Insurance system has been known for a long time, but is now more widespread is Islamic Insurance, like Islamic Banking, Islamic Insurance System has a different and more advantages when compared to conventional insurance system.... more
Insurance system has been known for a long time, but is now more widespread is Islamic Insurance, like Islamic Banking, Islamic Insurance System has a different and more advantages when compared to conventional insurance system. Difference and superiority found in storage procedures funds, insurance funds operations, and akadnya. Takaful is an alternative system, precisely applying conventional insurance replacement system or exchange contract that is not in line with Islamic law. In the Takaful system, each participant intends mutual assistance to each other by virtue dues aside (tabarru). The emergence of Takaful quite rapidly become an important task for the Islamic sharia and accounting experts. So, encourage them to make the basic guidelines for the development and application of accounting standards in accordance with the Takaful Islamic principles.
Research Interests:
This study was conducted in BPRS Hasanahmetode sampling of this research by using snowball sampling, by interview, observation and documentation. This study used qualitative descriptive analysis. Results of this study can be concluded... more
This study was conducted in BPRS Hasanahmetode sampling of this
research by using snowball sampling, by interview, observation and
documentation. This study used qualitative descriptive analysis. Results of this
study can be concluded that the method of determination of the margin
determination method of financing murabaha margin SRB Harikusumo
Pekanbaru using a tiered system of each year a percentage of the principal
financing murabahahnya . Determination margin still take into account the BI
Rate and see the margin applicable in the other bank.
Murabaha financing the implementation of the system at the bank could
start from the administrative requirements, collateral requirements, financing
requirements, ceiling financing, financing period, and fees charged to customers.
In determining the margin murabaha financing still using the inflation rate per
year. The higher the BI rate, the higher the margins taken by banks from
customers.
research by using snowball sampling, by interview, observation and
documentation. This study used qualitative descriptive analysis. Results of this
study can be concluded that the method of determination of the margin
determination method of financing murabaha margin SRB Harikusumo
Pekanbaru using a tiered system of each year a percentage of the principal
financing murabahahnya . Determination margin still take into account the BI
Rate and see the margin applicable in the other bank.
Murabaha financing the implementation of the system at the bank could
start from the administrative requirements, collateral requirements, financing
requirements, ceiling financing, financing period, and fees charged to customers.
In determining the margin murabaha financing still using the inflation rate per
year. The higher the BI rate, the higher the margins taken by banks from
customers.