Analisis Efektifitas Pembiayaan Murabahah pada PT. Bank Sumut Cabang Medan

Abstract

This study aims to find and obtain concrete evidence about the effectiveness of murabahah financing at PT. Bank SUMUT Syariah. This research was conducted at PT. Bank Sumut Syariah Medan Branch. Type of this research is qualitative descriptive, while the informant in this research is the Head of Financing Division at PT Bank Sumut Syariah Medan branch. Data analysis techniques used in the study are data reduction, data presentation, and conclusion. In general achievement 2013-2017 murabahah financing still experiencing fluctuations and tend to decline in 2017 from 2016 in the amount of 2%. The results are quite large when compared with the achievement of murabahah financing performed by other Islamic banks. Judging from the applied financing system, this difference shows that there is still less optimism in the formation of murabahah murals in disbursing funds to potential community economic sectors. Based on revenues earned by PT Bank Sumut Syariah from profit margin and financing administration showed an increase that occurred in 2016.