Article Sidebar

Submitted
November 17, 2021
Accepted
February 9, 2022
Published
May 5, 2021
Download
PDF
Statistic
Read Counter : 96 Download : 429

Downloads

Download data is not yet available.

Main Article Content

Abstract

The only productive financing product developed by BMT Nurul Iman Bungi is financing for the procurement/sale of goods. This financing is intended for the community or customers in order to improve welfare, by helping to provide funds or lack of customer funds. Ba'i Bitsaman Ajil (BBA) financing transacts on the sale of goods by stating the cost and profit (margin) agreed upon by the seller (BMT) and the buyer (customer) whose payment can be made in installments or due. The purpose of the study is to find out how implementation and calculation mechanism for Bai' Bitsaman Ajil financing installments at BMT Nurul Iman Bungi.


The type of research used in this thesis is descriptive qualitative method, the data in this study were obtained from primary and secondary data. The data collection techniques used were observation, interviews, and documentation, while the data analysis techniques used were data reduction, data presentation and verification.


The results of this study indicate that: 1). In the implementation of Bai' Bitsaman Ajil financing, BMT is not a pure seller who provides goods for customers' needs, before making a Bai' Bitsaman Ajil contract to customers, BMT's position here is as a financing institution that provides funds. Bai' Bitsamanil Ajil (BBA) financing in practice adds a wakalah/representative contract in it to make it easier for both parties. 2). The mechanism for calculating the installments in Bai' Bitsaman Ajil financing is carried out in installments according to the agreement of both parties with the amount of installments adjusted to the ability of prospective customers to pay installments. The profit margin system used is a flat profit margin for monthly/weekly installments and an annuity profit margin for seasonal installments.

Keywords

Implementation, Bai' Bitsaman Ajil, Installments.

Article Details

How to Cite
Hasnina, H. (2021). Implementation of Bai’ Bitsaman Ajil Financing at BMT Nurul Iman Bungi, Pinrang Regency. BANCO: Jurnal Manajemen Dan Perbankan Syariah, 3(1), 1–22. https://doi.org/10.35905/banco.v3i1.2154
Download Citation
Endnote/Zotero/Mendeley (RIS)
BibTeX

