{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch31506\stshfloch31506\stshfhich31506\stshfbi31507\deflang1033\deflangfe1033\themelang1033\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\f3\fbidi \froman\fcharset2\fprq2{\*\panose 05050102010706020507}Symbol;}{\f34\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria Math;}{\f37\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}
{\f38\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604030504040204}Tahoma;}{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\fhimajor\f31502\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}
{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}
{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\f314\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\f315\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\f317\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\f318\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\f319\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\f320\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\f321\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\f322\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\f654\fbidi \froman\fcharset238\fprq2 Cambria Math CE;}{\f655\fbidi \froman\fcharset204\fprq2 Cambria Math Cyr;}
{\f657\fbidi \froman\fcharset161\fprq2 Cambria Math Greek;}{\f658\fbidi \froman\fcharset162\fprq2 Cambria Math Tur;}{\f661\fbidi \froman\fcharset186\fprq2 Cambria Math Baltic;}{\f662\fbidi \froman\fcharset163\fprq2 Cambria Math (Vietnamese);}
{\f684\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\f685\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\f687\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\f688\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}
{\f691\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\f692\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\f694\fbidi \fswiss\fcharset238\fprq2 Tahoma CE;}{\f695\fbidi \fswiss\fcharset204\fprq2 Tahoma Cyr;}
{\f697\fbidi \fswiss\fcharset161\fprq2 Tahoma Greek;}{\f698\fbidi \fswiss\fcharset162\fprq2 Tahoma Tur;}{\f699\fbidi \fswiss\fcharset177\fprq2 Tahoma (Hebrew);}{\f700\fbidi \fswiss\fcharset178\fprq2 Tahoma (Arabic);}
{\f701\fbidi \fswiss\fcharset186\fprq2 Tahoma Baltic;}{\f702\fbidi \fswiss\fcharset163\fprq2 Tahoma (Vietnamese);}{\f703\fbidi \fswiss\fcharset222\fprq2 Tahoma (Thai);}
{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\fhimajor\f31528\fbidi \froman\fcharset238\fprq2 Cambria CE;}{\fhimajor\f31529\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\fhimajor\f31531\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\fhimajor\f31532\fbidi \froman\fcharset162\fprq2 Cambria Tur;}
{\fhimajor\f31535\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\fhimajor\f31536\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}
{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}
{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}}{\colortbl;\red0\green0\blue0;\red0\green0\blue255;\red0\green255\blue255;\red0\green255\blue0;\red255\green0\blue255;\red255\green0\blue0;
\red255\green255\blue0;\red255\green255\blue255;\red0\green0\blue128;\red0\green128\blue128;\red0\green128\blue0;\red128\green0\blue128;\red128\green0\blue0;\red128\green128\blue0;\red128\green128\blue128;\red192\green192\blue192;
\chyperlink\ctint255\cshade255\red0\green0\blue255;}{\*\defchp \f31506\fs22 }{\*\defpap \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\stylesheet{\ql \li0\ri0\sa200\sl276\slmult1
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\sbasedon0 \snext15 \slink16 \sunhideused \styrsid11171973 header;}{\*\cs16 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0 \sbasedon10 \slink15 \slocked \styrsid11171973 Header Char;}{\s17\ql \li0\ri0\widctlpar
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\sbasedon0 \snext19 \slink20 \sqformat \spriority34 \styrsid11171973 List Paragraph;}{\*\cs20 \additive \dbch\af0 \slink19 \slocked \spriority34 \styrsid11171973 List Paragraph Char;}{\*\ts21\tsrowd\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb
\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
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\cs22 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf17 \sbasedon10 \sunhideused \styrsid11171973 Hyperlink;}{\s23\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af38\afs16\alang1025 \ltrch\fcs0 
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\sbasedon10 \slink23 \slocked \ssemihidden \styrsid9192126 Balloon Text Char;}{\s25\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
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\sbasedon10 \slink25 \slocked \ssemihidden \styrsid12926621 Footnote Text Char;}{\*\cs27 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \super \sbasedon10 \ssemihidden \sunhideused \styrsid12926621 footnote reference;}}{\*\listtable
{\list\listtemplateid-2049042088\listhybrid{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid-1670998018\'02\'00);}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 
\fi-360\li1080\lin1080 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li1800\lin1800 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-180\li2520\lin2520 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li3240\lin3240 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li3960\lin3960 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
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\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3513\lin3513 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713
\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li4233\lin4233 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715
\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li4953\lin4953 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703
\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5673\lin5673 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713
\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6393\lin6393 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715
\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li7113\lin7113 }{\listname ;}\listid103155556}{\list\listtemplateid-1746785474\listhybrid{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0
\levelindent0{\leveltext\leveltemplateid1168770588\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li2340\lin2340 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0
{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3060\lin3060 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li3780\lin3780 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698713
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\par }}\ltrpar \sectd \ltrsect\linex0\headery708\footery708\colsx708\endnhere\sectlinegrid360\sectdefaultcl\sftnbj {\footerr \ltrpar \pard\plain \ltrpar\s17\qr \li0\ri0\widctlpar
\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973 
\par }\pard \ltrpar\s17\ql \li0\ri0\widctlpar\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973 
\par }}{\*\pnseclvl1\pnucrm\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl2\pnucltr\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl3\pndec\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl4\pnlcltr\pnstart1\pnindent720\pnhang {\pntxta )}}
{\*\pnseclvl5\pndec\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl6\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl7\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl8
\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl9\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}\pard\plain \ltrpar\qc \li0\ri0\sl360\slmult1\widctlpar
\tx8222\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5591685 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 
