ANALYSIS OF HOUSE TAKE OVER FINANCING AND ITS IMPACT ON MURABAHAH AGREEMENT (STUDY AT BSI BONE BRANCH)

Authors

  • Mirna Sari Institut Agama Islam Negeri Bone
  • Haslindah Institut Agama Islam Negeri Bone
  • Shadriyah Institut Agama Islam Negeri Bone

DOI:

https://doi.org/10.56633/mbisku.v2i1.945

Keywords:

Take Over, Impact, Murabahah

Abstract

This study aims to determine how the takeover mechanism (debt transfer) in an effort to overcome problematic credit and to determine the impact of Customers taking over (debt transfer) at BSI KC Bone. Based on the objectives of the study, this study uses a qualitative research method using observation, documentation and interview techniques as data collection techniques. Based on the results of the study, the takeover mechanism (debt transfer) is that customers submit an application, complete the completeness of the documents, the bank verifies the data, there is approval for takeover financing (debt transfer), then binding, finally disbursement. The impact for BSI is to increase the BSI bank margin, while for customers it is to get additional funds, can extend the installment period, a solution when finances are unhealthy, can transact according to sharia.

References

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Published

2024-03-03

Issue

Vol. 2 No. 1 (2025): MBisKu, January 2025

Section

Articles

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