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All Journal Jurnal Mirai Management Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Wahana Islamika: Jurnal Studi Keislaman Jurnal Dinamika Ekonomi Syariah Warta Pengabdian Andalas: Jurnal Ilmiah Pengembangan Dan Penerapan Ipteks Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Khidmatan Mutanaqishah: Journal of Islamic Banking
Yeny Fitriyani
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Medicine & Pharmacology Social Sciences Other

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Sharia Compliance Study: Implementation of Ijarah and Murabahah Contracts Niswatun Hidayah; M. Pudail; Yeny Fitriyani
Mutanaqishah: Journal of Islamic Banking Vol. 5 No. 2 (2025): July - December
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v5i2.2940

Abstract

Purpose–The objectives of this study are to explain how BMT Atina implements ijarah and murabahah contracts, evaluate if these contracts correspond with the DSN-fatwa MUI, and investigate the difficulties and solutions BMT encounters when executing these contracts. Methodology–This study employs a descriptive qualitative approach to investigate the implementation of ijarah (lease) and murabahah (sale with a profit margin) agreements, and to evaluate whether their execution complies with Sharia principles, as per the fatwa published by the DSN-MUI. Findings–Fatwa DSN-MUI No. 112/2017 implemented the ijarah and murabahah contracts at BMT Atina by clearly and honestly negotiating the rental object, term, and payment amount (ujrah). Buying the products initially and then selling them to consumers at an agreed price, including a profit margin, is clearly and openly permitted by Fatwa DSN-MUI Fatwa No. 04/2000. Implications – The findings may provide a model for other BMTs or Sharia-compliant financial companies seeking to enhance their funding options in line with Sharia principles while maintaining effectiveness. Originality – This study has original worth because it centres on a particular case study of one BMT in the Banyubiru area that has not been thoroughly explored. Simultaneously, it analyzes two important Sharia financing agreements: ijarah and murabahah. It entails interviews with several stakeholders (managers and consumers) for a more thorough viewpoint.
Penanganan Pembiayaan Murabahah Bermasalah BMT Barokah Salaman Aulya, Nur; Yeny Fitriyani; M. Pudail
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 11 No. 2 (2025): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v11i2.4023

Abstract

This study reviews the causes and handling of problematic murabahah financing at BMT Barokah Salaman, including terminating financing as a last resort. The research method used is qualitative, with case studies through in-depth interviews, observation, and documentation. The research findings indicate that external factors, such as a decline in business income, and internal factors, such as weak feasibility analysis and inadequate financial education, are the causes of problematic financing. In terminating murabahah financing, this strategy is the last resort when members consistently fail to meet their obligations and peaceful approaches are no longer effective. The termination process includes evaluation, sending warning letters, final settlement meetings with members and their families, enforcing collateral, terminating financing relationships, recording them in an internal blocklist, and transparent documentation and reporting. This strategy is implemented by upholding the principles of fairness, careful consideration, and protecting all parties without causing injustice. This study emphasizes the importance of strong and humane risk management in maintaining the sustainability of Sharia microfinance institutions.
AKAD IJARAH DAN MURABAHAH DI BMT ATINA BANYUBIRU: IMPLEMENTASI DAN KESESUAIAN TERHADAP FATWA DSN-MUI Niswatun Hidayah; Muhammad Pudail; Yeny Fitriyani
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1337

Abstract

Penelitian ini bertujuan untuk menganalisis implementasi akad ijarah dan murabahah pada produk pembiayaan di BMT Atina Banyubiru Semarang, dengan fokus pada kepatuhan terhadap prinsip syariah, efektivitas pelaksanaan serta kesesuainnya terhadap fatwa DSN-MUI. Penelitian menggunakan metode kualitatif deskriptif dengan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi. Wawancara dilakukan dengan manajer BMT Atina, staf marketing dan nasabah untuk mendapatkan informasi mendalam tentang pelaksanaan kedua akad tersebut. Hasil penelitian menunjukkan bahwa implementasi akad ijarah dan murabahah di BMT Atina Banyubiru telah sesuai dengan ketentuan Fatwa DSN-MUI, meskipun terdapat beberapa tantangan operasional seperti ketersediaan barang yang tidak selalu sesuai dengan permintaan nasabah. BMT Atina berhasil menerapkan prinsip transparansi dalam penetapan ujrah pada akad ijarah dan profit keuntungan pada akad murabahah. Kedua akad ini berkontribusi positif dalam memenuhi kebutuhan pembiayaan masyarakat, baik untuk keperluan konsumtif maupun produktif, dengan tetap menjaga kepatuhan terhadap prinsip-prinsip syariah.
Optimalisasi Pembiayaan Murabahah dalam Meningkatkan Pendapatan Pembiayaan Di KSPPS Al-Husna Secang Nuraini, Ana; Yeny Fitriyani; Qurotul Aini
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22159

