ANALISIS PERHITUNGAN DAN MEKANISME PENGAJUAN PEMBIAYAAN PADA AKAD MURABAHAH (Studi Kasus Pada PT. BPRS Kota Mojokerto KCP Pandaan)

Abstract

There are so many people in this global era who need a loan to buy consumptive goods or purchase productive goods that will be used as working capital. By applying for financing in BPRS, Mojokerto City, Pandaan Branch Office, the community can encourage economic improvement and social welfare of the community and must be managed properly by the financial institution.

The research method used for this study was interviews and literature studies. This type of research is a qualitative method with a descriptive approach, the data sources used are primary and secondary data. Primary data is obtained directly from sources where research activities take place, and secondary data is data obtained from books and other written documents.

The results showed that the mechanism for financing proposals in the Murabahah contract must go through several stages, namely checking customer file files by Customer Service, submitting files from Customer Service to Marketing, BI Checking, marketing surveys to customers, customer analysis by marketing, approval from branch heads, submitted files to the admin section and Disbursement of funds. For Calculation of Financing in the Murabahah Contract in BPRS Kota Mojokerto Pandaan Branch Office, operational in it uses sharia sale and purchase transactions where customers borrow a sum of money that might be used for investment, working capital financing and consumer financing, but in this case the the customer when using a murabahah contract, namely the basic price along with a predetermined margin by installments in accordance with the agreed time period.