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Prosedur Pemberian Pembiayaan Murabahah Pada Baitul Mal Wat Tamwil (Bmt) Taqwa Muhammadiyah Padang

Author

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  • Suryani, Aulia
  • Afriyeni, Afriyeni

Abstract

Adapun tujuan dari penulisan penelitian ini adalah untuk memahami dan mengetahui bagaimana prosedur dalam pelaksanaan pembiayaan murabahah pada BMT Taqwa Muhammadiyah. Dalam menganalisa data, penulis menggunakan metode analisa data kualitatif sebagai metode penelitian yang menjelaskan secara deskriptif mengenai prosedur pemberian pembiayaan pada BMT Taqwa Muhammadiyah Padang. Hasil Penelitian Prosedur Pemberian Pembiayaan Murabahah BMT Taqwa Muhammadiyah Padang yaitu terlebih dahulu calon nasabah mengisi formulir permohonan pembiayaan, kemudian diperiksa kelengkapan administrasi calon nasabah oleh Administrasi Pembiayaan, setelah itu maka dilakukan survei oleh Kepala Cabang dengan Kepala Pembiayaan atau Kepala Pembiayaan dengan Account Officer, kemudian data-data yang di dapat dari hasil survei di analisa oleh Kepala Pembiayaan, setelah dilakukan analisa maka diambilah keputusan diterima atau ditolaknya permintaan pembiayaan, bila permintaan calon nasabah dianggap layak maka dikeluarkan Surat Persetujuan Pasilitas Pembiayaan (SP3), jika calon nasabah sepakat dengan SP3 maka dilakukan penandatanganan aqad pembiayaan, setelah itu maka nasabah bisa mengambil dana yang dibutuhkan.

Suggested Citation

  • Suryani, Aulia & Afriyeni, Afriyeni, 2019. "Prosedur Pemberian Pembiayaan Murabahah Pada Baitul Mal Wat Tamwil (Bmt) Taqwa Muhammadiyah Padang," OSF Preprints 3yjbq, Center for Open Science.
    • Handle: RePEc:osf:osfxxx:3yjbq
    DOI: 10.31219/osf.io/3yjbq
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