\f0\fs26\insrsid11171973\charrsid1339646 FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBIAYAAN KREDIT USAHA RAKYAT (KUR) MIKRO iB: IMPLEMENTASI }{\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \f0\fs26\insrsid11171973 PADA }{\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 
\f0\fs26\insrsid11171973\charrsid1339646 AKAD }{\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \i\f0\fs26\insrsid11171973\charrsid1339646 MURABAHAH}{\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \i\f0\fs26\insrsid9192126  }{\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 
\f0\fs26\insrsid9192126 DI BRI SYARIAH KC MALANG}{\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \f0\fs26\insrsid11171973 
\par }\pard \ltrpar\qc \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 {\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \f0\fs26\insrsid9192126\charrsid9192126 
\par }{\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \f0\fs26\insrsid9192126 Desi Ivana Vita}{\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \cs27\f0\fs26\super\insrsid12926621 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s25\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs27\super\insrsid12926621 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12926621  }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \f0\fs22\insrsid11938260\charrsid11938260 Terimakasih buat }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \f0\fs22\insrsid5591685 
ibu Inayati Nuraini Dwiputri, bapak }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \f0\fs22\insrsid5591685\charrsid11938260 Hadi }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \f0\fs22\insrsid5591685 Sumarsono}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \f0\fs22\insrsid5591685 
, dan ibu Dwi Wulandari atas dukungannya.}}}{\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \f0\fs26\insrsid11171973 
\par }{\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \f0\fs26\insrsid9192126 Universitas Negeri Malang
\par (}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid788018  HYPERLINK "mailto:Desiivana0106@gmail.com" }}{\fldrslt {\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \cs22\f0\fs26\insrsid9192126\charrsid2455106 Desiivana0106@gmail.com}}}\sectd \ltrsect
\linex0\headery708\footery708\colsx708\endnhere\sectlinegrid360\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \f0\fs26\insrsid9192126\charrsid2455106 )}{\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \f0\fs26\insrsid9192126 
\par }{\rtlch\fcs1 \af0\afs28 \ltrch\fcs0 \f0\fs28\lang1057\langfe1033\langnp1057\insrsid9192126\charrsid1339646 
\par }\pard \ltrpar\qc \li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5591685 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\insrsid11171973\charrsid5591685 ABSTRAK
\par }\pard \ltrpar\qj \fi709\li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4785787 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid11171973\charrsid5591685 Studi ini bertujun untuk mengetahui 
implementasi akad Murabahah terkait
 faktor-faktor yang mempengaruhi pembiayaan Kredit Usaha Rakyat (KUR) mikro iB yang dilakukan oleh lembaga keuangan bank BRI Syariah Kantor Cabang Malang dalam program penyaluran dana pada pembiayaan Kredit Usaha Rakyat (KUR). Sumber data yang digunakan y
aitu data sekunder dan data primer melalui teknik pengumpulan data dengan wawancara, observasi, dan studi kepustakaan. Analisis data yang digunakan dalam studi ini adalah metode kualitatif. Hasil studi
 ini menunjukkan bahwa implementasi pembiayaan Kredit Usaha Rakyat dengan program pembiayaan Mikro iB banyak diminati oleh nasabah. Hal tersebut dikarenakan prosedur pembiayaan Mikro iB lebih cepat, lebih mudah dan margin yang ditetapkan lebih rendah dari
pada margin pembiayaan produk pemerintah yaitu KUR Mikro iB. Dengan prosedur yang mudah, cepat, dan margin yang lebih rendah membuat nasabah lebih memilih untuk melakukan pembiayaan dengan menggunakan Mikro iB daripada KUR Mikro iB. Produk pembiayaan dari
 BRI Syariah dalam mencari nasabah untuk melakukan pembiayaan kredit dinilai berhasil. Hal tersebut diketahui dari laporan keuntungan neraca BRI Syariah pada piutang murabahah yang setiap bulannya mengalami peningkatan.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid5591685 
\par }\pard \ltrpar\qj \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5591685 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\insrsid11171973\charrsid5591685 Kata Kunci}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\insrsid11171973\charrsid5591685 : Mikro iB, akad}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\insrsid11171973\charrsid5591685  murabahah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid11171973\charrsid5591685 , faktor yang mempengaruhi pembiayaan Mikro iB}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid5591685 
\par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\tx0\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973 \sect }\sectd \ltrsect
\pgwsxn12240\pghsxn15840\pgnrestart\linex0\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid10312430\sftnbj {\footerr \ltrpar \pard\plain \ltrpar\s17\qr \li0\ri0\widctlpar
\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\field{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14385089  PAGE   \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1024\langfe1024\noproof\insrsid3366505 12}}}\sectd \ltrsect\pgwsxn12240\pghsxn15840\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10312430 
\par }\pard \ltrpar\s17\ql \li0\ri0\widctlpar\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7279877 
\par }}{\footerf \ltrpar \pard\plain \ltrpar\s17\qr \li0\ri0\widctlpar\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\field{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid922755  PAGE   \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1024\langfe1024\noproof\insrsid3366505 1}}}
\sectd \ltrsect\pgwsxn12240\pghsxn15840\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid922755 
\par }\pard \ltrpar\s17\qr \li0\ri0\widctlpar\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10312430 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7279877 
\par }}{\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\dbch\af0\insrsid11171973\charrsid922755 \hich\af0\dbch\af0\loch\f0 1.\tab}\pard\plain \ltrpar\s19\ql \fi-284\li284\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls14\adjustright\rin0\lin284\itap0\pararsid922755\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\insrsid11171973\charrsid922755 PENDAHULUAN
\par }\pard\plain \ltrpar\qj \fi720\li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Harta dalam Bahasa arab disebut dengan }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 al-mal }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973\charrsid12134109 atau jamaknya }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 al-amwal. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
Secara terminologis harta dapat diartikan sebagai sesuatu yang dapat dimanfaatkan dalam perkara yang legal menurut hukum islam, seperti bisnis, pinjaman, konsumsi, dan juga pembiayaan (Mardani, 2014). Harta merupakan sesuatu yang berharga bagi setiap indi
vidu,harta terbagi menjadi beberapa jenis, salah satunya yaitu uang. Uang merupakan salah satu kebutuh}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 an bagi semua masyarakat luas. S}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973\charrsid12134109 etiap orang membutuhkan uang untuk memenuhi kebutuhan hidup. Dalam memenuhi kebutuhannya, masyarakat bekerja baik di sektor formal maupun informal. Masyarakat jug}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973 a membutuhkan lembaga keuangan agar}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109  bisa melakukan investasi dan pinjaman untuk kelangsungan hidup yang lebih baik.
