relation: https://digilib.uin-suka.ac.id/id/eprint/70341/
title: PROBLEMATIKA NASABAH DALAM PEMBIAYAAN MURABAHAH (STUDI DI BPRS BHAKTI SUMEKAR KC. MASALEMBU KAB. SUMENEP)
creator: M. Kausari Kaidani, NIM.: 21103080071
subject: 297.273 Islam dan Ilmu Ekonomi, Perbankan Syariah, Lembaga Keuangan Syariah
description: BPRS Bhakti Sumekar Masalembu Branch Office (BPRS BS KC.  Masalembu) provides working capital financing facilities to support community  business development. However, in practice, several irregularities were found that  could potentially hinder the achievement of these objectives. These deviations  include combining murabahah and wakalah contracts together, using financing  funds that are not in accordance with the side streaming contract, providing  financing facilities based on fictitious collateral, and defaults committed by  customers. These findings indicate less than optimal compliance with DSN-MUI  Fatwa No.04/DSN-MUI/IV/2000 on Murabahah, as well as the need to improve the  application of the precautionary principle in the management of working capital  financing.  This research uses a qualitative method with a descriptive approach.  Primary data was collected through direct interviews with the UMKM division,  Head of BPRS BS KC. Masalembu, Account Officer (AO), customers, and reviewing  related documents. Meanwhile, secondary data was collected from various sources,  such as scientific journals, books, regulations, fatwas, and other relevant literature.  Collaboration of primary and secondary data was conducted to obtain a  comprehensive analysis. Primary data is used to identify the main problems that  occur in the field, while secondary data helps explain and answer these problems  theoretically.  The results showed that the implementation of murabaha financing at BPRS  BS KC. Masalembu still faces several obstacles, especially in the application of  contracts that are not in accordance with the provisions of Fatwa DSN-MUI. In  addition, the risk of misuse of side streaming financing funds is also caused by the  lack of in-depth analysis of the prospective customer's character, the urgent  situation experienced by the customer, and the maximum lack of supervision and  application of the prudential principle by the bank. This causes the utilization of  financing facilities to often not be in accordance with the contract agreed between  the bank and the customer.
date: 2025-01-24
type: Thesis
type: NonPeerReviewed
format: text
language: id
identifier: https://digilib.uin-suka.ac.id/id/eprint/70341/1/21103080071_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf
format: text
language: id
identifier: https://digilib.uin-suka.ac.id/id/eprint/70341/2/21103080071_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf
identifier:   M. Kausari Kaidani, NIM.: 21103080071  (2025) PROBLEMATIKA NASABAH DALAM PEMBIAYAAN MURABAHAH (STUDI DI BPRS BHAKTI SUMEKAR KC. MASALEMBU KAB. SUMENEP).  Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.