ANALISIS PERBEDAAN PEMBIAYAAN MURABAHAH BANK SYARIAH MANDIRI DAN BMT “X” DI PEKANBARU

Authors

  • Hamdi Agustin Fakultas Ekonomi, Universitas Islam Riau
  • Hastri Febria Fakultas Ekonomi, Universitas Islam Riau

DOI:

https://doi.org/10.25299/jtb.2019.vol2(1).3459

Keywords:

Pembiayaan, Murabahah, Bank Syariah, BMT

Abstract

Tujuan penelitian ini adalah untuk menginvestigasi perbedaan sistem pembiayaan murabahah pada Bank Syariah Mandiri dengan BMT “X” Cabang Pekanbaru. Adapun menjadi sampel pada penelitian ini adalah Bank Syariah Mandiri dan BMT “X” Cabang Pekanbaru. Metode pengumpulan data langsung dengan pihak berwenang dalam memberikan informasi perusahaan melalui wawancara. Hasil penelitian menunjukkan bahwa ada beberapa perbedaan dalam sistem pembiayaan KPR antara Bank Syariah Mandiri dengan BMT “X” cabang Pekanbaru. Diantaranya adalah perbedaan dalam penentuan margin, perhitungan angsuran, angsuran default (macet) dan mark-up margin.

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Published

2019-05-01