Pengaruh Penerapan Margin Pada Pembiayaan Murabahah di BMT Raudhah

Authors

  • Gempa Gunawan Universitas Islam Negeri Sumatera Utara

DOI:

https://doi.org/10.30651/jms.v9i1.21495

Abstract

Tujuan penelitian ini adalah untuk: 1) memahami mekanisme margin dalam kontrak pembiayaan murabahah di BMT Raudhah Medan Selayang; dan 2) memahami mekanisme margin dalam hal strategi margin di BMT Raudhah Medan Selayang. Penelitian ini dilaksanakan di BMT Raudhah Medan Selayang dengan menggunakan metodologi kualitatif dan analisis deskriptif, dimana kehadiran peneliti di lapangan sangat penting. Data yang tersisa untuk penelitian ini berasal dari dokumen; Sumber data utama adalah kata-kata dan tindakan. Data penelitian ini dikumpulkan dengan menggunakan teknik observasi, wawancara, dan dokumentasi. Metode analisis data penelitian ini meliputi reduksi data, visualisasi data, dan kesimpulan/verifikasi. Hasil penelitian yang dilakukan di BMT Raudhah Medan Selayang menunjukkan bahwa, 1) penerapan Sistem margin pada Produk Pembiayaan Murabahah di BMT Raudhah Medan Selayang ditentukan berdasarkan persentase dari jumlah pembiayaan atau modal yang diinvestasikan, 2) sistem margin yang dilakukan di BMT Raudhah Medan Selayang jika dilihat dari prinsip murabahah dan hukum Islam sudah sesuai,  karena BMT ditentukan berdasarkan persentase dari jumlah modal.

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Published

2024-01-16

How to Cite

Gempa Gunawan. (2024). Pengaruh Penerapan Margin Pada Pembiayaan Murabahah di BMT Raudhah. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 9(1). https://doi.org/10.30651/jms.v9i1.21495

Issue

Vol. 9 No. 1 (2024)

Section

Artikel

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