Page Header Logo

Cover Page

Journal Content
Browse
  • By Issue
  • By Author
Information
  • For Readers
  • For Authors
  • For Librarians
Current Issue
Atom logo
RSS2 logo
RSS1 logo
  • About the Journal
  • Aims and Scope
  • Submission
  • Author Guidelines
  • Review Process
  • Privacy Statement
  • Article Processing charges
  • Publication Ethics
  • Open Access
  • Copyright and License
  • Archive Policy
  • Plagiarism Policy

Template Cover Page Cover Page
Similarity Checker

Cover Page

Member of

Cover Page

Statistics


Flag Counter

  • Home
  • Current
  • Announcement
  • Archive
  • Editorial Team
  • Reviewers
  • Contact us
  • Search
Home > Articles

Pengawasan sebagai Upaya dalam Pencegahan Pembiayaan Murabahah Bermasalah

  • Anri Akta Perdana Siregar
    Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sumatera Utara Medan

  • Mustapa Khamal Rokan
    Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sumatera Utara Medan

  • Budi Harianto
    Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sumatera Utara Medan


DOI: https://doi.org/10.37034/infeb.v5i3.697
Keywords: Murahabah, Banking, Financing Supervision, Capital, Shariah

Abstract

This study aims to analyze the dominant factor of Monitoring (Monitoring) as an Effort in Preventing Problematic Cheap-Based Financing KCP BSI Medan Marelan. The method used is the quantitative method, using a sample of 10 employees, the X variable is 7B and 1S and the Y variable is the supervision of cheap financing, the data collection technique used is the Likert Scale angle with data analysis techniques using factor analysis Barlett's sphericity test and Kiser-Mayer-Olkin (KMO) and the test by interpreting factors (minimum factor loading 0.4) was carried out with IBM SPSS 27 for windows. The results obtained are 2 factors are formed for monitoring (monitoring) including primary factors and factor 2 is given the name of secondary factors; the most dominant factor is the primary factor which includes character; capital, capacity and economic conditions. It can be interpreted that in carrying out protection efforts in preventing low-cost problem financing at the BSI Marelan KCP prioritizing personal and social customer relationships, business economics and conditions or business trips carried out by clients.

Downloads

Download data is not yet available.

References

Fatimah, S., & Suharto, T. (2020). Pelaksanaan Pengawasan dan Pembinaan Pembiayaan Murabahah Bermasalah di KSPPS BMT Husnul Aulia Ciledug. BANCO: Jurnal Manajemen Dan Perbankan Syariah, 2(1), 81–94. DOI: https://doi.org/10.35905/banco.v2i1.1001 .

Panetir Bungkes, & Sahyuli, M. (2021). Mekanisme Pengawasan Pembiayaan Murabahah Sebagai Upaya Meminimalisir Pembiayaan Bermasalah Pada PT. Bank Syariah Mandiri Kantor Cabang Pembantu (KCP) Takengon. Jurnal Penelitian Ekonomi Akuntansi (JENSI), 5(1), 68–75. DOI: https://doi.org/10.33059/jensi.v5i1.3519 .

Istutik, I., & Putri, L. E. (2020). Analisis Kinerja Pengelolaan Pembiayaan Murabahah dan Musyarakah Pada Bank BRI Syariah KCP Kepanjen. Adbis: Jurnal Administrasi Dan Bisnis, 14(2), 77. DOI: https://doi.org/10.33795/j-adbis.v14i2.93 .

Wulandari, R., & Tholhah, M. (2018). Implementasi Pembiayaan dengan Akad Murabahah di Koperasi Sembada Guna Syariah Takeran. Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah, 2(2). DOI: https://doi.org/10.30651/justeko.v2i2.2482 .

Hana, K. F., & Andriani, F. N. (2022). Non Performing Finance: Bagaimana Pengawasan Pembiayaan di Baitul Maal Wa Tamwil?. Al-Mal: Jurnal Akuntansi dan Keuangan Islam, 3(1), 35–52. DOI: https://doi.org/10.24042/al-mal.v3i1.11298 .

Fitriyani Panjaitan, & Andri Soemitra. (2021). Analisis Pembiayaan Dengan Prinsip Murabahah Pada PT. Bank Sumut Syariah Cabang Medan. Manajemen, 1(2), 162–166. DOI: https://doi.org/10.51903/imk.v1i2.91 .

Elwardah, K., & Khayati, M. (2019). Peran Dewan Pengawas Syariah terhadap Penetapan Margin Murabahah Pada PT Bank Pembiayaan Rakyat Syariah Safir Bengkulu. Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah, 3(1). DOI: https://doi.org/10.29300/ba.v3i1.1475 .

