Article Per Year (5 Year)
p-Index From 2020 - 2025
0.23
P-Index
This Author published in this journals
All Journal el hisbah: Journal of Islamic Economic Law
Nabila, Nurma
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Penyelesaian Pembiayaan Murabahah yang Bermasalah (KSPPS BMT Mitra Umat Pekalongan Cabang Krapyak) Nabila, Nurma; Jalaludin, Akhmad; Pratami, Bunga Desyana
el hisbah Journal of Islamic Economic Law Vol 2 No 2 (2022)
Publisher : Fakultas Syariah dan Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/elhisbahjournalofislamiceconomiclaw.v2i2.823

Abstract

Non-performing financing is not expected by financial institutions that provide financing products because it can cause losses to financial institutions. The purpose of this study is to analyze the supporting and inhibiting factors in efforts to resolve problematic murabahah financing at KSPPS BMT Mitra Umat Pekalongan Krapyak Branch in 2021 and analyze the suitability of efforts to resolve problematic murabahah financing at KSPPS BMT Mitra Umat Pekalongan Krapyak Branch in 2021 with the DSN-MUI Fatwa and KHES. This type of research is sociological law with data collection techniques through interviews and documentation. The results of the study show that the supporting factors in efforts to resolve problematic murabahah financing are supervision and communication with customers; customer awareness and good faith; cooperative customers to the agreement; as well as the existence of a team of lawyers who provide a deterrent effect. The inhibiting factor is the character of the customer; customer dishonesty; unstable economic condition; and customers are reluctant to sell collateral. There is a discrepancy with the provisions of the DSN-MUI fatwa and KHES, namely the point of debt relief at the guarantee execution stage, the point of converting a contract. KSPPS BMT Mitra Umat Pekalongan Krapyak Branch does not apply sanctions to customers who delay payments, but charges compensation for transportation costs when billing the customer's home.
Co-Authors Akhmad Jalaludin, Akhmad Pratami, Bunga Desyana