Abstract

Penelitian ini menggambarkan peran pembiayaan murabahah dalam meningkatkan pendapatan di Koperasi Simpan Pinjam Syariah (KSPPS) Al-Husna. Pembiayaan murabahah di KSPPS Al-Husna dijelaskan sebagai salah satu instrumen pembiayaan yang efektif dan sesuai dengan prinsip syariah. Konsep dasar pembiayaan murabahah, syarat-syarat yang harus dipenuhi, dan dasar hukumnya yang meliputi fatwa DSN MUI No. 04/DSN-MUI/IV/2000 menjadi fokus dalam pembahasan. Selain itu, peran KSPPS sebagai lembaga keuangan syariah dalam mendukung pertumbuhan ekonomi mikro dan menengah juga dibahas dalam konteks pengelolaan keuangan yang efisien. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan lapangan. Data diperoleh melalui observasi, wawancara, dan analisis dokumen. Hasil penelitian menunjukkan bahwa pembiayaan murabahah memiliki dampak positif terhadap pendapatan KSPPS Al-Husna, namun juga menghadapi tantangan seperti pengelolaan risiko dan kepatuhan terhadap prinsip syariah. Oleh karena itu, strategi strategi untuk meningkatkan pendapatan pembiayaan, seperti diversifikasi produk, peningkatan layanan, promosi aktif, kemitraan kerjasama, dan edukasi keuangan menjadi penting dalam konteks ini. Penelitian ini memberikan wawasan mendalam tentang sistem pengelolaan keuangan dan langkah-langkah yang dapat diambil untuk meningkatkan pendapatan pembiayaan di KSPPS Al-Husna.
Product Development Strategy for Increasing Competitive Advantage at BMT Al-Huda Grabag Arum Maesaroh Putri; Yeny Fitriyani; Fuad Yanuar AR; Purwanto
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1555

Abstract

The research aims to determine BMT Al-Huda Grabag's product development strategy. This research focuses on identifying internal and external elements and creating the right business strategy. Product development strategies are crucial to improving BMT's position and competitiveness. Internal factor identification results indicate that companies today have strengths such as satisfactory and quality services, structured financial services, e-commerce platforms that support UMKM, and cooperation with various parties. Internal factors that need to be more robust are limited human resources and incomplete information on digital platforms. Identification of external factors such as public ignorance of religion, inaccurate customer financial reports, and competition with renters and online loans are threats. This research will enhance understanding of product development and targeted strategies for improving the competitiveness of BMT using qualitative approaches and SWOT analysis. Furthermore, the research results are expected to provide new knowledge for similar research.
Management of Murabahah and Musyarakah Financing Products at BMT Saudara Magelang as an Islamic Non-Bank Institutions Siti Masruroh; Fuad Yanuar Ahmad; Yeny Fitriyani
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1556

Abstract

This study focuses on the management of murabahah and musyarakah financing products at BMT Saudara, a non-bank Islamic financial institution. The objective is to understand and improve product management at BMT Saudara. The research methods include interviews, observations, and documentation. The findings show that BMT Saudara successfully implements murabahah and musyarakah financing schemes according to Sharia principles. These financing products reflect a deep understanding of Sharia principles. The study provides insights into best practices in managing Islamic financing products at non-bank financial institutions, particularly at BMT Saudara. These findings are expected to support further improvements and developments to enhance the effectiveness of murabahah and musyarakah financing product management in the Islamic finance environment. The implications of these findings include improved product management practices that can contribute to the growth and stability of non-bank Islamic financial institutions like BMT Saudara.
Application of Mudharabah Contract on Business Capital Financing Products at BMT ANFA' NU Umi Arifah; Achmad Nur Alfianto; Yeny Fitriyani
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1573

Abstract

This research explores the use of mudharabah contracts in capital financing products at BMT Anfa' NU, an Islamic microfinance institution. Using qualitative methods, especially grounded theory, this study reveals that BMT Anfa' NU complies with the profit sharing principle determined at the beginning of the contract and provides funding on a weekly or monthly basis. The business capital financing products offered are in accordance with Sharia guidelines, with procedures that include application submission, document collection and feasibility assessment. This research provides a comprehensive understanding of the implementation of mudharabah agreements in financing business capital at BMT Anfa' NU, as well as the steps needed to access business capital through this sharia financial institution. In addition, this research provides practical recommendations to BMT Anfa' NU to improve the quality of mudharabah contract implementation and can serve as a guide for other Islamic microfinance institutions.
Co-Authors Achmad Labib Achmad Labib Achmad Nur Alfianto Achmad Nur Alfiyanto Ahmad Akhsinil Umam Ahmad Bayu Ahmad Fauzan Arum Maesaroh Putri Aulya, Nur Fuad Yanuar Ahmad Fuad Yanuar AR M Pudail M. Pudail Mariana Ratih Ratnani Muhamad Safiqul Umam Muhammad Pudail Mukhamat Nasikin Natiq Al Aksar Niswatun Hidayah Nuraini, Ana Pudail, M. Purwanto Purwanto Purwanto, Purwanto Qurotul Aini Qurotul Aini Siti Maratus Sakdiyah Siti masruroh Tajun Yuhsinun umi arifah