Implementasi Pembiayaan Murabahah pada Baitul Mal  Wat Tamwil (BMT) Kota Pekanbaru

Melina, Ficha; Zulfa, Marina

doi:10.31539/costing.v3i2.1032

Cited by 5 publications

(9 citation statements)

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“…Studi sebelumnya yang dilakukan oleh Bonita and Anwar (2018); Ningrum (2019); Anugrah and Laila (2020); Melina (2020); Melina and Zulfa (2020); Winarto and Falah (2020); Sakum and Fitri (2021); Wulandari and Anwar (2021); Alghifari et al (2022); Basri, Dewi, and Iswahyudi (2022); Diah and Zulhamdi (2022); Munir (2022); Prameswari et al (2022); Purwasik (2022); Wisnuadhi et al (2022); Affandi and Rahman (2023); Anisa, Prawoto, and Sunarya (2023); Melinda and Segaf (2023) telah memfokuskan pada penerapan produk murabahah di berbagai lembaga keuangan syariah. Namun, penelitian tersebut memiliki hasil dan teknik analisis data yang berbeda-beda serta tidak menggunakan analisis SWOT untuk mengidentifikasi faktor-faktor kekuatan, kelemahan, ancaman, dan peluang pada implementasi pembiayaan murabahah.…”

Section: Pendahuluanunclassified

“…Penelitian ini berbeda dengan penelitian yang dilakukan sebelumnya Melina and Zulfa (2020);Wisnuadhi et al (2022) karena penelitian ini membahas peran kepercayaan masyarakat dalam membangun hubungan yang erat dengan nasabah bagi BMT NUS. Dengan fokus pada kualitas kepemimpinan, jaringan luas, pelayanan yang baik, prosedur praktis, dan lokasi strategis, penelitian ini mengidentifikasi faktor-faktor krusial yang mendukung pertumbuhan berkelanjutan.…”

Section: Analisis Faktor Internal (Ifas)unclassified

“…Oleh karena itu, mengatasi kelemahan-kelemahan ini menjadi penting untuk meraih keberhasilan dalam industri keuangan syariah. Hasil penelitian ini tidak berbeda jauh dengan penelitian yang dilakukan oleh Melina and Zulfa (2020), namun berbeda dengan penelitian yang dilakukan oleh Wisnuadhi et al ( 2022), secara khusus menyoroti hambatan-hambatan yang dihadapi dalam memahami dan memanfaatkan produk dan layanan syariah, sementara penelitian lain mungkin lebih berorientasi pada aspek lain dari industri keuangan atau mungkin tidak memfokuskan pada produk dan layanan syariah sama sekali. Selain itu, penelitian ini mengidentifikasi hambatan-hambatan yang berkaitan dengan pendidikan, inovasi produk, sumber daya yang terbatas, dan strategi pemasaran lokal sebagai faktor krusial yang mempengaruhi keberhasilan dalam industri keuangan syariah.…”

Section: Analisis Faktor Internal (Ifas)unclassified

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Implementation Of Murabaha Financing In Baitul Maal Wat Tamwil: A SWOT Analysis

Assodiqoh,

Fitriyani,

Yanuar

et al. 2024

JPS

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This research uses the SWOT approach to review Murabaha financing at Baitul Maal Wat Tamwil (BMT). This research is field research, with primary and secondary data sources, such as questionnaires, interviews, and literature. The research sample consisted of 20 people and three informants. Data analysis uses a mixed method approach, quantitatively and qualitatively, with the IFAS, EFAS and SWOT matrices. The research results found that several internal and external factors need to be evaluated, such as public trust, quality leadership, networks and partnerships, excellent and friendly service, practical procedures, and strategic location, which are assets that organizations can utilize to socialize Murabaha financing in the community. Meanwhile, external opportunities such as support from government agencies, a majority Muslim community, and local marketing strategies offer further growth and development potential. However, there are areas for improvement in education and awareness, product and service innovation, limited resources, and local marketing strategies that need to be overcome. Furthermore, threats from many competitors, the same target market, and a low public understanding of Islamic financing exist. This research can be helpful as a reference for future research and then become a reference for BMT in aligning organizational strategy with internal strengths and external opportunities, as well as overcoming existing weaknesses and threats.