\par  Bank merupakan salah satu lembaga keuangan yang digunakan oleh masyarakat luas untuk menghimpun dana
 dalam bentuk simpanan dan menyalurkan kembali kepada masyarakat dalam bentuk pembiayaan dan dalam bentuk lainnya untuk meningkatkan taraf hidup masyarakat luas. Salah satu bentuk akomodasi bank adalah adanya perbankan syariah yang menyediakan berbagai ma
cam produk yang diinginkan oleh masyarakat yang berlandaskan dengan prinsip-prinsip syariah. Bank syariah memiliki bermacam-macam produk}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973  sesuai dengan prinsip syariah. S}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 elain itu perbankan syariah juga menawarkan berbagai bentuk jasa penyimpanan dana dan juga pem}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 injaman dana dalam bentuk uang}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109  dan barang.
\par Bank Rakyat Indonesia (BRI) Syariah merupakan salah satu lembaga keuangan yang membantu nasabah dalam melakukan pembiayaan mikro. Pembiayaan tersebut diberikan kepada nasabah dengan tujuan untuk tambahan mod
al ataupun investasi usaha. Dengan adanya pembiayaan mikro tersebut nasabah bisa lebih mudah untuk mendapatkan tambahan modal usaha sehingga bisa mengembangkan usahanya. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 D}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 alam melakukan pembiayaan maka BRI Syariah harus bisa memperluas pangsa pasarnya supaya banyak nasabah untuk menghimpun dana dan juga meminjam dana di BRI Syariah. }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid11171973 Sehingga BRI}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109  Syariah tidak }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 kalah saing dengan bank lainnya}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109  Dalam lembaga keuangan semakin banyak debitur dan juga kreditur yang diberikan kepada nasabah maka semakin banyak pendapatan yang diterima oleh bank. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973 Demikian halnya }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109  dengan BRI Syariah Kantor Cabang Malang, khususnya pada pembiayaan mikro. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973 B}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 ank lainnya juga memberikan peminjaman }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 terhadap pembiayaan mikro. Maka dari}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109  itu BRI Syariah mengeluarkan produk pembiayaan mikro yang diberi nama dengan pembiayaan Mikro iB. 
\par Pada BRI Syariah KC Malang terdapat dua jenis pembiayaan Kredit Usaha Rakyat (KUR), diantaranya yaitu KUR Mikro iB dan Mikro iB. Kredit Usaha Rakyat (KUR) M
ikro iB merupakan program pemerintah dalam melakukan pembiayaan kepada nasabah dalam jangka pendek, menengah, atau panjang untuk membuka usaha baru atau memperluas pangsa pasar terhadap usaha yang sudah dimiliki. Kredit Usaha Rakyat (KUR) Mikro iB menggun
akan akad murabahah dalam melakukan pembiayaan. Pada pembiayaan KUR Mikro iB nasabah dapat melakukan pinjaman mulai dari Rp 25 juta, Rp 75 juta sampai dengan Rp 500 juta. Sedangkan Mikro iB merupakan program dari }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973 BRI}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109  Syariah dalam melakukan pembiayaan kepad
a para nasabah dalam jangka pendek, menengah dan juga panjang. Dalam melakukan pembiayaan mikro iB juga menggunakan akad murabahah. Perbedaan dari kedua jenis pembiayaan mikro tersebut yaitu }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 
margin}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109  pembiayaan Mikro iB yang ditetapkan lebih rendah dari KUR 
Mikro iB. Pada pembiayaan Mikro iB Rp 25 juta margin yang ditetapkan 1.2%, pembiayaan Rp 75 juta margin yang ditetapkan 1% dan pada pembiayaan Rp 500 jut}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 a margin yang ditetapkan 0.9%. S}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 edangkan pada pembiayaan KUR mikro iB margin yang ditetapkan yaitu sebe
sar 7%. Terdapat perbedaan yang cukup jauh antara margin produk yang dikeluarkan oleh pemerintah dengan marg}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 in produk yang dikeluarkan oleh }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973\charrsid12134109 BRI Syariah. Penelitian ini ingin mengidentifikasi }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 faktor yang mempengaruhi }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973\charrsid12134109 masyara}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 kat lebih memilih mikro iB dari}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 pada KUR Mikro iB.
\par Di}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
antara kedua jenis Kredit Usaha Rakyat (KUR) pada perbankan syariah, sebagian besar masyarakat memilih untuk mengajukan pembiayan kepada BRI Syariah dengan menggunakan Mikro iB daripada KUR iB. Produk pembiayaan dengan menggunakan Mikro
 iB merupakan salah satu strategi yang digunakan BRI Syariah dalam melakukan pemasaran peminjaman kredit pada usaha mikro dengan margin yang lebih rendah daripada margin KUR iB. Hal ini dikarenakan strategi pemasaran, produk dan juga managemen berperan sa
ngat penting dalam perbankan. Adanya fenomena masyarakat lebih memilih menggunakan mikro iB daripada KUR Mikro iB, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 maka studi ini dilakukan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973\charrsid12134109  untuk menganalisis permasalahan tersebut }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 terkait faktor-faktor yang mempengaruhi pembiayaan kredit usaha rakyat (KUR) Mikro }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid11475753 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 B implementasi pada akad }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973 murabahah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973  di BRI Syariah KC Malang.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109  
\par }\pard \ltrpar\ql \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid922755 
\par 2. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid10631643 KAJIAN LITERATUR}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid11171973\charrsid12134109  
\par }\pard \ltrpar\qj \fi567\li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
Perbankan syariah merupakan bank yang menjalankan kegiatan usahanya dengan menggunakan prinsip-prinsip syariah. prinsip syariah adalah aturan perjanjian berdasarkan
 hukum islam antara bank dengan pihak lain untuk menyimpan dana dan juga untuk pembiayaan kegiatan usaha atau juga kegiatan lainnya yang telah dinyatakan sesuai dengan prinsip-prinsip syariah. Prinsip-prinsip syariah tersebut yaitu, pembiayaan berdasarkan
 prinsip bagi hasil (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 mudharabah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 ), pembiayaan berdasarkan prinsip penyertaan modal (}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 musharokah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 ), prinsip jual beli barang dengan memperoleh keuntungan (}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 murabahah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 ), atau pembiayaan barang modal berdasarkan prinsip sewa murni tanpa pilihan (}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 ijarah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 ), atau denga
n adanya pilihan pemindahan kepemilikan atas barang yang disewakan dari pihak bank oleh pihak lainnya (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 ijarah wa iqtina}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973\charrsid12134109 ).
