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All Journal Sharia Economic and Management Business Journal (SEMBJ)
Mutiara Umi, Olga
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Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Education Other

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IB Hijrah KPR Financing Mechanism with Murabahah Akad at Bank Muamalat Mutiara Umi, Olga; Adetio Setiawan, Romi; Syaifudin, Syaifudin; Andika Eko Prasetiyo
Sharia Economic and Management Business Journal (SEMBJ) Vol. 5 No. 1 (2024): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v5i1.1201

Abstract

This research aims to comprehend the mechanism of financing for Islamic Home Ownership Credit (Kredit Pemilikan Rumah - KPR), particularly KPR IB Hijrah, and seeks solutions to address financing issues arising through the application of the murabahah contract at Bank Muamalat Bengkulu Kc S. Parman. The research method employed is field research with a qualitative descriptive approach. Data were gathered through observation, interviews, and documentation. The study concludes that the KPR IB Hijrah financing process involves stages such as application submission, fulfillment of requirements, scrutiny of document prerequisites, financing approval, and the execution of the murabahah contract. Customer responses to the financing mechanism indicate a clear understanding of requirements and administrative costs. To address emerging financing problems, the researcher recommends several solutions. Firstly, a direct approach to customers to provide a deeper understanding of the issues they face. Secondly, proactive and periodic debt collection efforts to prevent payment delinquencies. Additionally, issuing warning letters can serve as an initial step in resolving issues. In more complex cases, restructuring of financing is suggested as an alternative solution. Finally, if necessary, collateral execution can be implemented as a last resort in resolving problematic financing.
Implementation of Istishna Akad in Online Sale and Purchase Transactions Tio Sopa, Aula; Mutiara Umi, Olga; Mirabai Bhhana
Sharia Economic and Management Business Journal (SEMBJ) Vol. 4 No. 1 (2023): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v4i1.1181

Abstract

This study analyzes the use of istishna contracts in online buying and selling transactions. Then the method used in making this journal is a qualitative research method and in collecting data using secondary data, namely by collecting data through websites, journals, and books. In using the istishna contract in online buying and selling transactions, it already follows the provisions or pillars of the istishna contract. The istishna contract can also end based on several things, one of which is the non-fulfillment of formal obligations by the parties involved. Online buying and selling transactions that are growing rapidly, in an Islamic perspective, fall into the category of business or commerce. In Islam, there are rules governing sellers and buyers in buying and selling transactions. This research explores the pillars and conditions for conducting online buying and selling transactions and the implementation of Istishna contracts in online buying and selling transactions. The results of this study determine the sale and purchase transactions in Islam with an istishna contract and what form the transaction takes.
Co-Authors Adetio Setiawan, Romi Andika Eko Prasetiyo Mirabai Bhhana Syaifudin Syaifudin, Syaifudin Tio Sopa, Aula