An analysis on Murabahah Applied in BTN Malang Branch

ABSTRACT

Based on the syariah bank progress, this research is held. It is specified on the murabahah financing. The murabahah is one of the financing products that based on the Islamic trading principle that is preeminence the honest between the seller and the buyer. According to the definition of murabahah, the researcher focuses on the transparency which has strong relation with it. This research investigates the transparency process in BTN Syariah including the transparency pre-akad, akad and after akad.

To answer the focused problem of the research which has to know about the application and the problem of Murabahah applied in BTN Syariah especially on its transparency, this research is designed using qualitative method. To collect the data the researcher uses interview, observation and documentation, while for verifying data the researcher uses source triangulation and method triangulation. The data collected and verified is analyzed using Miles and Hubberman analysis method. The research result is described in narration, table, picture and audio visual description.

Based on the methodology described above the researcher concludes that murabahah transparency is done well in BTN Syariah Malang Branch, even it is found many problem on it. The problem found is identified on pre akad, on akad and before akad. the problem on pre akad is found around the bank explanation and the client understanding, the akad problem is found around the akad reading and the akad signing while the after akad problem is found around the accelerate payment formula. To solve the problem the researcher completes the thesis with the recommendations for BTN Syariah Malang Branch not only that the researcher also give some recommendations for next researcher to improve this thesis further.