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All Journal Sosial Budaya Perspektif Pendidikan dan Keguruan Instructional Development Journal Community Service Journal Of Economic Education IIJSE BATIK: Jurnal Pengembangan dan Pengabdian Masyarakat Multikultural JALAKOTEK: Journal of Accounting Law Communication and Technology
Emilia Susanti
Universitas Islam Negeri Sultan Syarif Kasim Riau
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : IIJSE

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Analisis Penerapan Pembiayaan Akad Murabahah Bank Rakyat Indonesia Syariah (BRI Syariah) Pekanbaru Mohd Winario; Irawati Irawati; Hasgimianti Hasgimianti; Emilia Susanti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 3 No 1 (2020): Sharia Economic: July, 2020
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v3i1.723

Abstract

This research was conducted at BRI Syariah Pekanbaru, with the aim of knowing the application of murabahah financing, is it in accordance with Islamic principles or is it in accordance with the fatwa set by DSN-MUI. The sampling method of this research using snowball sampling, by interview, observation and documentation. This research uses descriptive qualitative analysis. The results can be concluded that the application of BRI Syariah Pekanbaru murabaha financing uses a tiered percentage system from each year on the principal of murabahah financing. Determination of margins is still calculated based on the BI Rate and looking at the applicable margins in other banks. The murabahah financing system at the bank can start from administrative requirements, collateral requirements, financing conditions, financing ceiling, financing period, and fees charged to customers. In determining murabahah financing margins, the rate of inflation is still used annually. If the BI rate is higher, then the margin taken by the bank of the customers will be higher also.
Co-Authors Afrizal Afrizal Almegi Anaka Avava Della Marsya Pratama Elis Setiawati Fadila Aulia Puteri Hasgimianti Hasgimianti Herlina Herlina Irawati Irawati Murny Murny Nurdiana Nurdiana Nurzena Nurzena Penti Suryani Rabiatul Aeprilia Nuraisyah Raka Ilham Sapta Pratama Rizki Fiprinita Roswati Roswati Suhertina Suhertina Syafaruddin Syafaruddin Wardani Purnama Sari Winario, Mohd. Yasnel, Yasnel