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All Journal International Journal of Education, Social Studies, And Management (IJESSM) Proceeding International Seminar of Islamic Studies
Sari, Chyntia Kemala
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Religion Arts Astronomy Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Mathematics Physics Other

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ANALISIS PEMBIAYAAN KPR DENGAN AKAD MURABAHAH BIL AL WAKALAHDI BTN SYARIAH KC MEDAN Lubis, Mega Yuliana; Fithri, Fauza; Fadilla A.P, Nur; Wulandari, Riska; Zuriati, Zuriati; Sari, Chyntia Kemala
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

This research is motivated by the combination of the concepts of murabahah and Al wakalah in providing Home Ownership Credit (KPR) financing by Bank BTN Syariah KC Medan. The mortgage financing process begins with a wakalah contract, followed by a murabahah contract. The research method used is a study of previously existing literature. The research results show that the management of KPR financing at Bank BTN Syariah KC Medan is in accordance with applicable procedures, including the stages of applying for financing, disbursing funds and binding collateral through a notary. This financing aims to provide benefits for all parties involved, namely customers, developers, and Bank BTN Syariah KC Medan, by referring to the Fatwa of the National Sharia Council (DSN) regarding Murabahah (No: 04/DSN-MUI/IV/2000) and Wakalah (No: 10/DSN-MUI/IV/2000)
Analysis of the Implementation of Syariah Home Ownership Credit (KPR) Financing With the Murabahah Agreement at Bank Syariah Indonesia KCP Medan Juanda Sari, Chyntia Kemala; Sriwardany, Sriwardany; Irama, Ova Novi; Munawarah, Wilda Sri
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 4 No. 3 (2024): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v4i3.686

Abstract

Sharia mortgage shows that sharia banking is currently developing very well. In general, sharia banks are institutions that function to receive and distribute community funds but with sharia principles. In receiving or distributing financing to the community, there are many contracts used in sharia banks. Such as mudharabah, wadiah, murabahah, etc. However, for the distribution of financing to the community, sharia banks generally use the murabahah sale and purchase contract. This study aims to determine the application of the murabahah contract in sharia mortgage financing at Bank Syariah Indonesia Kcp Medan Juanda on Jl. l. Ir. H. Juanda No.3a, Ps. Merah Bar., Kec. Medan City. To determine the application of the contract in accordance with the fatwa of the National Sharia Council of the Indonesian Ulema Council. This type of research uses a qualitative descriptive method and in collecting data, this type of research uses a case study approach. The data analysis techniques used are data reduction, data presentation and drawing conclusions. The data validity test used in this study is the credibility test. The results of this study indicate that; The risks that occur at Bank Syariah Indonesia KCP Medan Juanda in financing Sharia KPR using the murabahah contract are financing risk, operational risk, market risk and liquidity risk caused by events originating from internal (Bank Syariah Indonesia KCP Medan Juanda Mada) and external banks ( customers and markets). The implementation of risk management at Bank Syariah Indonesia KCP Medan Juanda is carried out by identifying risks, measuring risks using the 5C Credit Analysis method, monitoring risks, and controlling risks. In addition, these regulations are in accordance with the Company's Internal SOP and the regulations of the Financial Services Authority.
Co-Authors Fadilla A.P, Nur Fithri, Fauza Lubis, Mega Yuliana Munawarah, Wilda Sri Ova Novi Irama Riska Wulandari, Riska Sriwardany Zuriati, Zuriati