Analisis Produk Pembiayaan Murabahah pada BMT dalam Meningkatkan Pendapatan Nasabah

Studi Kasus Pada BMT “Mandiri Ukhuwah Persada” Jawa Timur

Abstract

This paper aims to find out: (1) how is the application of financing products of mura>bah}ah BMT "Mandiri Ukhuwah Persada" East Java ?; and (2) how is the analysis of mura>bah}ah financing products in increasing customer income at the "Mandiri Ukhuwah Persada" BMT in East Java? At the end of this paper, the author concludes two things. First, in its application, the financing product of mura>bah}ah in BMT "Mandiri Ukhuwah Persada" is considered to be incompatible with the provisions in the fatwa DSN, because the product is mura>bah}ah in BMT "Mandiri Ukhuwah Persada" uses the contract mura>bah}ah bi al-kala>m, in which the BMT authorizes the customer to purchase the goods on behalf of the customer and the contract for>bah}ah bi al-kala>m is done verbally. YOUNG BMT only applies the principle of trust to customers and there is no supervision conducted by BMT. Second, mura>bah}ah financing products provided to the public, especially traders who lack capital, so they have no difficulty in finding loans. Because with the increase in capital, the business has also progressed, namely an increase in revenue, production and performance.