSN MUI.
SHARIA COMPLIANCE IN THE USE OF COLLATERAL FOR RISK MITIGATION IN MURABAHAH FINANCING: A CASE STUDY OF COOPERATIVE SYIRKAH BERKAH BERSAMA SIDOARJO Wibowo, Endro
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 9 No 2 (2025): Desember 2025
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v9i2.26315

Abstract

One of the biggest and most feared risks in murabahah financing is default risk. To mitigate the default risk, Islamic Financial Institutions usually require collateral as a condition for financing approval. Koperasi Syirkah Berkah Bersama (KSBB) Sidoarjo started the process of becoming an Islamic financial institution that can provide murabahah financing to its members while maintaining sharia compliance. One of KSBB's efforts to mitigate the risk of default and ensure sharia compliance in murabahah financing is through the use of collateral in murabahah financing. The purpose of this research is to understand the implementation of collateral in murabahah financing and the analysis of sharia compliance in that implementation as a form of mitigating the risk of default. This research method is a qualitative research methodology with a case study approach with descriptive qualitative data analysis. The research data processed in this research comes from informant interviews and various relevant documents related to guarantees in murabahah financing and then analyzed and compared with existing theories or fatwas. The results of this research show that the implementation of guarantees in murabahah financing has met sharia compliance, in accordance with the fatwa decrees of DSN MUI and AAOIFI.
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