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Abstract
This study aims to determine the "Analysis of Murabahah Operations on Gold Savings Products Against the Profits of Customer Trust Funds at Bank Syariah Indonesia (Case Study of Bank Syariah Indonesia KCP Panyabungan)". This research was conducted at Bank Syariah Indonesia KCP Panyabungan. The method in this study uses qualitative methods with the form of data research (field research). The results showed that operations on gold savings products at Bank Syariah Indonesia KCP Panyabungan use murabahah contracts, but also wadi'ah and istishna' contracts, and the analysis of murabahah operations on gold savings products on deposit fund profits at Bank Syariah Indonesia KCP Panyabungan shows that murabahah contracts are used in sale and purchase transactions on gold savings products with this savings model has special characteristics that make it unique.
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References
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- Anggraini, T., & Harahap, M. Y. P. (2024). Marketing Strategy of Bank Syariah Indonesia (BSI) KCP Padang Bulan in Marketing Vehicle Installment Financing Products to Its Customers. Journal of Masharif Al-Syariah ..., 9(204), 135-143. https://journal.um-surabaya.ac.id/Mas/article/view/21511%0Ahttps://journal.um-surabaya.ac.id/Mas/article/download/21511/7271
- Anggraini, W., Nasution, M. L. I., & Rahmani, N. A. B. (2023). the Effect of Marketing Mix and Services on Customer Decisions in Using the Services of the Indonesian Sharia Bank Kc Kabanjahe. Journal of Economics, 12(2), 1735-1744. https://scholar.google.com/citations?view_op=view_citation&hl=en&user=RCwSpzcAAAAJ&pagesize=100&citation_for_view=RCwSpzcAAAAJ:RGFaLdJalmkC
- Arni, B. and J. (2020). Research Results and Discussion of Hadith. Journal of Chemical Information and Modeling, 53(9), 33.
- Dewi, Li. M. (2019). Analysis of the Implementation of Murabahah Akad in Gold Savings Products in Increasing the Profits of Customer Trust Funds at Pegadaian Syariah. Dk, 53(9), 1689-1699.
- Hamida, K. V., Septiandani, D., & Astanti, D. I. (2022). Pegadaian Syariah Gold Savings in the Perspective of Islamic Law and Indonesian Positive Law: Case Study Pt. Pegadaian (Persero) Syariah Ngaliyan Square Unit. Semarang Law Review (SLR), 3(1), 130. https://doi.org/10.26623/slr.v3i1.5051
- Harahap, A. N., Marliyah, M., & Anggraini, T. (2024). Analysis of Murabahah Financing Marketing Strategy on Gold Installment Products in Increasing the Number of Customers: Case Study of BSI KCP. Medan Marelan. El-Mal: Journal of Islamic Economics & Business Studies, 5(3), 1340-1354. https://doi.org/10.47467/elmal.v5i3.6285
- Harahap, D. (2017). Gold Pawn Products in Islamic Banking: An Economic Maslahah Analysis. Alqalam, 34(1), 1. https://doi.org/10.32678/alqalam.v34i1.733
- Pohan, R. N. A., & Jannah, N. (2022). Analysis of Marketing Strategy for Gold Pawn Products at Bank Syariah Indonesia KC Lubuk Pakam. Regress: Journal of Economics & Management, 2(1), 60-66. https://doi.org/10.57251/reg.v2i1.305
- Pratiwi, A., Anggraini, T., & Yanti, N. (2022). Analysis of the Effectiveness of Rahn Tasjily Land Products in Easing Capital and Improving the Customer's Economy at PT Pegadaian Syariah Setia Budi Medan Branch. MES Management Journal, 2(2), 153-165. https://doi.org/10.56709/mesman.v2i2.78
- Ramadansyah. (2022). The Effect of Using Pegadaian Syariah Digital (PSD) on Customer Interest in Using Gold Savings Products at PT.Pegadaian Syariah Alaman Bolak Padangsidimpuan Branch. 51-52.