\par \tab Secara garis besar produk yang telah ditawarkan oleh perbankan syariah menjadi tiga bagian besar, yaitu Produk penghimpun dana (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 funding}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 ), Produk penyalur dana (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 financing}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
), dan Produk penawaran jasa. Adapun yang termasuk dalam katagori penghimpun dana (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 funding}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
) adalah tabungan, deposito dan juga giro. Produk penyalur dana (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 financing}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
) yaitu yang memiliki hubungan kuat dengan pembiayaan. Fungsi dalam menawarkan produk pelayanan jasa, bank syariah akan memperoleh pendapatan yang berupa }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 fee. }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Salah satu produk penyalur dana yang ada di BRI Syariah merupakan KUR. Kredit Usaha Rakyat (KUR) 
merupakan produk dari perbankan syariah pada bagian peminjaman untuk membantu masyarakat dalam mengembangkan usaha dan untuk kelangsungan usahanya. 
\par }\pard \ltrpar\qj \fi567\li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid922755 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
Bank Rakyat Indonesia (BRI) Syariah menggunakan akad jual beli (Murabahah) pada pinjaman KUR, yaitu bank me
mbelikan barang/jasa yang dibutuhkan oleh nasabah kemudian bank memberikan barang yang sudah dibeli tersebut kepada nasabah dengan jumlah harga pokok ditambah dengan harga keuntungan yang diperolehnya. Setelah itu nasabah mengangsur tiap bulannya kepada b
ank selama waktu yang sudah disepakati secara bersama di}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid922755  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 awal perjanjian. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid922755 
\par 
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid922755 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid922755\charrsid922755 2.1 Produk Kredit Usaha Rakyat
\par }\pard \ltrpar\qj \fi567\li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid922755 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
Pada BRI Syariah terdapat dua macam produk Kredit Usaha Rakyat (KUR), yaitu produk dari pemerintah dan juga produk dari BRI Syariah. Produk dari pemerintah disebut dengan KUR Mikro iB, sedangkan produk dari BRI Syariah disebut dengan Mikro iB.
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid922755\charrsid12134109 \hich\af0\dbch\af0\loch\f0 a)\tab}}\pard\plain \ltrpar\s19\qj \fi-360\li720\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls7\adjustright\rin0\lin720\itap0\pararsid922755\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid922755\charrsid12134109 KUR Mikro iB Produk Pemerintah
\par }\pard \ltrpar\s19\qj \li709\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid922755\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid922755\charrsid12134109 KUR mikro iB
 merupakan produk dari pemerintah untuk memberikan pinjaman kepada nasabah yang mempunyai usaha dan ingin mengembangkan usaha yang ia miliki. Dalam melakukan peminjaman bank hanya memberikan pembiayaannya dengan jumlah maksimal Rp 25.000.000 per nasabah y
ang melakukan peminjaman. KUR mikro iB tersebut terdapat margin setara 7% pertahunnya.
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid922755\charrsid12134109 \hich\af0\dbch\af0\loch\f0 b)\tab}}\pard \ltrpar\s19\qj \fi-360\li720\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls7\adjustright\rin0\lin720\itap0\pararsid922755\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid922755\charrsid12134109 Kredit Usaha Rakyat (KUR) produk BRI Syariah
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid922755\charrsid12134109 \hich\af0\dbch\af0\loch\f0 1)\tab}}\pard \ltrpar\s19\qj \fi-360\li993\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin993\itap0\pararsid922755\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid922755\charrsid12134109 Mikro 25 iB
\par }\pard \ltrpar\s19\qj \li993\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin993\itap0\pararsid922755\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid922755\charrsid12134109 
Mikro 25 iB merupakan produk pembiayaan Kredit Usaha Rakyat yang ditujukan kepada masyarakat untuk membantu masya
rakat dalam mengembangkan usaha yang ia miliki. Mikro 25 iB merupakan pembiayaanan kredit yang diberikan oleh BRI Syariah kepada nasabahnya dengan jumlah uang sebesar Rp 5.000.000,00 s.d 25.000.000,00. Pembiayaan mikro 25 iB tersebut terdapat margin yang 
sudah ditetapkan yaitu sebesar 1,2%.
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid922755\charrsid12134109 \hich\af0\dbch\af0\loch\f0 2)\tab}}\pard \ltrpar\s19\qj \fi-360\li993\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin993\itap0\pararsid922755\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid922755\charrsid12134109 Mikro 75 iB
\par }\pard \ltrpar\s19\qj \li993\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin993\itap0\pararsid922755\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid922755\charrsid12134109 
Mikro 75 iB merupakan produk pembiayaan Kredit Usaha Rakyat yang ditujukan kepada masyarakat untuk membantu masyarakat dalam mengembangkan usaha yang ia miliki. Mikro 75 iB merupakan pembiayaan kredit yang di
berikan oleh BRI Syariah kepada nasabahnya dengan jumlah uang sebesar Rp 25.000.000,00 s.d 75.000.000,00. Dengan pembiayaan mikro 75 iB tersebut terdapat margin yang sudah ditetapkan yaitu sebesar 1%.
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid922755\charrsid12134109 \hich\af0\dbch\af0\loch\f0 3)\tab}}\pard \ltrpar\s19\qj \fi-360\li993\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin993\itap0\pararsid922755\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid922755\charrsid12134109 Mikro 500 iB
\par }\pard \ltrpar\s19\qj \li993\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin993\itap0\pararsid922755\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid922755\charrsid12134109 
Mikro 500 iB merupakan produk pembiayaan K
redit Usaha Rakyat yang ditujukan kepada masyarakat untuk membantu masyarakat dalam mengembangkan usaha yang ia miliki. Mikro 200 iB merupakan pembiayaan kredit yang diberikan oleh BRI Syariah kepada nasabahnya dengan jumlah uang sebesar Rp 75.000.000,00 
s.d 500.000.000,00. Apabila nasabah melakukan pembiayaan Kredit Usaha Rakat dengan mengambik mikro 500 iB, maka nasabah terkena margin sebesar 0.9%.
