ANALISA PROSEDUR PENYALURAN PEMBIAYAAN MURABAHAH PADA LEMBAGA KEUANGAN MIKRO SYARIAH (STUDI KASUS PADA BMT SYARIF HIDAYATULLAH GUNUNGWUNGKAL)

Andriana Tri Muthmainnatun; Lucky Nugroho; Dian Sugiarti

doi:10.53625/jcijurnalcakrawalailmiah.v2i3.4111

Authors

Andriana Tri Muthmainnatun Universitas Terbuka, Indonesia
Lucky Nugroho Universitas Mercu Buana, Jakarta
Dian Sugiarti Universitas Terbuka, Indonesia

DOI:

https://doi.org/10.53625/jcijurnalcakrawalailmiah.v2i3.4111

Abstract

Tujuan penelitian ini adalah untuk mengetahui mekanisme penyaluran pembiayaan dengan akad murabahah pada lembaga keuangan mikro syariah atau koperasi jasa keuangan syariah dan lazim disebut dengan BMT. Adapun metode yang digunakan adalah kualitatif deskriptif yaitu melakukan observasi dan wawancara dengan manajemen BMT Syarif Hidayatullah. Hasil penelitian diketahui bahwa mekanisme penyaluran pembiayaan akad murabahah telah sesuai dengan fatwa DSN-MUI Nomor 04/DSN-MUI/IV/2000. Namun demikian perlu adanya pembentukan cadangan kerugian piutang pembiayaan murabahah untuk memitigasi risiko yang akan datang apabila terjadi pembiayaan macet sehingga kerugian dari BMT dapat diminimalisir. Implikasi dari penelitian ini adalah memberikan informasi dan referensi bagi praktisi dan peneliti di bidang lembaga keuangan syariah.

References

Agarwal, S., & Dutta, T. (2015). Marketing Sensorik and Consumer Neuroscience: Current Understanding and The Way Forward. DECISION, 42(4), 457–462. Https://Doi.Org/10.1007/S40622-015-0113-1

Al-Kwifi, S. O. (2016). The Role of Fmri in Detecting Attitude Toward Brand Switching: An Exploratory Study Using High Technology Products. Journal Of Product & Brand Management, 25(2), 208–218. Https://Doi.Org/10.1108/Jpbm-12-2014-0774

Ardi Setiawan & Hana Catur Wahyuni. (2020). Integrasi Metode SWOT Dan AHP Untuk Merumuskan Strategi Pemasaran (Studi Kasus PT.Ratta N Craft Indonesia). Jurnal Marketing Sinta, 1-11.

Ariely, D., & Berns, G. S. (2010). Marketing Sensorik: The Hope and Hype of Neuroimaging in Business. Nature Reviews

Arlauskaitė, E., & Sferle, A. (2013). Ethical Issues in Marketing Sensorik. Lund University.

Aron Darmodya & Detlev Zwick. (2020). Manipulate To Empower Hyper-Relevance and The Contradictions of Marketing in The Age of Surveillance Capitalism. Original Research Article, Sage Journal, 1-2.

Babu, S. S., & Vidyasagar, T. P. (2012). Marketing Sensorik: Is Campbell in Soup? The IUP Journal of Marketing Management, XI (2), 76–100.

Bebko, C., Sciulli, L. M., & Bhagat, P. (2014). Using Eye Tracking to Assess Th e Impact of Advertising Appeals on Donor Behavior. Journal Of Nonprofit & Public Sector Marketing, 26(4), 354–371. Https://Doi.Org/10.1080/10495142.2014.965073

Bercea, M. D. (2012). Anatomy Of Methodologies for Measuring Consumer Behavior in Marketing Sensorik Research. LCBR European Marketing Conference, Munich, Germany.

Calvert, G. (2014, December 12). How Sensory Marketing Can Unlock Cross-Cultural Understanding.Green Future Magazines. Http://Www.Forumforthefuture.Org/Greenfutures/Articles/How-Marketing Sensorik -Can-Unlock-Cross-Cultural-Understanding

Clement, J., Smith, V., Zlatev, J., Gidlöf, K., & Weijer, J. Van De. (2017). Assessing Information on Food Packages. European Journal of Marketing, 51(1), 219–237. Http://Doi.Org/10.1108/EJM-09-2013-0509

Colaferro, C. A., & Crescitelli, E. (2014). The Contribution of Sensory Marketing to The Study of Consumer Behavior. Brazilian Business Review, 11(3), 123–143. Https://Doi.Org/10.15728/Bbr.2014.11.3.6

D Khurniawan, M Dimyati, D Wulandari. (2019). Pengaruh Elemen Sensory Branding Terhadap Perilaku Pengambilan Keputusan Pelanggan Dalam Membeli Aqua Dengan Pendekatan Marketing Sensorik di Kabupaten Jember. E-Journal Ekonomi Bisnis Dan Akuntansi, Sinta, 44-48.

