Penyelesaian Pembiayaan Bermasalah pada Akad Murābaḥah di BMD Syariah Barat Magetan

Abstract

This research focuses on discussing the resolution of problematic financing in murābaḥah contracts at BMD Syariah Barat Magetan which is then analyzed and compared with the MUI DSN Fatwa and analyzes the effectiveness of the settlement mechanism. The research method used in this research is a qualitative field research method. The results of the research explain that the rescheduling stage accompanied by direct billing to the customer's home carried out by BMD Syariah Barat Magetan in the process of resolving problematic financing in murābaḥah contracts is in accordance with the MUI DSN Fatwa. Financing problems that occurred in this murābaḥah contract were caused by internal factors (coming from the management of BMD Syariah Barat Magetan) and external factors (coming from the customers themselves). However, in this research, we succeeded in finding a method/strategy which can be said to be effective. This is proven by the decrease in the number of problematic financing in murābaḥah contracts which then has an impact on reducing the cash minus of BMD Syariah Barat Magetan.