Murabahah Financing Research Articles

Analisis Pembiayaan Murabahah Pada Baitul Maal Wat Tamwil Dalam Proses Jual Beli Usaha Mikro, Kecil, Dan Menengah (Studi Kasus Pada Bmt Usaha Gabungan Terpadu Nusantara Capem Kencong)

This research aims to determine the impact of implementing Murabahah financing in the buying and selling process for Micro, Small and Medium Enterprises (MSMEs) at BMT UGT Nusantara. This research uses a descriptive qualitative approach with the type of field research. The location that is the object of this research is BMT UGT Nusantara Capem Kencong. Researchers used primary data obtained through interviews, observation and documentation. Data validity analysis uses triangulation techniques. The results of the research conclude that Murabahah financing at BMT UGT Nusantara Capem Kencong has a good impact on the economy, especially on the surrounding MSMEs, which can be proven by several developments that have occurred in MSMEs through indicators including increasing income, increasing trading facilities (ruko), and increasing the number of buyer

The Effect of Murabahah, Mudharabah and Musharakah Financing on Profitability in Sharia Commercial Banks

Financing is an important activity for Islamic banks. Islamic banks, which have a function as an intermediary institution, are obliged to carry out operational activities effectively and efficiently in order to generate maximum profits. This study aims to determine the influence of Murabahah, Mudharabah, and Musharakah Financing on profitability in Sharia Commercial Banks in Indonesia. The analysis method used is the panel data regression method with the selected model being the Fixed Effect Model. The population in this study is all Sharia Commercial Banks in Indonesia registered with the FSA for the 2019-2021 period as many as 14 Islamic banks. The determination of the number of samples was carried out using the Purposive Sampling technique and was determined as many as 9 samples of Islamic banks. The results of the t-test show that partially Murabahah Financing and Musharakah Financing do not have a significant effect on profitability, while Mudharabah Financing has a negative and significant effect on profitability. The results of Test F show that simultaneously Murabahah, Mudharabah, and Musharakah Financing has a significant effect on profitability in Sharia Commercial Banks in Indonesia registered with the Financial Services Authority for the 2019-2021 period.

Analisis Kasus Pembiayaan Murabahah dan Dampaknya terhadap Kinerja UMKM: Studi Kasus pada UMKM Dilola Snack Medan

This research was conducted to evaluate the impact of Murabahah financing on the performance of MSMEs, with a case study of Dilola Snack in Medan. Murabahah financing has become one of the main choices for MSMEs in meeting their working capital needs because of its transparent nature and in accordance with sharia principles. In an economic context that continues to develop, MSMEs often face challenges in accessing financing that is in accordance with Islamic values. Therefore, it is important to understand the extent to which this financing can support the growth and sustainability of small businesses. The method used in this research is observation and in-depth interviews with the owner of Dilola Snack to obtain relevant and comprehensive data. The research results show that Murabahah financing has a significant positive impact on increasing production capacity, operational efficiency and new product development. However, margin payment obligations require careful cash flow management to maintain business sustainability. Overall, Murabahah financing has been proven to support the growth of MSMEs while still complying with sharia principles.

Kedudukan Peranan Notaris dalam Akad Murabahah di Bank Syariah

Basically, the existence of guarantees in sharia banking is a form of bank confidence in the ability of prospective customers who receive facilities to pay off and return the facilities they receive. The aim of this research is: To analyze legal certainty in the financing philosophy of Murabahah contracts in Sharia Banking. And to analyze the role of notaries in murabahah contracts in Sharia banks. Types of legal research are divided into 2 (two) types, namely Normative Legal research and Empirical Legal research. The type of research used by researchers in this research is researchBased on the results of the discussion, the position of Murabahah financing in Sharia Banks is the most popular among the public. Murabahah financing is a product that does not recognize usury or the interest system and murabahah products really help people to make their wishes come true. And the function of a notary is very important in the field of sharia banking, especially in making contracts to channel funds through financing to customers, specifically to create legal certainty in the legal relationship between sharia banks or sharia business units and their customers, namely by making contracts. The financing is in the form of an authentic deed based on the principles of freedom of contract and sharia principles.