Fehse, K., Simmank, F., Gutyrchik, E., & Sztrókay-Gaul, A. (2017). Organic Or Popular Brands—Food Perception Engages

Fisher, C. E., Chin, L., & Klitzman, R. (2010). Defining Sensory Marketing: Practices and Professional Challenges. Harvard Review of Psychiatry, 18(4), 230–237. Https://Doi.Org/10.3109/10673229.2010.496623

Fugate, D. L. (2007). Sensory Marketing: A Layman's Look at Neuroscience And Its Potential Application To Marketing Practice. Journal Of Consumer Marketing, 24(7), 385–394. Https://Doi.Org/10.1108/07363760710834807

Genco, S., Pohlmann, A., & Steidl, P. (2013). Sensory Marketing for Dummies. Mississauga: John Wiley & Sons, Inc.

Gidlöf, K., Wallin, A., Dewhurst, R., & Holmqvist, K. (2013). Using Eye Tracking to Trace a Cognitive Process: Gaze Behaviour During Decision Making in a Natural Environment. Journal Of Eye Movement Research, 6(1), 1–14. Https://Doi.Org/10.16910/Jemr.6.1.3

Hensel, D., Iorga, A., Wolter, L., & Znanewitz, J. (2017). Conducting Sensory Marketing Studies Ethically-Practitioner Perspectives. Cogent Psychology, 4(1), 1320858. Https://Doi.Org/10.1080/23311908.2017.1320858

Hubert, M., & Kenning, P. (2008). A Current Overview of Consumer Neuroscience. Journal Of Consumer Behavior, 7(4-5), 272–292. Https://Doi.Org/10.1002/Cb.251

Javor, A., Koller, M., Lee, N., Chamberlain, L., & Ransmayr, G. (2013). Sensory Marketing and Consumer Neuroscience: Contributions to Neurology. BMC Neurology, 13(1), 13. Https://Doi.Org/10.1186/1471-2377-13-13

Kenning, P., Plassmann, H., & Ahlert, D. (2007). Applications Of Functional Magnetic Resonance Imaging for Market Research. Qualitative Market Research: An International Journal, 10(2), 135-152. Https://Doi.Org/10.1108/13522750710740817

Khushaba, R. N., Wise, C., Kodagoda, S., Louviere, J., Kahn, B. E., & Townsend, C. (2013). Consumer Neuroscience: Assessing the Brain Response to Marketing Stimuli Using Electroencephalogram (Eeg) and Eye Tracking. Expert Systems with Applications, 40(9), 3803–3812. Https://Doi.Org/10.1016/J.Eswa.2012.12.095

Kühn, S., Strelow, E., & Gallinat, J. (2016). Multiple “Buy Buttons” In the Brain: Forecasting Chocolate Sales at Point-Of-Sale Based on Functional Brain Activation Using Fmri. Neuroimage, 136, 122–128. Distinct Functional Pathways. An Fmri Study. Cogent Psychology, 4(1), 1284392.

Neuroscience, 11(4), 284–292. Https://Doi.Org/10.1038/Nrn2795

Sheng-Fang Chou, Jeou-Shyan Horng, Chih-Hsing Sam Liu & Jun-You Lin. (2020). Identifying The Critical Factors of Customer Behavior: An Integration. Journal Of Retailing and Consumer Services, 102-113.

Tao Zhang & David Zhang. (2007). Agent-Based Simulation of Consumer Purchase Decision-Making. Science direct Journal of Business Research, 912–922.

Thomas Marcell, Lisbeth Mananeke & Sjendry Loindong. (2020). Analisis Marketing Mix Dan Customers Relatihoship Management Terhadap Kepuasan Pelanggan Rm. Kios Baru Manado. Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi Sinta, 50-62.

Untung Rahardja, Ninda Lutfiani & Sindy Amelia. (2019). Creative Content Marketing in Scientific Publication. Sinta Journal of Marketing, 116-122.