- Salsabilah, N., & Rahma, T. I. F. (2022). Analysis of the Quality of the Role of Gold Savings Products at PT Pegadaian (PERSERO) Madina Sharia Service Unit. Journal of Economics, Management, Business and Accounting Review, 2(1), 177-186. https://doi.org/10.53697/emba.v2i1.568
- Shalahuddin, M. A., & Fauziah, N. S. (2023). Implementation of Murabahah Financing in Islamic Banking in Indonesia: A Literature Study. Journal of Fiqh in Contemporary Financial Transactions, 1(1), 29-44. https://doi.org/10.61111/jfcft.v1i1.432
- Sinambela, A. P. S., Anggraini, T., & Yanti, N. (2023). Implementation of Rahn and Ijarah Agreements for Gold Pawn Products at Bank Syariah Indonesia KCP Medan Iskandar Muda. Journal of Computer Science, Economics and Management (JIKEM), 3(2), 5409.
- Supriyadi, & Qusyairi, M. (2022). Analysis of the Implementation of Murabahah Akad on Gold Savings Products at Pegadaian Syariah Prenduan Branch. Economics and Business Management Journal (EBMJ), 1(4), 289-298.
- Sutan Remy Sjahdeini. (2014). Islamic Banking, (Jakarta: Kencana, 2014, p. 106 11. 11-27.
- Syarifuddin, S., Yasir Yusuf, M., & Yulindawati, Y. (2020). Marketing Strategy in Improving Gold Savings Products at Pt Pegadaian Syariah Banda Aceh Branch. JIHBIZ: Global Journal of Islamic Banking and Finance., 2 (2), 173. https://doi.org/10.22373/jihbiz.v2i2.8647
- Tasya Yustika Putri, Tuti Anggraini, & Rahmat Daim Harahap. (2023). Analysis of the Implementation of the 11P Marketing Mix Strategy in Tennis MSMEs (Teh Nikmat Sidamanik). Syarikat: Journal of Sharia Economics, 6(1), 37-48. https://doi.org/10.25299/syarikat.2023.vol6(1).12915
- Waqqosh, A., Siregar, S., & Sugianto, S. (2022). The Effect of the Application of Qard and Ijarah Akad on Customer Interest in Pawn Products at Bank Syariah Indonesia (BSI) KC Binjai. Economics, Finance, Investment and Sharia (EKUITAS), 3(3), 637-641. https://doi.org/10.47065/ekuitas.v3i3.1163
References
Alfarisyi, M. F., & Harahap, M. I. (2023). Implementation of Marketing Mix in Increasing Customer Interest in Using Hajj Savings Products at Bank Syariah Indonesia (BSI). Surplus: Journal of Economics and Business, 1(2), 234-245.
Anggraini, T., & Harahap, M. Y. P. (2024). Marketing Strategy of Bank Syariah Indonesia (BSI) KCP Padang Bulan in Marketing Vehicle Installment Financing Products to Its Customers. Journal of Masharif Al-Syariah ..., 9(204), 135-143. https://journal.um-surabaya.ac.id/Mas/article/view/21511%0Ahttps://journal.um-surabaya.ac.id/Mas/article/download/21511/7271
Anggraini, W., Nasution, M. L. I., & Rahmani, N. A. B. (2023). the Effect of Marketing Mix and Services on Customer Decisions in Using the Services of the Indonesian Sharia Bank Kc Kabanjahe. Journal of Economics, 12(2), 1735-1744. https://scholar.google.com/citations?view_op=view_citation&hl=en&user=RCwSpzcAAAAJ&pagesize=100&citation_for_view=RCwSpzcAAAAJ:RGFaLdJalmkC
Arni, B. and J. (2020). Research Results and Discussion of Hadith. Journal of Chemical Information and Modeling, 53(9), 33.
Dewi, Li. M. (2019). Analysis of the Implementation of Murabahah Akad in Gold Savings Products in Increasing the Profits of Customer Trust Funds at Pegadaian Syariah. Dk, 53(9), 1689-1699.
