Aprida, Shalihatul and Hidayah, Khusnul (2019) ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENETAPAN MARGIN PADA PEMBIAYAAN MURABAHAH DI BMT BINA IHSANUL FIKRI YOGYAKARTA. Bachelor thesis, Universitas Ahmad Dahlan.
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Abstract
Murabaha financing products are the most sought after products in Islamic financial institutions, because the risks posed are considered lower and the system used is easy and simple. The purpose of this study was to determine the characteristics of murabahah financing products and what factors influence the determination of margins on murabahah financing products at BMT Bina Ihsanul Fikri Yogyakarta. This type of research used in this study is qualitative research. Data obtained through interviews, observation, and documentation. From the data that has been collected, the validity is then tested and analyzed using data reduction, data display, and drawing and drawing conclusions, and the data validity techniques include the degree of credibility, transferability, dependability, and confirmability. The results of this study are the first characteristics of murabaha financing in terms of; (a) contract, using a sale and purchase agreement; (b) term and return, 24 months for new customers and 36 months for old customers; (c) down payment, BMT can ask customers; (d) collateral, BMT has the right to request collateral from customers; (e) costs, BMT charges 0.5% for CPP fees, and 1% for administrative costs; (f) installment payments and profit margins are determined at the beginning of the contract based on an agreement and do not change during the financing period. Second, the policy in applying margins uses the fixed rate using the flate rate method. Third, the factors that influence the determination of profit margins are (a) Operating Costs; (b) Risk of Cost; (c) The average level of market margins; (d) Profit targets; (e) Proportion of profit sharing from Third Party Funds.
| Item Type: | Thesis (Bachelor) |
|---|---|
| Subjects: | H Social Sciences > HG Finance |
| Divisi / Prodi: | Faculty of Economics (Fakultas Ekonomi) > S1-Accounting (S1 Akuntansi) |
| Depositing User: | publikasi uad |
| Date Deposited: | 28 Sep 2019 07:38 |
| Last Modified: | 28 Sep 2019 07:38 |
| URI: | http://eprints.uad.ac.id/id/eprint/15032 |
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