Future Package (FP) Financing Using Murabahah Contract for Pre-Prosperous Families in Bank Tabungan Pensiunan Nasional Syariah (BTPNS) of Solok City

Abstract

Future Package (FP) financing is one of the products of Bank Tabungan Pensiunan Nasional Syariah (BTPNS). This FP program is aimed specifically at women who want to develop or who want to start a business. Based on observations in the field, after the financing has been provided to customers, there are several customers who have arrears in installments. Thus, it raises discrepancies such as what is regulated in the fatwa of the National Sharia Council (DSN) No. 04/DSN-MUI/IV/2000 concerning Murabahah Contract Financing that the customer must pay the price of the goods agreed upon at a certain agreed period of time. The formulation of the research problems includes: (1) what are the criteria for FP financing for pre-prosperous families? (2) how is FP financing viewed from Islamic law? (3) what are the problems with the FP program? and (4) how does the bank cope with it? This research applies an empirical juridical problem approach in which the source of data is obtained by looking at the legal provisions that are connected with facts in the field. The data types consist of primary data from the field and secondary data from books and literature. Problems with non-current installment payments by some customers started with declining business incomes. Thus, banks must make regular collection efforts and the active role of groups. The suggestion from this research is that customers need to increase their sense of responsibility to pay installments on time.