\par }\pard\plain \ltrpar\qj \fi720\li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Dari kedua macam pembiayaan Kredit Usaha Rakyat tersebut masyarakat banyak yang memilih menggunakan pembiaya
an Mikro iB daripada KUR Mikro iB. Hal tersebut dikarenakan apabila nasabah menggunakan pembiayaan Mikro iB marginnya murah dan tidak banyak biaya pada saat melakuka proses peminjaman. Akan tetapi apabila nasabah saat itu sudah melakukan peminjaman dan in
g
in menambah pinjaman lagi maka nasabah tidak bisa untuk melakukan pinjaman lagi, hal tersebut terjadi karena sudah terdapat kebijakan dari BRI Syariah apabila nasabah sedang menggunakan pembiayaan Mikro iB maka nasabah tersebut tidak akan bisa melakukan p
e
minjaman lagi selama peminjaman yang sudah dilakukan belum lunas. Dan apabila nasabah tersebut sudah selesai dalam melakukan kewajiban dengan mengangsur tiap bulannya (lunas), maka nasabah harus menunggu selama dua bulan setelah angsuranya lunas kemudian 
nasabah bisa melakukan peminjaman lagi. kelebihan dari Mikro iB yaitu margin yang sudah ditetapkan rendah
\par }\pard \ltrpar\qj \fi720\li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
Akan tetapi apabila nasabah melakukan pembiayaan Kredit Usaha Rakyat (KUR) dengan memilih KUR Mikro iB maka nasabah akan terkena margin setara dengan 7
% pertahunnya. Apabila nasabah yang melakukan pinjaman dengan menggunakan KUR Mikro iB dan nasabah tersebut belum lunas dan ingin melakukan pinjaman lagi maka nasabah bisa melakukannya. Kelebihan dari KUR Mikro iB tersebut yaitu apabila nasabah yang sedan
g melakukan pinjaman dan angsurannya belum selesai maka nasabah tersebut bisa untuk menambah pinjaman lagi apabila pihak bank menyetujui dan nasabah memenuhi syarat untuk melakukan peminjaman.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 

\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10163396 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid922755 2.2 Penelitian Lainnya
\par }\pard \ltrpar\qj \fi567\li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10163396 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14174063\charrsid12134109 (Mardani, 2014)}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid14174063  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11475753 menyatakan bahwa }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14174063\charrsid12134109 harta da
pat diartikan sebagai sesuatu yang dapat dimanfaatkan dalam perkara yang legal menurut hukum islam, seperti bisnis, pinjaman, konsumsi, dan juga pembiayaan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11475753 . }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid2252809 (Kasmir, 2009)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11475753  berpendapat bahwa }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2252809 
bank menurut penentuan harga dibagi menjadi dua macam, yaitu bank konvensional dan bank yang berdasarkan pada prinsip syariah. Hal utama yang membedakan antara bank konvensional dan bank syariah  yaitu dalam penentuan harga jual maupun harga beli. Dalam 
bank konvensional penentuan harga selalu didasarkan pada bunga, sedangkan bank syariah didasarkan pada konsep Islam. Konsep }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3094114 Islam adalah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2252809  ke}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3094114 rja sama dalam skema bagi hasil pada saat}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2252809  untung maupun rugi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11475753 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15556992  (Ismail, 2011)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11475753  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15556992 Bank syariah merupakan 
segala sesuatu yang menyangkut tentang bank syariah dan unit usaha syariah. Misalnya kelembagaan, kegiatan usaha, serta cara dan proses dalam melaksanakan suatu kegiatan usaha. Bank syariah berfungsi sebagai penghimpun dana da
ri masyarakat dalam bentuk titipan dan investasi dari pihak pemilik dana. Selain itu bank berfungsi sebagai penyalur dana kepada pihak lain yang membutuhkan dana dalam bentuk jual beli maupun kerja sama dalam usaha.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13069356  Menurut (Arifin, 2009) perbedaan pokok antara bank konvensional dan bank syariah yaitu tentang larangan riba (bunga) untuk perbankan syariah. Dalam  islam tidak diperbolehkan riba, sedangkan untuk jual beli dihalalkan.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid2455106 
\par }\pard \ltrpar\qj \fi567\li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2455106 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10163396 Menurut }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3502180 Ascarya (2006) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9707197 terdapat}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3502180  tiga macam}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9707197  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9707197 produk yang ada didalam perbankan syariah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3502180 , yaitu: (1) pendanaan, yakni produk pendanaan yang ditawarkan oleh perbankan syariah 
meliputi giro, tabungan dan investasi. Akad yang digunakan dalam pendanaan yaitu }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid3502180 wadiah, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6236943 dan }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid6236943 mudharabah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6236943 . (2)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3502180  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9707197 
pembiayaan, yakni produk pembiayaan yang ditawarkan oleh perbankan syariah untuk memenuhi kebutuhan usaha. Akad yang digunakan unruk produk pembiayaan yaitu }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid9707197 murabahah, musyarokah, }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9707197 dan IMBT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10163396 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9707197 
 (3) jasa, yakni produk yang ditawarkan oleh perbankan syariah untuk memenuhi kebutuhan usaha maupun pribadi, misalnya jasa produk, jasa operasional, dan jasa investasi.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2455106  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2455106\charrsid12134109 Menurut Karim (2010) margin keuntungan adalah presentase tertentu yang ditetapkan per tahun}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2455106 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3690578 Menurut Undang-Undang Nomor 21 tahun 2008 tentang perbankan syariah yang dimasud dengan pembiayaan yaitu penyediaan dana atau tagihan yang dipersamakan dengan itu berupa:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3690578\charrsid2455106 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid3690578 \hich\af0\dbch\af0\loch\f0 1)\tab}}\pard\plain \ltrpar\s19\qj \fi-360\li993\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin993\itap0\pararsid3690578\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid3690578 Transaksi bagi hasil dalam bentuk }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid3690578\charrsid9254081 mudhorobah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3690578  dan }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid3690578 musharokah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3690578\charrsid9254081 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid3690578 \hich\af0\dbch\af0\loch\f0 2)\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3690578 Transaksi sewa menyewah dalam bentuk }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid3690578 ijarah }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3690578 atau sewa beli dalam bentuk }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid3690578 ijarah muntahiyah bittamlik.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid3690578\charrsid9254081 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid3690578 \hich\af0\dbch\af0\loch\f0 3)\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3690578 Transaksi jual beli dalam bentuk piutang }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid3690578 murabahah, salam }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3690578 dan }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid3690578 istishah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3690578\charrsid9254081 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid3690578 \hich\af0\dbch\af0\loch\f0 4)\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3690578 Transaksi pinjam meminjam dalam bentuk piutang }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid3690578 qardh}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3690578\charrsid9254081 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid3690578 \hich\af0\dbch\af0\loch\f0 5)\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3690578 Transaksi sewa menyewa jasa dalam bentuk }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid3690578 ijarah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3690578  untuk transaksi multijasa.
