| dc.contributor.advisor | ROZIKAN, ROZIKAN | |
| dc.contributor.author | ZAKI, MUAMMAR | |
| dc.date.accessioned | 2019-10-10T07:03:23Z | |
| dc.date.available | 2019-10-10T07:03:23Z | |
| dc.date.issued | 2019-03-13 | |
| dc.identifier.uri | http://repository.umy.ac.id/handle/123456789/29606 | |
| dc.description | Mandiri Sharia Bank (BSM) is one of banking institutions in Indonesia that implements sharia principles and take the function of raising fund from society as well as channeling the fund back to society. One of the highly demanded products BSM provides is Gold Installment. BSM Gold Installment is facility provided by BSM to help society finances the purchase/ownership of a gold bar in a feasible and beneficial way. Thus, the researcher is interested to conduct a research on the particular product and also to analyze it using Fatwa DSN-MUI. There are several core issues in the research, such as: first, how is the implementation of BSM Gold Installment product at branch office Indramayu, and second, whether the covenant implementation of BSM Gold Installment product at branch office Indramayu has been in line with Fatwa DSN MUI No: 77/DSNMUI/V/2010 on non-cash gold purchasing and selling. The type of the research used in this graduation paper was field research which took the setting at BSM branch office Indramayu using qualitative approach. The data sources in the research were primary and secondary data compiled through interview and documentation. The compiled data was then analyzed using descriptive analysis method. From the research, it can be concluded that the implementation of BSM Gold Installment product financing at BSM branch office Indramayu consisted of several phases starting from requirement filling, collateral valuation, financing decision, covenant implementation and financing disbursement. Further, the covenant implemented in BSM Gold Installment product was Murabaha (buying and selling) covenant where the bank acted as the seller that made the gold payment in advance while the customer acted as the buyer who pay the gold in 2-5 years installment, the collateral binding was done through rahn (mortgage) covenant where the bank suspended the gold for the agreed time. The implementation of this BSM Gold Installment product was guided by Fatwa No: 77/DSN-MUI/V/2010 on non-cash gold purchasing and selling. | en_US |
| dc.description.abstract | Mandiri Sharia Bank (BSM) is one of banking institutions in Indonesia that implements sharia principles and take the function of raising fund from society as well as channeling the fund back to society. One of the highly demanded products BSM provides is Gold Installment. BSM Gold Installment is facility provided by BSM to help society finances the purchase/ownership of a gold bar in a feasible and beneficial way. Thus, the researcher is interested to conduct a research on the particular product and also to analyze it using Fatwa DSN-MUI. There are several core issues in the research, such as: first, how is the implementation of BSM Gold Installment product at branch office Indramayu, and second, whether the covenant implementation of BSM Gold Installment product at branch office Indramayu has been in line with Fatwa DSN MUI No: 77/DSNMUI/V/2010 on non-cash gold purchasing and selling. The type of the research used in this graduation paper was field research which took the setting at BSM branch office Indramayu using qualitative approach. The data sources in the research were primary and secondary data compiled through interview and documentation. The compiled data was then analyzed using descriptive analysis method. From the research, it can be concluded that the implementation of BSM Gold Installment product financing at BSM branch office Indramayu consisted of several phases starting from requirement filling, collateral valuation, financing decision, covenant implementation and financing disbursement. Further, the covenant implemented in BSM Gold Installment product was Murabaha (buying and selling) covenant where the bank acted as the seller that made the gold payment in advance while the customer acted as the buyer who pay the gold in 2-5 years installment, the collateral binding was done through rahn (mortgage) covenant where the bank suspended the gold for the agreed time. The implementation of this BSM Gold Installment product was guided by Fatwa No: 77/DSN-MUI/V/2010 on non-cash gold purchasing and selling. | en_US |
| dc.publisher | FAKULTAS AGAMA ISLAM UNIVERSITAS MUHAMMADIYAH YOGYAKARTA | en_US |
| dc.subject | Gold Installment, Islamic Law, Gold Murabaha, financing | en_US |
| dc.title | ANALISIS IMPLEMENTASI FATWA DSN MUI NO 77/DSN-MUI/V/2010 TENTANG CICIL EMAS AKAD MURABAHAH PADA PRODUK CICIL EMAS DI BANK SYARIAH MANDIRI (KCP) INDRAMAYU | en_US |
| dc.type | Thesis
SKR
FAI
049 | en_US |
