ANALISIS MEKANISME TERHADAP PEMBIAYAAN MIKRO DENGAN AKAD MURABAHAH DI PT. BANK SYARIAH MANDIRI BRANCH OFFICE BULELENG

Abstract

PT. Bank Syariah Mandiri Branch Office Buleleng is a financial institution in the form of a non-public bank by using syariah principles in its operations, standing in a strategic place near an easly accessible highway for the community, and have a vision and mission that can advance it. This study discusses how the implementation and analysis terhadap mekanisme pembiayaan mikro with akad murabahah di PT. Bank Syariah Mandiri Branch Office Buleleng. Data obtained then analyzed using descriptive analysis method. This research resulted in the implementation of micro financing mechanism with murabaha scheme of PT. Bank Syariah Mandiri Branch Office Buleleng consisting of opening, settlement and closing involves financing customers with customer service employees, account offices, and tellers, as well as directors with simple and easy grooves. The mechanism is similar to the mechanism used by other banks, but there are only some differences and modifications