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Emilia Susanti
Universitas Lampung
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Journal : iijse

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Analisis Penerapan Pembiayaan Akad Murabahah Bank Rakyat Indonesia Syariah (BRI Syariah) Pekanbaru Winario, Mohd; Irawati, Irawati; Hasgimianti, Hasgimianti; Susanti, Emilia
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 3 No 1 (2020): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v3i1.723

Abstract

This research was conducted at BRI Syariah Pekanbaru, with the aim of knowing the application of murabahah financing, is it in accordance with Islamic principles or is it in accordance with the fatwa set by DSN-MUI. The sampling method of this research using snowball sampling, by interview, observation and documentation. This research uses descriptive qualitative analysis. The results can be concluded that the application of BRI Syariah Pekanbaru murabaha financing uses a tiered percentage system from each year on the principal of murabahah financing. Determination of margins is still calculated based on the BI Rate and looking at the applicable margins in other banks. The murabahah financing system at the bank can start from administrative requirements, collateral requirements, financing conditions, financing ceiling, financing period, and fees charged to customers. In determining murabahah financing margins, the rate of inflation is still used annually. If the BI rate is higher, then the margin taken by the bank of the customers will be higher also.
Co-Authors A. Irzal Fardiansyah AA Sudharmawan, AA Adila Aisyah Muda Cemerlang Aisyah Muda Cemerlang Aisyah Muda Cemerlang Aldino, Masagus Rizki Alinar Ristika Gamis Alsi Ratu Balqis Amabel, Xenia Riama Amelia Rahmawati Ami Nur Dinnia Ananda Nike Syadila Ananda Tazkia Angela, Inriana Anrikhotama, Raditya Vito Anwar, Mashuril Artha Kariasmarico Aulia Arnelita Aura Nurdeyani Putri Bahria Bahria Budi Rizki Husin Budi Rizky Husin Cahyani, Nunas Ambar Cindy Pasela Damanhuri Warganegara Darell Syalom Timothy Ati Dean Anugra, Muhammad Deanita Anindria Deni Achmad Deni Achmad Dewi, Erna Diah G Maulani Diah Gustiniati Diah Gustiniati Diah Gustiniati Maulani Diah Gustiniati Maulani Dina Haryati Dina Haryati Dita Trijayanti Dona Raisa Monica Dona Raisa Monica Dona Raisa Monica Dona Raisa Monica Dwi Nazwa Adisti Eko Raharjo Eko Raharjo Elsa Ramayeni Erna Dewi Erna Dewi Erna Dewi Erna Dewi . Esteben Doloksaribu Fabiola Rezulina Fabiani Putri Faisyal Akbar Falielian, Fransiska Fitry Fardiansyah, Ahmad Irzal Fernando Setiyanto Saragih Firganefi Firganefi Firganefi Fristia Berdian Tamza Fristia Berdian Tamza Gilang Gilang Gunawan Jadmiko Gunawan Jatmiko Gunawan Jatmiko Gustiara, Nisa Gustiniati, Diah Hasgimianti, Hasgimianti Hasiholan Tua Hasnaa Niditya Rosyaadah Heni Siswanto Heni Siswanto Hidayat, Putra Husin, Sanusi Ima Mabruroh Indawan, Ana Aqila Haya Syaharani Intan Retno Ulandari Irawati Irawati Juniawan, Arbi Khairani Aisya Amira Siregar Lola Regina Gantasa Lovely Ardhanes Wira M. Alfin Ibnu Raihan Maisya Putri Mamanda S Ginting Mamanda Syahputra Ginting Mamanda Syahputra Ginting Marina Maroni Maroni Maroni Martha Yulisa Maya Shafira Maya Shafira Maya Shafira Mohd. Winario Muhammad Edo Fadely Andaly Muhammad Farid Muhammad Farid Muhammad Fhariedz Alfarizi Piin Nabila Asa Nevy Nashya Berintan Nikmah Rosidah Nur Jihaan Fauziyyah Nurcholissa, Ayyusita Nurhikma Ganti Paisal Sari Pasela, Cindy Patilla, Nur Pradini, Auly Pratama, Wahyudha Putri, Yunita Maya Raju Pratama Sibuea Rasika Alivia Refi Meidiantama Refi Meidiantama Revaldo Michebel Turnip Ria Wierma Putri, Ria Wierma Rinaldi Amrullah Rinaldy Amrullah Rinaldy Amrullah Rinaldy Amrullah Rindiyani, Riski Rini Fathonah Rini Fathonah Rini Fathonah, Rini Rini Fatonah Rizki Perdana Bakri Robzi, Selvi Andira Ronald Saputra Sormin Rosyaadah, Hasnaa Niditya RR. Ella Evrita Hestiandari Sakinah Kusuma Wati Saputra, Akmal Hakim Selvia Oktaviana, Selvia Septiana, Rima Marta Ajeng Shabina Al Fitri Siregar, Khairani Aisya Amira Sodry Sadewa HN Sri Riski Suhertina, Suhertina Sunarto Sunarto Syahnas Mauthia Setia Putri Tamza, Fristia Berdian Tri Andrisman Tri Andrisman Tri Andrisman Triana, Puput Tsaniyah Andini Tua, Hasiholan Wanda Monica Putri Salsabila Warganegara, Damanhuri Yasnel, Yasnel Zercy Nurjannah Zumri Syahferi Harahap