ANALISIS PEMBERIAN PEMBIAYAAN MURABAHAH PADA BAITUL MAAL WATTAMWIL (BMT)AMMA MALANG

WAHYUNI, SRI INDAH (2009) ANALISIS PEMBERIAN PEMBIAYAAN MURABAHAH PADA BAITUL MAAL WATTAMWIL (BMT)AMMA MALANG. Other thesis, University of Muhammadiyah Malang.

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Abstract

Title: “Analysis of Murabahah Cost at Baitul Maal Wattamwil (BMT) AMMA Malang” (Researcher: Sri Indah Wahyuni, Advisor I: Dra. Hj. Siti Zubaidah, MM.Ak., Advisor II: Drs. Setu Setyawan, MM) The research aimed to find out policy, procedure, and margin calculation of murabahah cost for customer at Baitul Maal Wattamwil (BMT) AMMA Malang. Analytical tool used was descriptive analysis about policy, procedure in giving payment to customer and margin calculation. Policy used was 5C principles, they were: character, capacity, capital, collateral, and condition of economic; procedures used from bundles presentation to fund distribution, in deciding margin there was an equation: buying price + margin = selling price. From the analysis of BMT AMMA policy in giving murabahah cost to the customer still using 5C principle, but also used trust or honesty of the guarantor, procedure was well since there was flowchart, and for margin determining, there was no absolute number and the customer still able to bargain it, the most important thing was deal and sincerity of both parties. So that the policy, procedure, and margin calculation in giving murabahah cost to the customer at BMT AMMA was well and proper as syari’ah principle in Islamic law.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Accounting
Depositing User: Anggit Aldila
Date Deposited: 06 Jul 2012 03:51
Last Modified: 06 Jul 2012 03:51
URI: http://eprints.umm.ac.id/id/eprint/11274

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