\par }\pard\plain \ltrpar\qj \fi567\li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8874311 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3690578 (Mardani, 2014) berpendapat bahwa jual beli }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid3690578 murabahah }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3690578\charrsid3690578 
adalah jual beli suatu barang dengan memberitahukan harga belinya kepada pembeli dan pembeli membayarnya dengan harga yang lebih sebagai laba.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3690578  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8874311 (Bank Rakyat Indonesia Syariah, 2017) terdapat dua macaam produk pembiayaan KUR, yaitu KUR Mikro iB dan Mikro iB. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3690578 
Pada BRI Syariah KC Malang, produk pembiayaan KUR yang ditawarksn oleh bank dilakukan dengan menggunakan akad }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid3690578 murabahah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3690578 
. Pembiayaan KUR di BRI Syariah KC Malang terdapat dua macam produk, yaitu produk dari pemerintah dan juga roduk dari BRI Syariah. Produk dari pemerintah disebut dengan KUR Mikro iB, sedangkan produk dari BRI Syariah disebut dengan Mikro iB. pada pem
biayaan Mikro iB terdapat 3 macam, yaitu Mikro 25 iB, Mikro 75 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7493493 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3690578 B, dan Mikro 500 iB.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3690578\charrsid3690578 
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid3690578 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid922755 3. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid11171973 METODOLOGI}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid11171973\charrsid12134109 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\dbch\af0\insrsid11171973\charrsid922755 \hich\af0\dbch\af0\loch\f0 3.1\tab}}\pard\plain \ltrpar\s19\qj \fi-360\li360\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls15\ilvl1\adjustright\rin0\lin360\itap0\pararsid922755\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\insrsid11171973\charrsid922755 Metode Penelitian
\par }\pard\plain \ltrpar\qj \fi567\li284\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid4785787 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Penelitian yang dilakukan adalah penelitian dengan menggunakan pendekatan kualitatif. Dalam penelitian ini pembahasan akan menitik beratkan
 pada apa saja faktor-faktor yang mempengaruhi nasabah dalam mengambil kredit Mikro }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
B pada BRI Syariah KC Malang. Di mana penelitian ini merupakan penelitian dengan menggunakan data primer dan data skunder. Data primer didapat dengan cara wawancara, sedangkan data sekunder didapat melalui berbagai sumber tidak langsung}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4785787\charrsid12134109 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\dbch\af0\insrsid11171973\charrsid922755 \hich\af0\dbch\af0\loch\f0 3.2\tab}}\pard\plain \ltrpar\s19\qj \fi-360\li360\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls15\ilvl1\adjustright\rin0\lin360\itap0\pararsid922755\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\insrsid11171973\charrsid922755 Metode Pengumpulan Data
\par }\pard\plain \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Pada penelitian ini peneliti menggunakan metode pengumpulan data dengan cara:
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 a.\tab}}\pard\plain \ltrpar\s19\qj \fi-360\li720\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls13\adjustright\rin0\lin720\itap0\pararsid11171973\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Metode Dokumentasi
\par }\pard \ltrpar\s19\qj \li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3690578\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
Dilakukan dengan cara mengumpulkan data berdasarkan data-data atau laporan yang berkaitan dengan masalah penelitian.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid922755\charrsid3690578 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 b.\tab}}\pard \ltrpar\s19\qj \fi-360\li720\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls13\adjustright\rin0\lin720\itap0\pararsid11171973\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Metode Wawancara
\par }\pard \ltrpar\s19\qj \li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid922755\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
peneliti mengadakan wawancara dengan pegawai BRI Syariah KC Malang terutama pada pihak AOM }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 (Accounting Officer Micro)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973\charrsid12134109  yaitu yang bertugas untuk melakukan proses pemasaran produk mikro di BRI Syariah.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid922755  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973\charrsid922755 Penelitian dilakukan }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid922755\charrsid922755 pada bulan Mei \endash  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid922755 
Juli 2018  di Bank Rakyat Indonesia Syar}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid922755\charrsid922755 iah (BRIS) Kantor Cabang Malang.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid922755 
\par 
\par }\pard \ltrpar\s19\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid922755\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid922755 4. }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\insrsid11171973 PEMBAHASAN}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid922755 
\par }\pard \ltrpar\s19\qj \fi633\li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid922755\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
Menurut Undang-Undang Republik Indonesia Nomor 21 Tahun 2008 Tentang Perb
ankan Syariah pada Bab 1 pasal 1 dan ayat 7 menjelaskan bahwa Bank Syariah adalah Bank yang menjalankan kegiatan usahanya menggunakan prinsip-prinsip syariah dan menurut jenisnya terbagi menjadi dua bagian, yaitu Bank Umum Syariah dan Bank Pembayaan Rakya
t Syariah. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1076804 (Kasmir, 2009) berpendapat bahwa bank menurut penentuan harga dibagi menjadi dua macam, yaitu bank konvensional dan bank yang berdasarkan pada prinsip syariah. Hal utama yang mem
bedakan antara bank konvensional dan bank syariah  yaitu dalam penentuan harga jual maupun harga beli. Dalam bank konvensional penentuan harga selalu didasarkan pada bunga, sedangkan bank syariah didasarkan pada konsep Islam. Konsep Islam adalah ke
rja sama dalam skema bagi hasil pada saat untung maupun rugi. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Terdapat banyak pendapat 
mengenai pengertian perbankan syariah dan semua definisi dan pengertiannya tersebut mengacu atau berdasarkan pada konsep dan isi dari Al-Qur\rquote an, Hadist, Qyas dan Ijma\rquote 
 para ulama-ulama. Secara garis besar produk yang telah ditawarkan oleh perbankan syariah menjadi tiga bagian besar, yaitu:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid11171973\charrsid922755 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 a.\tab}}\pard \ltrpar\s19\qj \fi-360\li993\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin993\itap0\pararsid11171973\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Produk penghimpun dana (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid11171973\charrsid12134109 funding}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 )
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 b.\tab}Produk penyalur dana (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 financing}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 )
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 c.\tab}Produk penawaran jasa
