Syaparuddin, . (2017) Measuring The Accomodation of Sharia Principles in Determining the Pricing of Consumer Financing Products of BSM (Sharia Mandiri Bank). Lembaga Penelitian & Pengabdian kepada Masyarakat (LP2M) of the Institut Agama Islam Negeri (IAIN) Sultan Amai, Gorontalo - Indonesia..
![[img]](http://repositori.iain-bone.ac.id/style/images/fileicons/text.png) |
Text
Indeks KR2.pdf Download (459kB) |
Abstract
This study is intended to evaluate the pricing determination of consumer financing products of BSM, so that the customers can find out if BSM provides a treatment of installment payments on consumer financing products in accordance with sharia principles. In establishing the pricing on consumer financing products, BSM uses two methods, namely: the annuity method and the proportional (flat) method. The Construction of pricing on the consumer financing products in BSM is based on: (a) the total of installment payment per-month, it is based on financing platfond, percentage of margin, and period of time, (b) the principal installment payment per-month, it is based on total of principal installment payment per-month, and margin, (c) the installment payament of profit margin per-month, it is based on platfond, principal, and percentage of margin. The pricing used by BSM needs to be revitalized because (a) there is a profit return factor for customers, (b) containing a gharar element, and (c) using the paradigm of conventional bank in setting pricing.
| Item Type: | Other |
|---|---|
| Subjects: | Penelitian Dosen |
| Divisions: | Fakultas Ekonomi dan Bisnis Islam (FEBI) > Program Studi S-1 Ekonomi Syariah (ES) |
| Depositing User: | IAIN BONE |
| Date Deposited: | 02 Jun 2021 08:26 |
| Last Modified: | 02 Jun 2021 08:26 |
| URI: | http://repositori.iain-bone.ac.id/id/eprint/354 |
Actions (login required)
 |
View Item |
