PENYELESAIAN WANPRESTASI PADA AKAD MURABAHAH DI BANK SYARI’AH KANTOR CABANG JEMBER

Abstract

Murabahah has a special attraction for Islamic banking and investments because this product is used by customers to buy certain properties at agreed price. There is a grace period in payments in the murabahah agreement that allow a risk of credit defaults in giving a credit. Bank Mandiri Syariah branch office Jember is one of the sharia banks that provide murabahah financing services with an installment payment system. Bank Mandiri Syariah branch office Jember’s effort in resolving defaults are through family approach while billing intensively. Then, if it cannot be done, the bank by giving reprimand letters and provide a memorandum 3 times regularly. If the memorandum remains ignored, the final step is Bank conduct auction guarantee by the auction hall or by voluntary selling or independently selling.

Keywords: Murabahah, Installment Payment, Default, Bad Debt