Analysis of Murabahah Financing in Sharia Banking (Bank BJBS KCP Arcamanik Case Study)

Murabahah is an agreement for the sale and purchase of an item where the seller states the selling price which consists of the cost price and a certain level of profit on the item where the selling price is agreed to by the buyer. The purpose of writing this article is to analyze the issue of murabahah financing in sharia banking. This research examines the banking sector in Indonesia as the focus of the study, especially in terms of solving practical operational problems through exploratory investigations. Three customers and three sharia bank employees were tested in the study material in Bank BJBS KCP Arcamanik's sharia banking research. The Sharia Supervisory Board has carried out good supervision and must carry out strict supervision so that murabahah financing is carried out in accordance with this concept. This is so that murabahah financing which is the foundation for sharia banking financing can continue to exist and not damage the reputation or image of sharia banking.

The Effect of Mudharobah Financing, Musyarokah Financing, and Murabahah Financing on BPRS Profitability in Indonesia

This study aims to determine the effect of mudharobah financing, musyarokah financing and murabahah financing on Sharia People's Credit Banks registered with the Indonesian Financial Services Authority (OJK) in the 2017-2021 period. Data is obtained from Sharia Banking Statistics which is a collection of Sharia Commercial Banks and Sharia Units throughout Indonesia, so that what is done is sampling a number of populations. This type of research is descriptive quantitative, which is processed using multiple linear regression with the help of NCSS 2021. The results showed that mudharobah and murabahah financing had no effect on profitability, while musyarokah financing had an effect on profitability.

Analisis Laporan Keuangan pada Akad Pembiayaan Murabahah Berdasarkan PSAK 102: Studi Kasus Baitul Maal Tamwil (BMT) Syariah Riyal (BSR) Kabupaten Bekasi

This study aims to analyze the financial statements of murabahah financing contracts based on PSAK 102 with a case study on BMT Syariah Riyal Bekasi Regency. This study is a qualitative research with data collection techniques such as interviews, observations and documentation. This study aims to analyze the financial statements on the murabahah financing contract at BMT Syariah Riyal. However, in fact, Islamic banking and Islamic financial institutions in writing financial reports on murabahah contracts have not fully complied with PSAK 102 which explains murabahah contracts. This study provides empirical evidence in understanding the writing of financial statements of murabahah financing contracts based on PSAK 102.

ANALISIS PENGARUH PEMBIAYAAN MURABAHAH TERHADAP PROFITABILITAS DENGAN NON PERFORMING FINANCING (NPF) SEBAGAI VARIABEL INTERVENING PADA BTPN SYARIAH

ROA is a description of a bank's ability to generate profits. Increasing the ROA of a bank is very important for investors' interests because it can influence investors' confidence in continuing to invest or save at the bank. ROA is influenced by financing and the rate of return on the financing itself, therefore banks must always pay attention to providing financing so as not to increase the amount of non-performing financing (NPF) which can affect ROA. This research aims to determine the effect of murabahah financing on profitability with non-performing financing (NPF) as an intervening variable at BTPN Syariah bank. This research uses quantitative research with secondary data obtained from quarterly financial reports published on the BTPN Syariah bank website for the 2015-2022 period. This research used a saturated sampling technique with predetermined criteria resulting in 32 samples with an observation period of 8 years. The data analysis technique uses path analysis with SPSS 20 tools.The results of this research data analysis prove that murabahah financing has a significant effect on NPF, murabahah financing has a significant effect on ROA, NPF has no effect on ROA, NPF is unable to mediate the effect of murabahah financing on ROA.

Analisis Pengaruh Inflasi dan CAR terhadap Pembiayaan Murabahah pada PT Bank Aceh Syariah

This research aims to analyze the influence of Inflation and Capital Adequacy Ratio (CAR) on Murabahah Financing at PT Bank Aceh Syariah. The data used is Time Series data for the period September 2011 – June 2018 with a quantitative linear regression analysis method. The results of the discussion show that the Inflation variable is partially insignificant and has a negative relationship to distributed Murabahah Financing, while the CAR variable is partially significant and has a positive relationship to distributed Murabahah Financing. However, inflation and CAR simultaneously have a significant effect and are positively related to distributed Murabahah financing. These two independent variables are able to explain the dependent variable by 51.6% of the Adjusted R Square value and the remaining 48.4% is influenced by other variables.

