ANALISIS STARATEGI DAN KEUNGGULAN BANK MASLAHAT SYARIAH DI KOTA BENGKULU

Abstract

Murabahah financing is the most dominant in Indonesian sharia banking compared to other financial products, and also dominates sharia banks in other countries. This method has become very popular because of the nature of murabahah financing which requires a certain level of profit in accordance with the agreed terms. This research aims to determine the variables that influence murabahah financing at Maslahat Sharia Bank, Bengkulu City, Profit Margin, Non-Performing Financing, Financing to Deposit Ratio, with Financing, Deposit and Savings products. The data used in this research is a descriptive analysis technique because the target is a phenomenon that is currently taking place in the field when implementing corporate business practices. with a period of one month starting January-02- 2024, the data collection method uses observation and interviews. Based on the research results, the profit sharing system without interest is successful in making prospective customers interested in collaborating and has a positive influence.
Keywords: Sharia Bank, Murabahah Financing, Profit Margin, Deposit Savings.