Mekanisme Penyelesaian Piutang Murabahah Bagi Nasabah Yang Tidak Mampu Bayar

Abstract

The purpose of this study is to analyze the mechanism for solving murabahah for customers who cannot afford to pay. The research method used is a qualitative research method. The type of qualitative research method used is non-interactive qualitative, that is, research on concepts through a document analysis.  Murabahah financing is a transaction of selling goods that states the acquisition price and profit (margin) agreed upon by the seller and buyer. The seller must tell the price of the product he purchased and determine a level of profit in addition. If the customer does not have good faith, BMT Rindu Alam conducts deliberations with the customer's family.  If through the musyarawah road no good results are found, then BMT Rindu Alam offers to sell assets owned by customers and petrifies them to sell them. If the proceeds from the sale exceed the obligations that must be paid, BMT Rindu Alam will return the excess from the sales. And if it is still less than the obligation that must be paid by the customer, then the customer must pay back the rest.