PENENTUAN METODE ANGSURAN MURABAHAH (Studi Kasus di BMT Al-Karomah Martapura)

Abstract

Abstract: This study aims to describe the practice of murabaha, and determination murabaha install- ment payment that used by BMT Al-Karomah Martapura. The object of this research is the determina- tion mechanism of murabaha installment payment method at BMT Al-Karomah in Martapura ob- tained through explanations of the managers of BMT Al-Karomah the Martapura. The method in this research is a field research, which is the author explore the data directly from the field in accordance with the problems studied. This research resulted several findings; First: Practice murabaha transactions at BMT Al-Karomah Martapura is based on order and is consumptive and in the settlement of payment by way of installments. Second: BMT Al-Karomah Martapura apply four methods for murabaha install- ment payments, namely: average profit margins, declining profit margins, flexible and voluntarily method.