Analisis Akad Pembiayaan Murabahah Pada Produk Dan Layanan PT BPRS Bhakti Sumekar
DOI:
https://doi.org/10.30651/jms.v6i2.7163Abstract
Dari banyaknya jenis pembiayaan dengan prinsip syariah, salah satu pembiayaan yang menjadi favorit nasabah bank syariah adalah pembiayaan murabahah, hal tersebut karena tingkat pengembalian murabahah sudah ditentukan dan tingkat resiko yang terbilang rendah. Tidak terkecuali di BPRS Bhakti Sumekar, dilihat dari laporan PT. tersebut pada tahun 2018 produk dengan pembiayaan murabahah menjadi produk yang paling digermari nasabahnya.
Penelitian ini bertujuan untuk mengetahui apa itu pembiayaan syariah dan apa saja produk dan layanan yang ada di BPRS Bhakti Sumekar yang menggunakan akad pembiayaan syariah. Penelitian ini adalah jenis penelitian kualitatif deskriptif dengan menggunakan studi pustaka. Hasil dari penelitian ini adalah produk atau layanan yang ditawarkan oleh BPRS Bhakti Sumekar maka dapat dilihat bahwa yang memakai akad pembiayaan murabahah antara lain: pembiayaan serba guna, pembiayaan modal kerja UMKM, pembiayaan kepemilikan rumah, pembiayaan sadar bersih, dan pembiayaan kepemilikan emas.
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