<![CDATA[The only productive financing product developed by BMT Nurul Iman Bungi is financing for the procurement/sale of goods. This financing is intended for the community or customers in order to improve welfare, by helping to provide funds or lack of customer funds. Ba'i Bitsaman Ajil (BBA) financing transacts on the sale of goods by stating the cost and profit (margin) agreed upon by the seller (BMT) and the buyer (customer) whose payment can be made in installments or due. The purpose of the study is to find out how implementation and calculation mechanism for Bai' Bitsaman Ajil financing installments at BMT Nurul Iman Bungi. The type of research used in this thesis is descriptive qualitative method, the data in this study were obtained from primary and secondary data. The data collection techniques used were observation, interviews, and documentation, while the data analysis techniques used were data reduction, data presentation and verification. The results of this study indicate that: 1). In the implementation of Bai' Bitsaman Ajil financing, BMT is not a pure seller who provides goods for customers' needs, before making a Bai' Bitsaman Ajil contract to customers, BMT's position here is as a financing institution that provides funds. Bai' Bitsamanil Ajil (BBA) financing in practice adds a wakalah/representative contract in it to make it easier for both parties. 2). The mechanism for calculating the installments in Bai' Bitsaman Ajil financing is carried out in installments according to the agreement of both parties with the amount of installments adjusted to the ability of prospective customers to pay installments. The profit margin system used is a flat profit margin for monthly/weekly installments and an annuity profit margin for seasonal installments.]]>
