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All Journal Optimal: Jurnal Ekonomi dan Manajemen
Sri Suci Ayu Surandari
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ANALISIS PROSEDUR MANAJEMEN KEUANGAN PEMBIAYAAN SYARIAH DENGAN AKAD MURABAHAH Alya Nabila Junaidi; Muhammad Irwan Padli Nasution; Sri Suci Ayu Surandari
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2023): Maret: Jurnal Ekonomi dan Manajemen
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v3i1.953

Abstract

Cooperatives for Savings and Loans and Sharia Financing are microfinance institutions that collect funds from the public and distribute them to people who need these funds. The purpose of this study was to determine the financial management system of sharia financing with the murabahah contract in the Baitut Tamwil Tazakka Islamic Savings and Loan Cooperative. This research is qualitative research using interview and documentation methods and obtained primary and secondary data results. The results of this study are that the murabahah contract is one of the most dominant contracts in the Baitut Tamwil Tazakka Sharia Savings and Loan Cooperative. Among the products are funding and financing products. In non-performing financing or bad credit, it is known from Non-Performing Financing 0.4%, so to avoid this, the Saving and Loan and Sharia Financing Cooperatives use the 5C principles, namely Character, Capacity, Capital, Collateral, and Condition.
Co-Authors Alya Nabila Junaidi Nasution, Muhammad Irwan Padli