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All Journal Jurnal Mirai Management Jurnal Ilmiah Ekonomi Islam Wahana Islamika: Jurnal Studi Keislaman Logista: Jurnal Ilmiah Pengabdian Kepada Masyarakat ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING Khidmatan As-Sidanah : Jurnal Pengabdian Masyarakat Cakrawala: Jurnal Studi Islam CONSEN: Indonesian Journal of Community Services and Engagement Eduvest - Journal of Universal Studies Wahana Islamika: Jurnal Studi Keislaman Khidmatan
Pudail, M.
STAI Syubbanul Wathon Magelang
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Neuroscience Physics Public Health Social Sciences Other

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Journal : ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING

 1 
Penentuan Margin Pembiayaan Murabahah Pada Pembiayaan Murabahah di Baitul Maal Wa Tamwil Khasanah, Uswatun; Pudail, M; Fitriyani, Yeny
ARBITRASE: Journal of Economics and Accounting Vol. 4 No. 3 (2024): March 2024
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/arbitrase.v4i3.1680

Abstract

This research is motivated by the condition that sharia cooperatives promise a fairer operational system in determining margins. New products such as murabahah contracts are increasingly appearing, including at BMT Nusa Umat Sejahtera, although there are still concerns in the community regarding their optimal implementation. Research problems include the process of determining the murabahah financing margin, the method for calculating the murabahah financing margin, and the main factors that influence the determination of the murabahah financing margin. This research aims to understand the process of determining margin, the method for calculating murabahah margin, and the factors considered in determining margin. The method used was qualitative, the resource persons in this research were 3 manager informants and also admin from BMT Nusa Umat Sejahtera. Research findings show that the murabahah financing margin calculation method uses a flat method, where the margin is fixed throughout the financing period. Factors that influence the determination of murabahah financing margins include the financing process, margin percentage based on collateral, risk and negotiation, while the financing term does not have a significant effect on determining margins at BMT Nusa Umat Sejahtera.
Co-Authors Achmad Labib Achmad Labib Ahmad Efendi Efendi Ahmad Mustofa Ahmad Soleh Alif sofian Damar Irsyad Ustadz Dhea Yustiana Safitri Dhiaurahman, Hernanda Fitriyani, Yeny Fuad Yanuar Ahmad Rifa'i Maemunah Maemunah Makrifatul Ulum Maryono . Muhibin, Ahmad Purwanto Purwanto Purwanto, Purwanto Rifai, Fuad Yanuar Akhmad Sa’adah, Ngiyanatus Siti Khaizul Mustaqimah Siti Khaizul Mustaqimah sofian, Alif Tajun Yuhsinun Tolkhah Alwi Tri Nur Fadilah Ulin Ni’matul Mustaniroh Wisnu Azhari Yeni Fitriyani Yeny Fitriyani Yeny Fitriyani