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ANALISIS PENENTUAN NISBAH BAGI HASIL PEMBIAYAAN MUSYARAKAH PADA BANK BNI SYARIAH CABANG MALANG

ISTIQOMAH, ISTIQOMAH (2012) ANALISIS PENENTUAN NISBAH BAGI HASIL PEMBIAYAAN MUSYARAKAH PADA BANK BNI SYARIAH CABANG MALANG. Other thesis, University of Muhammadiyah Malang.

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Abstract

This research is descriptive in Bank, its activity operations principled syariah, it is Bank BNI Syariah Malang Branch. Title of this study is: "Analysis of Profit Sharing Ratio Determination Musyarakah at Bank BNI Syariah Malang Branch. The purpose of this study was to describe the determination of the profit sharing ratio Musharakah financing agreement with Bank BNI Syariah Malang Branch. The method used was a qualitative analysis of conducting analyzes using the explanation or statement of a material object of research. Technical analysis of data covering the first, to analyze the determination of the profit sharing ratio policy contract Musharakah financing by way of identifying the factors to consider and analyze the profit sharing ratio calculation Musharakah financing agreement. Second, evaluate the implementation of Musharakah financing agreement with Bank BNI Syariah Malang Branch. Third, to prove compliance by comparing the execution of the contract Musharakah financing at Bank BNI Syariah Malang Branch by the National Fatwa Council of Sharia N0: 08/DSN-MUI/IV/2000 related to profit sharing ratio. The results showed that the policy of Bank BNI Syariah Malang Branch in determining the profit sharing ratio financing Musharakah contract is referring to the meeting of Bank BNI Syariah itself which described the target amount of financing and profit target financing to be obtained by considering the things as suggested from ALCO team that is taking into account the average profits of Islamic banking, the average interest rate of conventional banking, competitive targets for expected results provided to third parties, the direct costs associated in obtaining third-party funding and overhead costs and profit forecasts business or business financed and Bank BNI Syariah Malang Branch adapts to the market in determining the prevalence of profit sharing ratio Musharakah financing agreement. The calculation is the determination of the profit sharing ratio with customers by estimating profits from the sale of fresh milk, after which the Musharakah financing base rate fixed by the Bank BNI Syariah Malang Branch which is 15% multiplied by the number of customer loan financing divided by 12 months and the results will be shared with the results business profits receiving funding multiplied by 100%. From the results of these calculations is the ratio of the principal bank, but the bank of this calculation will not directly offer this ratio to the customers but the bank will offer a higher ratio than the ratio of the subject, so as to create a bargain between bank and customer, where the customer has previously 've done the calculations first. In the implementation of the contract Musharakah financing, the Bank BNI Syariah Malang Branch in determining the profit sharing ratio has a base rate financing to get the ratio corresponding base rate determined but the results will not be offered to recipients of financing, Bank BNI Syariah Malang Branch will offer a ratio of more height to create a bargain and the result banks will get a higher ratio than basic ratio calculations corresponding base rate financing which Bank BNI Syariah Malang Brach greatly benefited. Musharakah financing the implementation of the contract is in accordance with the MUI fatwa DSN. 08/DSN-MUI/IV/2000 the advantage, that advantage should be quantified explained clearly to avoid differences and disputes at the time of allocation of profits or termination of Musharakah is the profit sharing ratio in Bank BNI Syariah Malang Brach has a base rate as a reference for the calculation of the ratio results but the results of this calculation will be offered higher profit sharing ratio corresponding base rate to create bargaining between the two sides and created profit sharing ratio in accordance with the agreement.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economics > Department of Accounting (62201)
Depositing User: Halimatus Zahroh
Date Deposited: 14 Jan 2015 07:15
Last Modified: 14 Jan 2015 07:15
URI : http://eprints.umm.ac.id/id/eprint/14747

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