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All Journal AT-TIJARAH: Journal Islamic Banking and Finance Research Krigan: Journal of Management and Sharia Business
Neri Aslina
STAI Ibnu Sina Batam
Economics, Econometrics & Finance

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ANALYSIS OF THE FINANCIAL SYSTEM MANAGEMENT OF MURABAHAH FINANCING PRODUCTS IN SHARIA PEOPLE'S FINANCING BANK (BPRS) CIVIL SYARIKAT IN BATAM CITY Neri Aslina; Fithri Mehdini Addieningrum
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 5 No. 1 (2023): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v5i1.1639

Abstract

Murabaha financing is one of the financing programs for the community. The existence of murabaha financing provides financial support for people in need. The purpose of this research is to study the financial system related to the financial management of the Murabahah contract financing products offered by BPRS Syarikat Madani, Batam City. This research is a type of qualitative research or also known as case study research. Data collection tool is done through observation, interviews and documentation. The data analysis technique used is a qualitative data analysis technique. The results of the study show that the Syarikat Madani Islamic People's Financing Bank (BPRS) in Batam City uses a Murabahah contract as one of its main financing products. The management of Murabahah contract financing products is carried out in accordance with sharia principles. The Bank provides clear information to customers regarding the selling price, markup, tenor and terms of financing using the principles of transparency, fairness and sustainability.
Kontribusi BMT Al-Muhajirin dalam Pengembangan Usaha Mikro Kecil Menengah di Tiban Indah, Kota Batam Neri Aslina; Diana Eravia; Hasbullah Siregar
Krigan: Journal of Management and Sharia Business Vol 1, No 1 (2023): Juni 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v1i1.6484

Abstract

Penelitian ini bertujuan untuk mengetahui peran BMT pada pembiayaan usaha mikro kecil dan menengah di Kota Batam. Penelitian ini bersifat kualitatifdan mengambil lokasi di BMT Al Muhajirin Kelurahan Tiban Indah kecamatan Sekupang Batam. Pengambilan data dilakukan dengan tehnik Obeservasi dan Wawancara yang dilakukan peneliti terhadap Nasabah dan pengelola usaha mikro kecil BMT Al Muhajirin. Hasil penelitian menunjukkan bahwa peran BMT Al-Muhajirin dalam  pengembangan usaha mikro kecil dan menengah di Tiban Indah sudah maksimal, hal ini dibuktikkan dengan dibukanya lapangan pekerjaan diberbagai sektor dan menyerap tenaga kerja sehingga meningkatkan kesejahteraan masyarakat khususnya masyarakat kecil atau kurang mampu. Disamping itu untuk mengembangkan usaha Mikro kecil dan menengah juga dilaksanakan pelatihan-pelatihan bagi para pelaku usaha serta mempermudah pelayanan Pembiayaan di BMT Al-Muhajirin. Kontribusi BMT Al-Muhajirin dalam pengembangan usaha Mikro kecil dan menengah (UMKM) di Tiban Indah Kota Batam sangat dirasakan manfaatnya oleh para pelaku UMKM dan masyarakat kurang mampu yang menjadi pelaku utama usaha tersebut. Bagi masyarakat Kota Batam keberadaan BMT Al Muhajirin merupakan wujud aspirasi masyarakat yang menginginkan kegiatan perekonomian yang berdasarkan prinsip syariah dan diharapkan mampu mengeluarkan masyarakat kecil dari kemiskinan. This study aims to determinetherole of BMT Al-Muhajirin infinancing small and medium businesses in Tiban Indah. BMT Al Muhajirin is the place of this research. This qualitative research uses observation and interviews. Researchers who were directly involved with BMT Al Muhajirin and micro and small business clients conducted observations and interviews. This research shows that the role of UMKM BMT Al-Muhajirin in the development of micro, small and medium enterprises in Tiban Indah has been maximized. This is evidenced by the emergence of jobs in various regions toabsorb labor and improve people's welfare, especially for small or underprivileged communities. BMT Al-Muhajirin helpsthe growth of small and medium businesses through training and ease of financing. One of the reasons why UMKM BMTAl-Muhajirin is very important for the developmentof UMKM in Tiban Indah, Batam City is because the development of UMK Misclo sely related to the poor. Main actor in the company. BMT Al-Muhajirin is one of the sharia financial institutions that emerged as a response to the increasing desire from communities who want to do business with sharia principles to stop small people from poverty. 
Co-Authors Diana Eravia Fithri Mehdini Addieningrum Hasbullah Siregar