Abstract
The purpose of this research is to find out how to determine the margin of murabahah financing, and components considered by Bank Syariah X Pontianak Branch. This is a qualitative descriptive research by investigating directly to the field in order to get more detail informations.Data collections were done by conducting observation, interview, documentation and literature study. From the research results, it can be concluded that the determination of murabahah margin in Bank Syariah X Branch Pontianak was using base lending rate approach where the components were among others the cost of fund, overhead cost, expected return, and risk premium. The margin set by the Syariah Bank at the beginning of the contract and should not be changed until the end of the contract and this distinguishes Islamic banks with conventional banks.
Highlights
The purpose of this research is to find out how to determine the margin of murabahah financing
components considered by Bank Syariah X Pontianak Branch
Data collections were done by conducting observation
Summary
Hadirnya perbankan syariah seakan-akan memberikan angin sejuk bagi perekonomian, sekaligus memberikan jalan keluar yang sangat tepat bagi umat islam. Jika di konvensional sistem bunga kredit bisa fluktuatif sesuai dengan keadaan pasar, suku bunga, dan kondisi makro ekonomi, maka di bank syariah margin yang ditetapkan pada saat penandatanganan akad pembiayaan tidak boleh berubah meskipun terjadi inflasi, ataupun kenaikan tingkat suku bunga pasar. Kesalahpahaman juga berlanjut mengenai besarnya margin murabahah yang diambil oleh bank syariah, sehingga muncul persepsi bahwa jika bank syariah mengambil keuntungan, harusnya lebih kecil dari bank pada umumnya. Hal-hal seperti diatas membentuk paradigma masyarakat yang sangat tidak menguntungkan bagi pihak bank dimana sebagian masyarakat berpandangan bahwa bank syariah sama saja dengan bank konvensional, dan bank syariah sengaja menerapkan akad murabahah ini semata untuk mensiasati perolehan kuntungan atas pembiayaan yang disalurkan.
Sign-in/Register to view highlights & summary Sign-in/Register to access full text options 
Free) 
Talk to us
Join us for a 30 min session where you can share your feedback and ask us any queries you have
Schedule a call