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Section: Pendahuluanunclassified

Section: Analisis Faktor Internal (Ifas)unclassified

See 1 more Smart Citation

Implementation Of Murabaha Financing In Baitul Maal Wat Tamwil: A SWOT Analysis

Assodiqoh,

Fitriyani,

Yanuar

et al. 2024

JPS

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“…Pembelian merupakan kegiatan utama untuk menjamin kelancaran transaksi penjualan yang terjadi dalam suatu perusahaan atau pembelian merupakan bagian dari kegiatan ekonomi yang kita lakukan setiap hari dan penyerahan barang merupakan suatu kesepakatan antara penjual dengan peembeli tentang pemindahan hak milik disertai biaya pengiriman barang dari gudang penjual ke gudang pembeli (Melina Ficha, 2020). Wawancara dengan pihak BMT menyatakan "pelaksanaan Pembelian dan Penyerahan Barang disesuaikan dengan kebutuhan nasabah dimana pembelian barang dilakukan oleh pihak BMT, barang tersebut akan diserakan kepada nasabah saat menandatagani akad tersebut.…”

Section: F Pengelolaan Pada Proses Pembelian Dan Penyerahan Barangunclassified

Penerapan Prinsip Pembiayaan Murabahah Pada KSPPS BMT Nusa Ummat Sejahtera Kc. Cirebon Tinjauan Perspektif Hukum Islam

Khairunnisa¹

2022

INKLUSIF

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Murabahah is one of the fund distribution products that is quite popular with BMT customers because of its profitable characteristics. However, even though the implementation is easy and much-loved by the public, Murabaha financing also has many problems. Many factors include ordinary people who still do not understand about murabahah financing, because there are still many people who think that murabahah financing is the same as conventional financing. In fact, according to the DSN-MUI fatwa, this is not the case. For this reason, the author aims to conduct an analysis of the application of the principle of Murabaha financing. This research was conducted at KSPPS BMT Nusa Ummat Sejahtera KC. Cirebon, whose address is at Jalan Raya Tengah Tani No. 17 Dawuan Village, Tengah Tani Subdistrict, Cirebon Regency. The focus of the research is on an analysis of the condition of the BMT in the village, both institutional conditions, services, and practices in the field. The subjects of this research are the managers of BMT Nusa Ummat Sejahtera. The research methods used descriptive qualitative. The result of the research is murabahah funding as a one of product which BMT NU Sejahtera practically have doing by islamic principle.

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“…Murabahah is a sale-purchase contract in which the bank acts as the seller while the customer acts as the buyer. The selling price is the bank's purchase price plus the profit (Ficha, 2020).…”

Section: Murabahahhmentioning

confidence: 99%

Sharia Financial Services Cooperative in Review of Fiqh Muamalah

Kumala

2022

JESKaPe

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Microfinance institutions as one of the pillars of the Indonesian economy by providing financing to small businesses are expected to help in alleviating poverty in Indonesia. One of them is the Sharia Financial Services Cooperative (KJKS) which has sharia-based operational standards. This study aims to see how the KJKS in the Fiqh Muamalah Review. This study uses a literature study method by mapping the themes of previous studies. Search articles using the Google Scholar database with the keywords “fiqh muamalah” OR “fiqh muamalah” OR “fiqh muamalah” AND “sharia financial services cooperatives”. In the period 2017 to 2022, 61 articles were found which were then selected into 37 articles that were considered still relevant to the themes discussed. Of the 37 selected articles, they have been grouped into several themes: 1) Contracts in Islamic cooperatives 2) Sharia Cooperative Services 3) Supervision and Risk Management of Sharia Cooperatives 4) Conformity of the Concept and Relevance of Fiqh Muamalah in Financing Practices 5) Performance of DPS in Sharia Cooperatives. The results of this study are in principle KJKS has carried out operational activities by Fiqh Muamalah, operational activities based on sharia law, regarding human behavior in their lives which are obtained from Islamic arguments in detail. Operational activities of Sharia Financial Services Cooperatives or BMTs are supervised by the Financial Services Authority (OJK), Sharia Supervisory Board (DPS), and the Ministry of Cooperatives and SMEs in each of its activities, however, there are still KJSK that carry out operational activities that are not by fiqh muamalah, this is due to a lack of understanding. concerning fiqh muamalah in the activities of the Sharia Financial Services Cooperative.

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Implementasi Pembiayaan Murabahah pada Baitul Mal Wat Tamwil (BMT) Kota Pekanbaru

Cited by 5 publications

References 0 publications

Implementation Of Murabaha Financing In Baitul Maal Wat Tamwil: A SWOT Analysis

Implementation Of Murabaha Financing In Baitul Maal Wat Tamwil: A SWOT Analysis

Penerapan Prinsip Pembiayaan Murabahah Pada KSPPS BMT Nusa Ummat Sejahtera Kc. Cirebon Tinjauan Perspektif Hukum Islam

Sharia Financial Services Cooperative in Review of Fiqh Muamalah

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