ANALYSIS OF HOUSE TAKE OVER FINANCING AND ITS IMPACT ON MURABAHAH AGREEMENT (STUDY AT BSI BONE BRANCH)
Keywords:
Take Over, Impact, MurabahahAbstract
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
Andrianto DR. M. Anang Firmansyah. Manajemen Bank Syariah (Implementasi Teori Dan Praktik. Edited by Qiara Media. CV. Penerbit Qiara Media, 2019.
Andrianto, and M. Anang Firmansyah. “Manajemen Bank Syariah ( Implementasi Teori Dan Praktek ).” CV. Penerbit Qiara Media (2019): 536.
Fajar, Faisal. “Faktor-Faktor Yang Mempengaruhi Nasabah Melakukan Take Over KPR Bank Konvensional Ke Bank BRI Syariah Banjarmasin.” Faktor-Faktor Yang Mempengaruhi Nasabah Melakukan Take Over KPR Bank Konvensional Ke Bank BRI Syariah Banjarmasin (2016).
Mangani, Ktut Silvanita. Bank Dan Lembaga Keuangan Lain. Edited by Adi Maulana Wibi Hardani. jakarta : Erlangga, 2009, 2009.
Naja, Daeng. Pembiayaan Take Over Oleh Bank Syariah. Edited by Fungky. Uwais Inspirasi Indonesia, Anggota IKAPI Jawa Timur Nomor: 217/JTI/2019 Tanggal 1 Maret 2019, 2019.
Permatasari, Nadia. “Fakultas Ekonomi Dan Bisnis Islam Jurusan S1 Perbankan Syariah Institut Agama Islam Negeri ( Iain ) Metro Implementasi Multi Akad Pengalihan Hutang ( Take Over ) Perspektif Fatwa Dsn Mui No . 31 / Dsn- Mui / Vi / 2002 ( Study Pada Bank Syariah Mandiri Kan” 2002, no. 31 (2020).
Sidin, R M. “Penerapan Take Over Pembiayaan Pensiun Dengan Akad Qardh Wal Ijarah Di PT. Bank Syariah Mandiri (BSM) Cabang Palu” (2019).
SUDARYATMO, Cahayana.E Jaka dan. Rumahku Istanaku Panduan Membeli Rumah Hunian. Jakarta : PT Elex Media Kumputindo,2002, 2002.
