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All Journal Al-Kharaj: Journal of Islamic Economic and Business Journal of Islamic economics Perspectives (JIEP)
Muhammad Fauzinudin Faiz
Unknown Affiliation
Religion Economics, Econometrics & Finance Education Social Sciences

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The Efficacy of Murabahah Agreements in Personal Financing Schemes: A Case Study of KSPPS BMT NU in Rural Indonesia Shinta Amelia Putri; Nita Aprilia; Intan Yulianti; Muhammad Fauzinudin Faiz
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i1.6330

Abstract

This study aims to analyze the effectiveness of murabahah agreements in personal financing schemes at KSPPS BMT NU, especially at the Wringin Bondowoso branch, Indonesia. This research uses a descriptive qualitative method with a case study approach. Data were collected through in-depth interviews with semi-structured interviews and using purposive techniques in determining respondents, direct observation, and documentation related to the procedures and implementation of the murabahah agreements. The results showed that KSPPS BMT NU Wringin Branch has successfully implemented the murabahah agreements in accordance with sharia principles. The transparent financing process and clear profit margin are the main factors in increasing customer trust. In addition, this murabaha contract contributes to increasing access to financing for the Wringin village community. The results of this study provide important insights into the application of murabahah agreements in Islamic microfinance institutions and their impact on the economic development of the ummah. This study recommends the need for further development in Islamic financing practices as well as suggestions for future research that can explore other aspects of the murabahah contract and its impact on community welfare
Establishing a Zakat Culture based on Good Zakat Governance and Good Zakat Empowerment in Indonesia Chotib, Moch; Muhammad Fauzinudin Faiz; Ikhsan Abdullah
Journal of Islamic Economics Perspectives Vol. 5 No. 2 (2023): September (2023) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v5i2.121

Abstract

Co-Authors Chotib, Moch Ikhsan Abdullah Intan Yulianti NITA APRILIA Shinta Amelia Putri