\par }\pard\plain \ltrpar\qj \fi567\li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15556992 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Adapun yang termasuk dalam katagori penghimpun dana (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 funding}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973\charrsid12134109 ) adalah tabungan, deposito dan juga giro. Produk penyalur dana (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 financing}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973\charrsid12134109 ) yaitu yang memiliki hubungan kuat dengan pembiayaan. Fungsi dalam menawarkan produk pelayanan jasa, bank syariah akan memperoleh pendapatan yang berupa }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid11171973\charrsid12134109 fee. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Menurut Undang-Undang Nomor 21 tahun 2008 tentang perbankan syariah yang dimasud dengan pembiaya
an yaitu penyediaan dana atau tagihan yang dipersamakan dengan itu berupa:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4785787\charrsid15556992 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 1)\tab}}\pard\plain \ltrpar\s19\qj \fi-360\li1134\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls18\adjustright\rin0\lin1134\itap0\pararsid4785787\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Transaksi bagi hasil dalam bentuk }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 mudhorobah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973\charrsid12134109  dan }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 musharokah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4785787\charrsid4785787 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid4785787 \hich\af0\dbch\af0\loch\f0 2)\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid4785787 Transaksi sewa menyewah dalam bentuk }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid4785787 ijarah }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid4785787 atau sewa beli dalam bentuk }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid11171973\charrsid4785787 ijarah muntahiyah bittamlik.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4785787\charrsid4785787 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid4785787 \hich\af0\dbch\af0\loch\f0 3)\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid4785787 Transaksi jual beli 
dalam bentuk piutang }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid4785787 murabahah, salam }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid4785787 dan }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid11171973\charrsid4785787 istishah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4785787\charrsid4785787 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid4785787 \hich\af0\dbch\af0\loch\f0 4)\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid4785787 
Transaksi pinjam meminjam dalam bentuk piutang }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid4785787 qardh}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4785787\charrsid4785787 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid4785787 \hich\af0\dbch\af0\loch\f0 5)\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid4785787 
Transaksi sewa menyewa jasa dalam bentuk }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid4785787 ijarah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid4785787  untuk transaksi multijasa.
\par }\pard \ltrpar\s19\qj \li993\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin993\itap0\pararsid922755\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid922755\charrsid12134109 
\par }\pard\plain \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid922755\charrsid922755 4.1 Kredit Usaha Rakyat (KUR)
\par }\pard \ltrpar\qj \fi567\li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid922755 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
Pada BRI Syariah terdapat dua macam produk Kredit Usaha Rakyat (KUR), yaitu produk dari pemerintah dan juga produk dari BRI Syariah. Produk dari pemerintah disebut dengan KUR Mikro iB, sedangkan produk dari BRI Syariah disebut dengan Mikro iB
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 a)\tab}}\pard\plain \ltrpar\s19\qj \fi-360\li709\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin709\itap0\pararsid7826059\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 KUR Mikro iB Produk Pemerintah
\par }\pard \ltrpar\s19\qj \fi425\li709\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid7826059\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
KUR mikro iB merupakan pr
oduk dari pemerintah untuk memberikan pinjaman kepada nasabah yang mempunyai usaha dan ingin mengembangkan usaha yang ia miliki. Dalam melakukan peminjaman bank hanya memberikan pembiayaannya dengan jumlah maksimal Rp 25.000.000 per nasabah yang melakukan
 peminjaman. KUR mikro iB tersebut terdapat margin setara 7% pertahunnya.
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 b)\tab}}\pard \ltrpar\s19\qj \fi-360\li709\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin709\itap0\pararsid7826059\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Kredit Usaha Rakyat (KUR) produk BRI Syariah}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7826059  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7826059\charrsid12134109 untuk memberikan pinjaman kepada nasabah yang mempunyai usaha dan ingin mengembangkan usaha yang ia miliki}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7826059 . Produk KUR dari BRI Syariah adalah Mikro 25 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11475753 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7826059 B, Mikro 75 }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid11475753 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7826059 B, dan Mikro 500 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11475753 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7826059 
B. berikut ini merupakan daftar pembiayaan KUR pada BRI Syariah:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 
\par }\pard\plain \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13069356 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13069356 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13069356\charrsid13069356 
\par }\pard \ltrpar\ql \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Tabel}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7826059  1.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109  Daftar Peminjaman KUR Bank BRI Syariah
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts21\trgaph108\trrh827\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr
\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1134\clshdrawnil \cellx1134\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1560\clshdrawnil \cellx2694\clvertalc\clbrdrt
\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1559\clshdrawnil \cellx4253\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 
\cltxlrtb\clftsWidth3\clwWidth2693\clshdrawnil \cellx6946\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2299\clshdrawnil \cellx9245\pard\plain \ltrpar
\qc \li0\ri0\sl360\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 Jenis\cell Limit pembiayaan\cell Tenor\cell Jaminan\cell Dokumen anggunan\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 
\af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 \trowd \irow0\irowband0\ltrrow\ts21\trgaph108\trrh827\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl
\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr
\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1134\clshdrawnil \cellx1134\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1560\clshdrawnil \cellx2694\clvertalc\clbrdrt
\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1559\clshdrawnil \cellx4253\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 
\cltxlrtb\clftsWidth3\clwWidth2693\clshdrawnil \cellx6946\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2299\clshdrawnil \cellx9245\row \ltrrow
}\trowd \irow1\irowband1\ltrrow\ts21\trgaph108\trrh1056\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr
\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1134\clshdrawnil \cellx1134\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1560\clshdrawnil \cellx2694\clvertalc\clbrdrt
