ANALISIS MEKANISME PEMBIAYAAN DANA TALANGAN HAJI PADA PT. BANK BNI SYARIAH KANTOR CABANG MEDAN
The background of this Financing bailout Hajj Product is the occurrence of a long queue of Jemaah hajj candidates. Thus people have to wait long to be able to perform the pilgrimage.Therefore to meet the needs of the community, so PT Bank BNI Syariah Branch Office Medan provides product financing bailouts in order to facilitate the pilgrimage bailout for prospective pilgrims to obtain Haj chair seat.
The purpose of this study to be able to explain the implementation and financing mechanisms bailout funds Haj in helping customers to get the chair seat Haj, as well as contract-contract, knowing what is on pilgrimage financing bailouts in Bank BNI Syariah Branch Office Medan. The method used in this study is a qualitative research study of literature and interview data collection and documentation. Then described from the data that have been obtained are analyzed and conclusions are drawn.
The results can be concluded that the Operational Management Product Bailout Financing Hajj at Bank BNI Syariah Branch Office Medan implements petition financing mechanisms. Principles used to use Qardh and Ijarah contract. Qardh scheme used for the bailout loans, and taking advantage of Ijarah or wages for services (Ujrah).
Keywords: Finance, Qardh, Ijarah, Hajj bailouts, Bank BNI Syariah Branch Medan.
Copyright (c) 2021 Jurnal Ekonomi Islam
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).