Ryski Pebriana, & Rofik Efendi. (2019). Analisis Manajemen Pembiayaan Murobahah BMT. Wadiah, 3(1), 85–108. DOI: https://doi.org/10.30762/wadiah.v3i1.3004 .

Fauzan, E. D. F. (2019). Persepsi Manajer Terhadap Putusan Pembatalan Akad Murabahah Dan Fungsi Dewan Pengawas Syariah. Dusturiyah: Jurnal Hukum Islam, Perundang-Undangan dan Pranata Sosial, 8(2). DOI: https://doi.org/10.22373/dusturiyah.v8i2.4363 .

Nurasikin, A. (2021). Tinjauan Hukum Ekonomi Syar’ah: Take Over Pembiayaan Mikro Bank Syari’ah. Iqtisad: Reconstruction of Justice and Welfare for Indonesia, 8(2), 187. DOI: https://doi.org/10.31942/iq.v8i2.5674 .

Suryanto, S., Dai, R. M., & Nursetyani, E. (2019). Pembiayaan Murabahah Bermasalah. Jurnal Ilmu Keuangan dan Perbankan (JIKA), 7(1). DOI: https://doi.org/10.34010/jika.v7i1.1906 .

Tiyasasih, D. A. (2017). Perbedaan Penafsiran Dalam Implementasi Fatwa Nomor 23/2002 Tentang Potongan Pelunasan Pada Akad Murabahah: Studi Perbandingan Lembaga Bank di Kota Malang. JURISDICTIE, 8(1), 1. DOI: https://doi.org/10.18860/j.v7i3.4324 .

Nabila, N., Jalaluddin, A., & Desyana Pratami, B. (2023). Efforts to Solve Problematic Murabahah Financing at KSPPS BMT Mitra Umat Pekalongan Krapyak Branch in 2021. El Hisbah: Journal of Islamic Economic Law, 2(2), 44–67. DOI: https://doi.org/10.28918/el_hisbah.v2i2.6688 .

Prabowo, B. A. (2020). Reputation Oversight by the Sharia Supervisory Board Toward Wakalah Contract Application on Murabahah Financing. Atlantis Press. DOI: https://doi.org/10.2991/assehr.k.200529.164 .

Nizar, M. (2015). Implementasi Pembiayaan Murabahah dalam Meningkatkan Profitabilitas. An-Nisbah: Jurnal Ekonomi Syariah, 2(1). DOI: https://doi.org/10.21274/an.2015.2.1.227-256

Zubir, Z., Muhazir, M., & Wahyudani, Z. (2023). Akad al-Ijarah al-Mausufah fi al-Żimmah in Sharia Banking in Aceh: A Study of Home Ownership Finance. Justicia Islamica, 19(2). DOI: https://doi.org/10.21154/justicia.v19i2.3653 .

Anwar, S., Baehaqi, B., & Sulistyowati, S. (2023). Analisa Akad Hutang Piutang Yang Diterapkan Pada Baitul Maal Wa Tamwil (Bmt) Makmur Mandiri Periode Tahun 2019-2021. AL HUKMU: Journal of Islamic Law and Economics, 1–6. DOI: https://doi.org/10.54090/hukmu.104 .

Rahmat, A. (2017). Murabahah Financing And Its Implementation For the Economic Empowerment of the Ummah. IKONOMIKA, 2(2), 149. DOI: https://doi.org/10.24042/febi.v2i2.1835 .

Aisjah, S., Prabandari, S. P., & Hamid, W. (2022). Sustainability Factors of Sharia Banks in Indonesia. Quality - Access to Success, 23(190), 384–390. DOI: https://doi.org/10.47750/QAS/23.190.40 .

Irmadariyani, R., Roziq, A., & Aprillianto, B. (2022). Prediction Model of Murabahah Financing Performance in Sharia Cooperatives. Quality - Access to Success, 23(187), 244–250. DOI: https://doi.org/10.47750/QAS/23.187.30 .

Download
Published
2023-09-18
Issue
Vol. 5, No. 3 (September 2023)
Section
Articles
How to Cite
Siregar, A. A. P., Rokan, M. K., & Harianto, B. (2023). Pengawasan sebagai Upaya dalam Pencegahan Pembiayaan Murabahah Bermasalah. Jurnal Informatika Ekonomi Bisnis, 5(3), 972-976. https://doi.org/10.37034/infeb.v5i3.697
  • ACM
  • ACS
  • APA
  • ABNT
  • Chicago
  • Harvard
  • IEEE
  • MLA
  • Turabian
  • Vancouver
Download Citation
  • Endnote/Zotero/Mendeley (RIS)
  • BibTeX
Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.



Indexing and Abstractions:

Published:

       Creative Commons License
       This work is licensed under a Creative Commons Attribution 4.0 International Public License (CC BY 4.0).