Hamida, K. V., Septiandani, D., & Astanti, D. I. (2022). Pegadaian Syariah Gold Savings in the Perspective of Islamic Law and Indonesian Positive Law: Case Study Pt. Pegadaian (Persero) Syariah Ngaliyan Square Unit. Semarang Law Review (SLR), 3(1), 130. https://doi.org/10.26623/slr.v3i1.5051
Harahap, A. N., Marliyah, M., & Anggraini, T. (2024). Analysis of Murabahah Financing Marketing Strategy on Gold Installment Products in Increasing the Number of Customers: Case Study of BSI KCP. Medan Marelan. El-Mal: Journal of Islamic Economics & Business Studies, 5(3), 1340-1354. https://doi.org/10.47467/elmal.v5i3.6285
Harahap, D. (2017). Gold Pawn Products in Islamic Banking: An Economic Maslahah Analysis. Alqalam, 34(1), 1. https://doi.org/10.32678/alqalam.v34i1.733
Pohan, R. N. A., & Jannah, N. (2022). Analysis of Marketing Strategy for Gold Pawn Products at Bank Syariah Indonesia KC Lubuk Pakam. Regress: Journal of Economics & Management, 2(1), 60-66. https://doi.org/10.57251/reg.v2i1.305
Pratiwi, A., Anggraini, T., & Yanti, N. (2022). Analysis of the Effectiveness of Rahn Tasjily Land Products in Easing Capital and Improving the Customer's Economy at PT Pegadaian Syariah Setia Budi Medan Branch. MES Management Journal, 2(2), 153-165. https://doi.org/10.56709/mesman.v2i2.78
Ramadansyah. (2022). The Effect of Using Pegadaian Syariah Digital (PSD) on Customer Interest in Using Gold Savings Products at PT.Pegadaian Syariah Alaman Bolak Padangsidimpuan Branch. 51-52.
Salsabilah, N., & Rahma, T. I. F. (2022). Analysis of the Quality of the Role of Gold Savings Products at PT Pegadaian (PERSERO) Madina Sharia Service Unit. Journal of Economics, Management, Business and Accounting Review, 2(1), 177-186. https://doi.org/10.53697/emba.v2i1.568
Shalahuddin, M. A., & Fauziah, N. S. (2023). Implementation of Murabahah Financing in Islamic Banking in Indonesia: A Literature Study. Journal of Fiqh in Contemporary Financial Transactions, 1(1), 29-44. https://doi.org/10.61111/jfcft.v1i1.432
Sinambela, A. P. S., Anggraini, T., & Yanti, N. (2023). Implementation of Rahn and Ijarah Agreements for Gold Pawn Products at Bank Syariah Indonesia KCP Medan Iskandar Muda. Journal of Computer Science, Economics and Management (JIKEM), 3(2), 5409.
Supriyadi, & Qusyairi, M. (2022). Analysis of the Implementation of Murabahah Akad on Gold Savings Products at Pegadaian Syariah Prenduan Branch. Economics and Business Management Journal (EBMJ), 1(4), 289-298.
Sutan Remy Sjahdeini. (2014). Islamic Banking, (Jakarta: Kencana, 2014, p. 106 11. 11-27.
Syarifuddin, S., Yasir Yusuf, M., & Yulindawati, Y. (2020). Marketing Strategy in Improving Gold Savings Products at Pt Pegadaian Syariah Banda Aceh Branch. JIHBIZ: Global Journal of Islamic Banking and Finance., 2 (2), 173. https://doi.org/10.22373/jihbiz.v2i2.8647
Tasya Yustika Putri, Tuti Anggraini, & Rahmat Daim Harahap. (2023). Analysis of the Implementation of the 11P Marketing Mix Strategy in Tennis MSMEs (Teh Nikmat Sidamanik). Syarikat: Journal of Sharia Economics, 6(1), 37-48. https://doi.org/10.25299/syarikat.2023.vol6(1).12915
Waqqosh, A., Siregar, S., & Sugianto, S. (2022). The Effect of the Application of Qard and Ijarah Akad on Customer Interest in Pawn Products at Bank Syariah Indonesia (BSI) KC Binjai. Economics, Finance, Investment and Sharia (EKUITAS), 3(3), 637-641. https://doi.org/10.47065/ekuitas.v3i3.1163