INOVASI PRODUK SEBAGAI ALTERNATIF KONVERSI AKAD PEMBIAYAAN MURABAHAH DENGAN SISTEM MUSYARAKAH (Studi Kasus Pada Bank Sumsel Babel Syariah Cabang Palembang)

Abstract

The problem of this study was how to apply the concept of the Murabahah contract of Bank Sumsel Babel Sharia Palembang using the Musyarakah contract. The objective of this study was to apply the concept of the Murabahah contract of Bank Sumsel Babel Sharia Palembang using the musyarakah contract as the Sharia Banking product innovation. This study used descriptive research. It was conducted at PT.Bank Sumsel Babel Sharia Palembang. The data used in this study were primary and secondary data. The techniques for collecting the data were using interviews and documentation. The data analysis used descriptive qualitative method. The result showed that PT.Bank Sumsel Babel Sharia Palembang had not applied the concept of the
murabahah financing contract using the musyarakah system, so it was unable to change the customers’ perception towards the products offered by the sharia banks. Sharia banks should apply the concept of the murabahah financing contract using the musyarakah system, so the products of sharia bank financing could be the customers’ main choice.