The Effect of Multipurpose Murabahah Financing on The Development of Micro, Small and Medium Enterprises

Micro, small and medium enterprises are one of the spearheads of the country's economic development that require special attention to continue to develop them. This research aims to determine the effect of multipurpose murabahah financing on the development of micro, small and medium enterprises in Kota Baru Marelan with a case study at Bank SUMUT Syariah KCP Kota Baru Marelan. This research uses quantitative methods with a sample of 30 respondents. Sampling is done using techniquerandom sampling. The analysis used in this research is simple linear regression analysis, which is used to find out how much influence the independent variable has on the dependent variable. The results of the research on the t test obtained a significance value of 0.000, valueUnstandardized Coefficients as much as 0.675, Standardized Coefficients as much as 0.669, on the coefficient of determination (R2) the R-Square value obtained is 0.448 or 44.8%. So it can be concluded that the multipurpose murabahah financing carried out by Bank SUMUT Syariah KCP has a significant influence on the development of micro, small and medium enterprises in Kota Baru Marelan in a positive direction. The murabahah financing variable influences the development of MSMEs by 44,8%, then the remaining 55,2% is influenced by other variables outside this research.

PEMBIAYAAN MURABAHAH DI KSPPS BMT NU JAWA TIMUR DALAM PANDANGAN EKONOMI SYARIAH

Islamic financial institutions in the midst of society have an important role in helping meet community needs, especially murabaha financing products. Where BMT NU already has a plan that has been designed to achieve common goals, before that product is everything that can be offered to customers to get a good response and be able to satisfy customer needs. And the product offered by the Tlogosari Branch of BMT NU is murabahah financing where the BMT NU provides financing to partners who apply for financing to buy goods but lack funds or even have no funds at all by way of installments. This study aims to find out how the murabaha financing contract is implemented at BMT NU Tlogosari Bondowoso branch and to find out the perspective of sharia economic law on murabaha financing contracts at BMT NU Tlogosari Bondowoso branch. This type of research uses qualitative methods to understand the discussion in question. The result of the discussion is that the implementation of the murabaha financing contract at BMT NU Tlogosari is based on the pillars of murabahah and is permissible because it is in accordance with sharia principles.

Implementation of Deductions for Repayment of Murabahah Financing Debts Before Due Date : Case Study of Sharia Financial Institutions

Implementation of Deductions for Repayment of Murabahah Financing Debts Before Due Date : Case Study of Sharia Financial Institutions

Faktor-Faktor Yang Mempengaruhi Minat Anggota Dalam Memanfaatkan Produk Pembiayaan Murabahah di KSPPS BMT Berkah Kabupaten Ciamis

Cooperatives based on the sharia system developed amidst the rise of thousands of conventional cooperatives, especially on the financing provided to members. Financing is often used for cooperative activities because it is always related to plans to obtain income. The increase in financing products has a positive impact on economic progress. Therefore, with the phenomenon of increasing financing at one of the BMTs in Ciamis district, namely KSPPS BMT BERKAH, there has been an increase in murabahah financing products. The aim of conducting this research is to find out what factors influence members' interest in murabahah financing products at KSPPS BMT BERKAH. This research is qualitative research, namely using primary data, namely data that has been obtained from the object under study. Primary data from this research is the main source obtained from interviews. Meanwhile, secondary data is data obtained through intermediaries and parties who already have the data. Secondary data from this research is from books and documents and other things related to the author's title. The results of this research state that the factors for the increase in murabahah financing products are because most members easily understand this murabahah financing product compared to other financing products and BMT makes it easy for customer members to apply, namely easy terms and relatively small margins.

