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All Journal EKONOBIS (JURNAL EKONOMI DAN BISNIS) International Journal of Islamic and Social Sciences (ISOS)
Nur aeda
Universitas Islam Negeri Mataram
Economics, Econometrics & Finance

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Analysis of Murabahah Contract Financing in the Covid-19 Pandemic Era at Koperasi Serba Usaha Bmt Al-Iqtishady Pagesangan Mataram Ade Shofiatun Sholehah; Nur aeda; Baihaqi
International Journal of Islamic and Social Sciences (ISOS) Vol. 1 No. 2 (2021): ISOS : International Journal of Islamic and Social Sciences
Publisher : UIN Mataram

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Abstract

The purpose of this study was to determine the impact of the COVID-19 pandemic on financing in murabahah contracts and the way the Koperasi Serba Usaha Bmt Al-Iqtishady Pagesangan Mataram in overcoming these impacts, especially related to problematic financing. The type of research approach used is descriptive qualitative with data collection methods including: observation, interviews and documentation, while the data analysis methods used are data collection, data reduction and verification. The results of this study show (1) the impact of the covid-19 pandemic on murabahah financing is a change in the transaction method, a decrease in the amount of murabahah financing disbursed as a result of increasing cooperative prudence, the occurrence of problematic financing caused by the business or work of customers affected by the Covid pandemic. -19 thus affecting the ability of customers to pay their obligations. (2) the method used by the Koperasi Serba Usaha BMT Al-Iqtishady Pegesangan Mataram in overcoming the impact of the Covid-19 pandemic, namely by restructuring problematic financing, including: rescheduling, namely by rescheduling the due date by giving an extension of time, the return requirement is by rescheduling re-arrangement of the installment amount, term and schedule of payments, and the last is realignment, namely by changing the form of the murabahah financing contract into other contracts such as mudharabah or musyarakah.
AKAD MURABAHAH DAN AKAD MUSYARAKAH MUTANAQISAH PADA PEMBIAYAAN KEPEMILIKAN RUMAH DI BSI KANTOR CABANG MATARAM PEJANGGIK 1 Nur Aeda; Yunia Ulfa Variana; Adhitya Bagus Singandaru; Syafrani Ningsih
Journal of Economics and Business Vol 8 No 2 (2022): Ekonobis, September 2022
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ekonobis.v9i2.113

Abstract

Penelitian ini bertujuan untuk mengetahui perbandingan akad murabahah dan akad musyarakah mutanaqisah pada pembiayaan kepemilikan rumah di BSI Kantor Cabang Mataram Pejanggik 1. Jenis penelitian yang digunakan adalah kualitatif yang bersifat deskriptif. Teknik pengumpulan data yang digunakan adalah teknik observasi, wawancara dan dokumentasi pada objek penelitian yang dilakukan. Dapat disimpulkan perbandingan akad murabahah dan musyarakah mutanaqisah dapat diketahui dari perbedaan, kelebihan, serta kekurangan yang ada didalam setiap akad. Serta perbandingan akad murabahah dan akad musyarakah mutanaqisah dapat diketahui banyaknya jumlah nasabah yang menggunakan akad murabahah dibandingkan akad musyarakah mutanaqisah, dikarenakan pada akad murabahah kepemilikan rumah langsung atas nama nasabah berbeda dengan akad musyarakah mutanaqisah yang kepemilikan bersama antara nasabah dan pihak bank, nasabah akan memiliki hak kepemilikan seutuhnya pada rumah ketika membayar porsi bank dan biaya sewa sesuai dengan jangka waktu yang telah disepakati.
Co-Authors Ade Shofiatun Sholehah Adhitya Bagus Singandaru Baihaqi Syafrani Ningsih Yunia Ulfa Variana