Riadi, Akhmad (2019) Model Penetapan Harga Dalam Produk Murabahah Yang Berkeadilan Pada Bank Syariah (Studi Pada Bank Muamalat dan Unit Usaha Syariah Bank Kalsel). Tesis, Pascasarjana.

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ABSTRAK

The development of Islamic financial institutions in Indonesia is very rapid. One of the most popular products of Islamic financial institutions among the people today is murabahah financing. This study aims to determine the application of the selling price of murabahah financing and the calculation of profit margins at Islamic banks (Study at Bank Muamalat and Bank Kalsel Syariah Business Unit). The research method used is a qualitative descriptive research method. Where the data obtained is primary data in the form of interviews with the parties concerned and secondary data in the form of processed data that can be accounted for from sources that can be trusted by conducting library studies, interviews and the internet. The results of this study found that the determination of the selling price of murabahah financing in a Sharia Bank is to use the same basic price plus a profit margin. Whereas to determine its profit margin, the bank determines itself and equally considers several margin determination factors, namely: the average Islamic profit margin (Direct Competitor's Market Rate / DCMR), the average interest rate of conventional banks (Indirect Competitor's Market Rate / ICMR), Expected Competitive Return for Investor (ECRI), Overhead Cost, Cost Of Fund, Cost of Loanable Fund, Risk Allowance and Spread. In calculating the profit margin, use the flat method. In addition to the above stated in this study, where Sharia Banks generally use costs related to pricing into components in murabahah prices are added to the expectations of profit margins, so the profit margin goes hand in hand with the financing period, but the focus of this research is where the costs associated with murabahah pricing run along with the financing period while the profit margin (Spread) does not run along with the financing period, so that a model can be found where prices on murabahah products become cheaper and fair so that the Islamic banks and customers benefit

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