References

  1. Albanjari, F. R., & Subagyo, R. (2019). Penerapan Sanksi Denda pada Pembiayaan Bai’ Bitsaman Ajil di Baitul Maal Wat Tamwil (BMT) Pahlawan Tulungagung atas Keterlambatan dalam Pembayaran Angsuran. JMK (Jurnal Manajemen Dan Kewirausahaan), 4(3). https://doi.org/10.32503/jmk.v4i3.595
  2. Amin, M. N. (2019). Peranan Baitul Maal Wat Tamwil (BMT) dalam Perberdayaan Usaha Mikro Kecil
  3. Menangah (UMKM) (Studi Kasus pada BMT UB Amanah Syariah Lau Dendeng). Ekonomi, 7(1). Budiono, A. (2017). PENERAPAN PRINSIP SYARIAH PADA LEMBAGA KEUANGAN
  4. SYARIAH. Law and Justice, 2(1). https://doi.org/10.23917/laj.v2i1.4337
  5. Hadziq, M. F., & Amelia, E. (2021). Analisis Faktor Internal Perusahaan dalam Efisiensi BMT di
  6. Indonesia Perspektif Syariah Compliance. Al-Huquq: Journal of Indonesian Islamic Economic Law, 3(1).
  7. https://doi.org/10.19105/alhuquq.v3i1.4178
  8. Harahap, S. A. R., & Ghozali, M. (2020). Peran Baitul Mal Wa Tamwil (BMT) dalam Pengembangan
  9. Ekonomi Umat. HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam, 7(1).
  10. Harmoyo, D. (2012). Manajemen Strategi Koperasi Jasa Keuangan Mikro Syariah (KJKS) Studi Kasus
  11. di Baitul Mal Wat tamwil (BMT) Syariah Sejahtera Boyolali. Muqtasid: Jurnal Ekonomi Dan
  12. Perbankan Syariah, 3(2). https://doi.org/10.18326/muqtasid.v3i2.299-317
  13. Huda, Nurul dkk. (2016). Baitul Maal Wa Tamwil : Sebuah Tinjauan Teotiris. Jakarta : Amzah
  14. Husaeni, U. A., & Dewi, T. K. (2019). PENGARUH PEMBIAYAAN MIKRO SYARIAH TERHADAP TINGKAT PERKEMBANGAN USAHA MIKRO KECIL MENENGAH (UMKM) PADA ANGGOTA BMT DI JAWA BARAT. Bongaya Journal for Research in Management (BJRM), 2(1). https://doi.org/10.37888/bjrm.v2i1.122
  15. Imanto, R., Maftukhatusolikhah, M., & Amri, U. (2021). Analisis peran pembiayaan BMT Syariah Al-
  16. Azhaar terhadap peningkatan kesejahteraan anggota perspektif Maqashid Syariah. Jurnal Paradigma
  17. Ekonomika, 16(4). https://doi.org/10.22437/jpe.v16i4.14641
  18. Indriani, M. V. (2018). Faktor Yang Mempengaruhi Keputusan Pedagang Dalam Menggunakan Pembiayaan Ba’i Bitsaman Ajil (BBA) Pada Lembaha Keuangan Mikro Syariah (Studi Pada BMT Sabilil Muttaqien Tanggamus). Jurnal Perbankan Syariah, 1(1).
  19. Marino, W. S., & Gunawan, G. G. (2021). Upaya Pengentasan Kemiskinan Melalui Layanan Lembaga Keuangan Mikro dan Program Pemberdayaan Perempuan di Kecamatan Rajapolah Kabupaten Tasikmalaya. Jurnal Inspirasi Bisnis Dan Manajemen, 4(2). https://doi.org/10.33603/jibm.v4i2.4222
  20. Melina, F. (2020). PEMBIAYAAN MURABAHAH DI BAITUL MAAL WAT TAMWIL (BMT).
  21. Jurnal Tabarru’: Islamic Banking and Finance, 3(2). https://doi.org/10.25299/jtb.2020.vol3(2).5878
  22. Melina, F., & Zulfa, M. (2020). Implementasi Pembiayaan Murabahah pada Baitul Mal Wat Tamwil (BMT) Kota Pekanbaru. Journal of Economic, Bussines and Accounting (COSTING), 3(2). https://doi.org/10.31539/costing.v3i2.1032
  23. Rezki Syahri Rakhmadi. (2019). Konsep Dan Penerapan Sistem Jaminan Pada Lembaga Keuangan
  24. Syariah. Madani Syari’ah, 2(4).
  25. Rukaesih A. Maolani dan Cahyana Ucu. (2015). Metodologi Penelitian Pendidikan. Jakarta: PT RajaGrafindo
  26. Persada.
  27. Rukin. (2019). Metodologi Penelitian Kualitatif. In Yayasan Ahmar Cendekia Indonesia. Sholahuddin, Muhammad. (2014). Lembaga Keuangan dan Ekonomi Islma. Yogyakarta : Ombak.
  28. Sjahdeini , Sutan Remy. (2014). Perbankan Syariah Produk-produk dan Aspekaspek Hukumnya. Jakarta: Cendekia
  29. Sudjana, K., & Rizkison, R. (2020). Peran Baitul Maal Wat Tamwil (BMT) dalam Mewujudkan Ekonomi Syariah yang Kompetitif. Jurnal Ilmiah Ekonomi Islam, 6(2). https://doi.org/10.29040/jiei.v6i2.1086
  30. Tunai, P. W., & Syariah, L. K. (2020). Pengelolaan Waqaf Tunai di Lembaga Keuangan Syariah. Jurnal
  31. Prodi Ekonomi Syari’ah, 3(2).
  32. Zuliani, R. (2014). ANALISIS PENGUJIAN KELAYAKAN PEMBIAYAAN BAI"TM BITSAMAN AJIL DALAM MEREDUKSI TINGKAT PEMBIAYAAN BERMASALAH PADA BAITUL QIRADH BAITURRAHMAN BAZNAS MADANI. Share: Jurnal Ekonomi Dan Keuangan Islam,
  33. (2). https://doi.org/10.22373/share.v3i2.1337