IB Hijrah KPR Financing Mechanism with Murabahah Akad at Bank Muamalat
Abstract
This research aims to comprehend the mechanism of financing for Islamic Home Ownership Credit (Kredit Pemilikan Rumah - KPR), particularly KPR IB Hijrah, and seeks solutions to address financing issues arising through the application of the murabahah contract at Bank Muamalat Bengkulu Kc S. Parman. The research method employed is field research with a qualitative descriptive approach. Data were gathered through observation, interviews, and documentation. The study concludes that the KPR IB Hijrah financing process involves stages such as application submission, fulfillment of requirements, scrutiny of document prerequisites, financing approval, and the execution of the murabahah contract. Customer responses to the financing mechanism indicate a clear understanding of requirements and administrative costs. To address emerging financing problems, the researcher recommends several solutions. Firstly, a direct approach to customers to provide a deeper understanding of the issues they face. Secondly, proactive and periodic debt collection efforts to prevent payment delinquencies. Additionally, issuing warning letters can serve as an initial step in resolving issues. In more complex cases, restructuring of financing is suggested as an alternative solution. Finally, if necessary, collateral execution can be implemented as a last resort in resolving problematic financing.
References
Delddy Seltyawan. (2020). ELfelktivitas Pelnyaluran Pelmbiayaan Kreldit Pelmilikan Rumah (KPR) Pada Pelrumahan Belrsubsidi Delngan Akad Murabahah BRI Syariah Kantor Cabang Sidoarjo. Skripsi:(Univelrsitas Islam Nelgelri Sunan Ampell)
Dr. H. Zuchri Abdussamad, S.I.K., M. S. (2021). Meltodel Pelnellitian Kualitatif.
ELlysia, N. (2016). Analisis Sistelm Pelnelrapan Profit Sellling Pada Akad Murabahah Dan Musyarakah Mutanaqisah Dalam Melnyalurkan Kreldit Pelmilikan Rumah (Kpr) Studi Kasus : Pt. Bank Muamalat Indonelsia Tbk Kantor Cabang Malang. Skripsi:Univelrsitas Islam Nelgelri Maulana Malik Ibrahim Malang
Farikhah, I. N. (2018). Implelmelntasi Pelran dan Fungsi Delwan Pelngawas Syariah (DPS) pada Kopelrasi Simpan Pinjam Pelmbiayaan Syariah (KSPSS) (Study Kasus di Forum Kopelrasi Syariah Bojonelgoro) [Thel implelmelntation of rolel and functions of Sharia Supelrvisory Board at Islamic Financial Coopelration, Casel Study at Bojonelgoro]. (Bachellor), Univelrsitas Islam Nelgelri Walisongo, Selmarang. Reltrielveld from
Felbrianto, R. A. (2022). Stratelgi Pelmasaran Kreldit Pelmilikan Rumah (Kpr) Pada Pt. Bank Muamalat Indonelsia, Tbk. Cabang Meldan Solo. Skripsi:Institut Agama Islam Nelgelri Ponorogo
Helykal, M. (2014). Analisis Tingkat Pelmahaman KPR Syariah pada Bank Syariah di Indonelsia: Studi Pelndahuluan. Jurnal Binus Businelss Relvielw
Iltiham, M. F. (2020). Melkanismel Pelnelntun Margin Pelmbiayaan Murabahah Di Lelmbaga Keluangan Syariah. Jurnal ELkonomi Islam
Muhammad Rizal Satria dan Tia Seltiani. (2018). Analisis Pelrbandingan Pelmbelrian Kreldit Pelmilikan Rumah (Kpr) Pada Bank Konvelnsional Delngan Pelmbiayaan Murabahah (Kpr) Pada Bank Syariah (Studi Kasus Pada Bank BJB delngan Bank BJB Syariah). Amwaluna: Jurnal ELkonomi Dan Keluangan Syariah
Qomar, M. N. (2018). Mudharabah as thel Islamic Financing Product from thel pelrspelctivel of Abdullah Saeleld/Mudharabah Selbagai Produk Pelmbiayaan Pelrbankan Syariah Pelrspelktif Abdullah Saeleld. Journal of Islamic Banking and Financel, 2(2), 10.
Seltiawan, R. A. (2023). Avoidancel of Riba -Baseld Loans and ELnhancelmelnt of Quality of Lifel : An Indonelsian Contelxt Analysis. Jurnal: Slamic ELconomics and Businelss
Seltiawan, R. A. (2023). Thel Futurel of Islamic Banking and Financel in Indonelsia: Pelrformancel, Risk and Relgulation. London: Routleldgel.
Sihotang, F. H. K. dan S. S. dan R. Y. A. I. dan S. (2023). Studi Pelrbandingan Kreldit Pelmilikan Rumah Syariah delngan Kreldit Pelmilikan Rumah Konvelnsional. Jurnal Karimah Tauhid
The authors who publish in the journal agree to the following terms:
- The authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- The authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- The authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
- The authors warrant that the article is original, written by stated author(s), has not been published before, contains no unlawful statements, does not infringe the rights of others, is subject to copyright that is vested exclusively in the author and free of any third-party rights, and that any necessary written permissions to quote from other sources have been obtained by the author(s).
Jurnal Ekonomi dan Bisnis Manajemen Syariah (SEMB-J), Yayasan Darussalam Bengkulu is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. Based on a work at https://siducat.org/index.php/sembj/.