Eksplorasi Implementasi Prinsip Character, Capacity, Capital, Collateral, dan Condition Dalam Pembiayaan Murabahah di BPRS Bhakti Sumekar Sumenep

The rapid development of the Islamic finance industry does not mean that it does not experience several problems, including financing with murabahah contracts which contain many complex and diverse risks. Risk management is an effort to optimize profits in the Islamic financial industry business and minimize the risk of default for customers. The researcher is interested in researching the application of the 5C principle in murabahah financing at BPRS Bhakti Sumekar Sumenep which aims to find out how the implementation of the 5C principle in murabahah financing at BPRS Bhakti Sumekar Sumenep and what are the factors that cause problematic murabahah financing at BPRS Bhakti Sumekar Sumenep. The research method used by the researcher is descriptive qualitative research with data sourced from primary and secondary data, as well as data collection techniques used in the form of observation, interviews and documentation, while data analysis techniques used are in the form of data reduction, data presentation and conclusion drawing. The application of the 5C principle in murabahah financing at BPRS Bhakti Sumekar Sumenep assesses the seriousness and integrity of the debtor, measures the debtor's business activities and income, measures the amount of capital ownership in business activities, calculates the collateral owned by the customer and looks at and assesses the condition or circumstances of the customer, while the factors that cause problematic murabahah financing at BPRS Bhakti Sumekar Sumenep are in the form of unstable economic conditions, the physical condition of the customer and the factors of business activities are not supportive.

Evaluating the Effect of Mudharabah and Murabahah Financing on Return on Assets Mediated by Non-Performing Financing at BMT Hasanah Ponorogo

Introduction: This study explores how mudharabah and murabahah financing affect Return on Asset (ROA) and the role of Non-Performing Financing (NPF) as an intervening variable at BMT Hasanah Ponorogo. Research Methods: This study employs regression analysis with NPF as an intervening variable. The data analyzed are the quarterly financial reports of BMT Hasanah Ponorogo from 2019 to 2023, focusing on the relationships between mudharabah financing, murabahah financing, ROA, and NPF. Results: The analysis reveals that mudharabah and murabahah financing significantly impact ROA directly and through NPF as an intervening variable. An increase in financing can enhance ROA, with NPF mediating the relationship between financing and ROA. Conclusion: This study finds that mudharabah and murabahah financing affect ROA, with NPF as an intervening variable. Effective risk management in financing is crucial for improving ROA at BMT Hasanah Ponorogo.

Analisis Pengaruh Pricing, Kepercayaan, Dan Pelayanan Terhadap Keputusan Nasabah Pembiayaan Mikro Produk Murabahah (Study Kasus BSI Simpang Mulieng)

This research aims to determine the analysis of the influence of pricing, trust and service on customers' decisions to finance micro murabahah products (case study of BSI Simpang Mulieng). This researcher took a sample of 38 data from customers responding to micro murabahah financing products at BSI Simpang Mulieng in 2021-2023, which was collected using a total sampling technique and the data was measured using a Likert scale and processed with the help of SPSS 26. From the results of the research on the T test, pricing was obtained. (X1) has a positive effect on customer decisions (Y) regarding financing micro murabahah products at Bsi Simpang Mulieng. seen from the tcount value of 2.704 > ttable 2.032 and the significance value of 0.009 < 0.01. Trust (X2) has a positive effect on customer decisions (Y) on murabahah financing at Bsi Simpang Mulieng, seen from the t-count value of 2.222 > 2.032 and a significant value of 0.033 < 0.1. Service micro murabahah product financing at BSI Simpang Mulieng. Judging from the calculated f value > f table with a value of 38.975 > 2.88 with a significance value of 0.000 < 0.05. And the results of the coefficient of determination test (R2) show that the three independent variables (X1. margin and service quality and the remaining 24.5% are influenced by other variables not included in the research.

The Effect of Murabahah and Musyarakah Financing on Net Profit with Third Party Funds as a Moderating Variable at Bank 9 Jambi Syariah

### Abstract This study, titled "The Effect of Murabahah and Musyarakah Financing on Net Profit with Third Party Funds as a Moderating Variable at Bank 9 Jambi Syariah," aims to determine and analyze the impact of Murabahah financing on net profit at Bank 9 Jambi Syariah. Additionally, it seeks to examine the effect of Musharakah financing on net profit and to investigate whether third-party funds moderate these relationships. The research employs a quantitative descriptive analysis method, utilizing Moderated Regression Analysis (MRA). The study focuses on Bank 9 Jambi Syariah, analyzing data from the years 2012 to 2022. The results indicate that both Murabahah and Musharakah financing significantly affect net profit. However, while third-party funds do not moderate the effect of Murabahah financing on net profit, they do moderate the effect of Musharakah financing on net profit.

