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PROBLEMATIKA NASABAH DALAM PEMBIAYAAN MURABAHAH (STUDI DI BPRS BHAKTI SUMEKAR KC. MASALEMBU KAB. SUMENEP)
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.
FAKULTAS SYARI’AH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA
PROBLEMATIKA NASABAH DALAM PEMBIAYAAN MURABAHAH (STUDI DI BPRS BHAKTI SUMEKAR KC. MASALEMBU KAB. SUMENEP) (Text)
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297.273 Islam dan Ilmu Ekonomi, Perbankan Syariah, Lembaga Keuangan Syariah