MURABAHAH FINANCING REPAYMENT OPTIMIZATION THROUGH 5C CREDIT ANALYSIS

This study investigates the impact of the 5C credit analysis principles (Character, Capacity, Capital, Collateral, and Conditions of Economics) on the smoothness of murabahah financing payments at KSPPS BMT ItQan Soreang Unit either simultaneously or partially. Micro, Small, and Medium Enterprises (MSE) often face challenges due to a lack of business capital, despite financial products introduced by institutions like Savings and Loans Cooperatives and KSPPS BMT. Persisting issues in payment smoothness necessitate a comprehensive examination, particularly in credit analysis. This research employs a quantitative approach with logistic regression tests on a sample of 101 respondents using statistical techniques such as regression analiysis, wald test, and omnibus test of model coefficients. This research highlights the importance of applying the 5C credit analysis principles to improve risk management, policy development, operational efficiency, and financial inclusion in murabahah financing at KSPPS BMT ItQan Soreang Unit. Findings from the Omnibus Test of Model Coefficients confirm that the 5C principles collectively impact payment smoothness. Moreover, the Wald test identifies Character, Capacity, and Conditions of Economics as significant contributors to the effectiveness of murabahah financing payments at KSPPS BMT ItQan Soreang Unit. This research highlights the importance of applying the 5C credit analysis principles to improve risk management, policy development, operational efficiency, and financial inclusion in murabahah financing at KSPPS BMT ItQan Soreang Unit.

Legal Consequences in Murabahah Agreement Litigation Dispute Resolution: Analysis of Forum Choice Clauses in District Courts

The development of Islamic banking in Indonesia, with the Murabahah financing contract dominating, is not free from disputes among the parties involved. Dispute resolution can be settled out of court (non-litigation), one of which can be through the National Sharia Arbitration Board (Basyarnas) and through the Religious Courts (litigation). Legislation has regulated the absolute authority of the institution responsible for litigation dispute resolution through Article 49 letter (i) of Law Number 3 of 2006, as amended in Law Number 50 of 2009 Regarding the Second Amendment of Law Number 7 of 1989 and Article 55 paragraph (1) of Law Number 21 of 2008 Regarding Islamic Banking, namely the Religious Court. A conflict of norms appears in the Murabahah financing contract, which still includes a clause for dispute resolution litigation in the District Court. This raises the first issue formulation regarding what the legal consequences are for the parties in the Murabahah financing contract with the choice of forum clause in the District Court when resolving litigation disputes and what choice of forum clause is stipulated in the Murabahah financing contract to provide a balanced position for the parties when resolving litigation disputes.

Risk Mitigation of Murabahah Financing for Teacher Certification at BPRS Metro Madani KCWest Garlic Bones

Murabahah financing for teacher certification is a form of financing based on sharia principles in order to help teachers to obtain certification as part of increasing their professional competence. This research journal aims to find out how risk management is implemented in murabahah financing for teacher certification (Sergu) and how banks try to deal with bad customer financing. The object of this research is PT. BPR Syariah Metro Madani KC Tulang Bawang Barat. The method used isqualitative approach, type of field research (Field Research). The results of this research arerisk control at PT. BPR Syariah Metro Madani KC Tulang Bawang Barat has been managed well and in accordance with Standard Operating Procedures (SOP), which includes risk identification, risk measurement, risk monitoring and risk control.Customers duplicate teacher certification, bank (payroll accounts), late disbursement of certification funds from the government, teachers or customers are fired from their jobs while the financing process is still pending, or the government revokes certification funds.Implementation of risk management at PT. BPR Syariah Metro Madani KC Tulang Bawang Barat has been carried out by PT. BPR Syariah Metro Madani KC Tulang Bawang Barat starting from the implementation of market risk handling, credit risk and operational risk has been implemented in accordance with the handling program procedures implemented by the bank, it has been implemented in accordance with the risks that arise, the target to be achieved in handling financing risk management has been achieved.