\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1559\clshdrawnil \cellx4253\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 
\cltxlrtb\clftsWidth3\clwWidth2693\clshdrawnil \cellx6946\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2299\clshdrawnil \cellx9245\pard\plain \ltrpar
\ql \li0\ri0\sl360\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 KUR Mikro iB\cell s.d Rp. 25 Juta\cell 6-60 Bulan\cell Agunan tidak wajib\cell }\pard \ltrpar\qc \li0\ri0\sl360\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid11171973\charrsid12134109 -\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 \trowd \irow1\irowband1\ltrrow\ts21\trgaph108\trrh1056\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb
\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 \trftsWidth1\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1134\clshdrawnil \cellx1134\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr
\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1560\clshdrawnil \cellx2694\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1559\clshdrawnil \cellx4253\clvertalc\clbrdrt
\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2693\clshdrawnil \cellx6946\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 
\cltxlrtb\clftsWidth3\clwWidth2299\clshdrawnil \cellx9245\row \ltrrow}\trowd \irow2\irowband2\ltrrow\ts21\trgaph108\trrh972\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv
\brdrs\brdrw10 \trftsWidth1\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1134\clshdrawnil \cellx1134\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1560\clshdrawnil \cellx2694
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1559\clshdrawnil \cellx4253\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr
\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2693\clshdrawnil \cellx6946\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2299\clshdrawnil \cellx9245\pard\plain \ltrpar
\ql \li0\ri0\sl360\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 Mikro 25 iB\cell 5 s.d 25 juta\cell 3-12 bulan\cell Tanpa anggunan\cell }\pard \ltrpar\qc \li0\ri0\sl360\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \b\insrsid11171973\charrsid12134109 -\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 \trowd \irow2\irowband2\ltrrow\ts21\trgaph108\trrh972\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb
\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 \trftsWidth1\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1134\clshdrawnil \cellx1134\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr
\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1560\clshdrawnil \cellx2694\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1559\clshdrawnil \cellx4253\clvertalc\clbrdrt
\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2693\clshdrawnil \cellx6946\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 
\cltxlrtb\clftsWidth3\clwWidth2299\clshdrawnil \cellx9245\row \ltrrow}\trowd \irow3\irowband3\ltrrow\ts21\trgaph108\trrh2486\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv
\brdrs\brdrw10 \trftsWidth1\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1134\clshdrawnil \cellx1134\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1560\clshdrawnil \cellx2694
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1559\clshdrawnil \cellx4253\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr
\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2693\clshdrawnil \cellx6946\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2299\clshdrawnil \cellx9245\pard\plain \ltrpar
\ql \li0\ri0\sl360\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 Mikro 75 iB\cell 25 s.d 75 juta\cell 6-36 bulan (modal kerja)
\par 6-60 bulan (investasi)\cell Kendaraan bermotor, kios, los tanah kosong, tanah & bangunan deposito BRI Syariah\cell SHM, SHGB, SHMSRS, AJB/Letter C/Girik. Petok D, BPKB,SHPTU/SIPTU,Gadai deposito\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 
\trowd \irow3\irowband3\ltrrow\ts21\trgaph108\trrh2486\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr
\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1134\clshdrawnil \cellx1134\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1560\clshdrawnil \cellx2694\clvertalc\clbrdrt
\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1559\clshdrawnil \cellx4253\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 
\cltxlrtb\clftsWidth3\clwWidth2693\clshdrawnil \cellx6946\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2299\clshdrawnil \cellx9245\row \ltrrow
}\trowd \irow4\irowband4\lastrow \ltrrow\ts21\trgaph108\trrh2393\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr
\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1134\clshdrawnil \cellx1134\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1560\clshdrawnil \cellx2694\clvertalc\clbrdrt
\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1559\clshdrawnil \cellx4253\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 
\cltxlrtb\clftsWidth3\clwWidth2693\clshdrawnil \cellx6946\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2299\clshdrawnil \cellx9245\pard\plain \ltrpar
\ql \li0\ri0\sl360\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 Mikro 200 iB\cell > 75 Juta s.d 200 Juta\cell 6-60 Bulan\cell Kendaraan Bermotor, Kios, Los Tanah Kosong, Tanah & Bangunan Deposito BRI Syariah\cell SHM, SHGB, SHMSRS, SHPTU/SIPTU, BPKB, Gadai Deposito\cell 
}\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid11171973\charrsid12134109 \trowd \irow4\irowband4\lastrow \ltrrow\ts21\trgaph108\trrh2393\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr
\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1134\clshdrawnil \cellx1134\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1560\clshdrawnil \cellx2694\clvertalc\clbrdrt
\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth1559\clshdrawnil \cellx4253\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 
\cltxlrtb\clftsWidth3\clwWidth2693\clshdrawnil \cellx6946\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2299\clshdrawnil \cellx9245\row }\pard \ltrpar
\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Sumber: }{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid788018  HYPERLINK "http://www.brisyariah.co.id" }}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs22\f0\fs24\insrsid11171973\charrsid2455106 www.brisyariah.co.id}}}\sectd \ltrsect
\pgwsxn12240\pghsxn15840\pgnrestart\linex0\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid10312430\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
\par }\pard \ltrpar\qj \fi720\li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11938260 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
Pada pembiayaan mikro BRI Syariah menggunakan akad Murabahah (jual beli) dengan tujuan pembiayaan untuk modal kerja, investasi dan konsumsi (setinggi-tingginya 50% dari tujuan prosuktif 
nasabah). Pembiayaan mikro ini diperuntukkan bagi wiraswasta atau pengusaha yang lama usaha minimal 2 tahun untuk prosuk pembiayaan mikro, dan minimal enam (6) bulan untuk pembiayaan Kredit Usaha Rakyat (KUR) Untuk BI }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid11171973\charrsid12134109 Checking}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109  calon nasabah yang akan mengajukan pembiayaan harus dengan }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid11171973\charrsid12134109 Track Record Kolektibilitas}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
 lancar dan tidak terdaftar dalam DHN BI. Pembiayaan ini diberikan kepada calon nasabah dengan rentang umur Minimal 21 tahun atau telah menikah untuk usia lebih besar atau sama dengan 18 tahun. Maksimal 65 tahun pada saat}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid7826059  akhir jangka waktu Pembiayaan.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11938260\charrsid12134109 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\dbch\af0\insrsid11171973\charrsid7826059 \hich\af0\dbch\af0\loch\f0 4.2\tab}}\pard\plain \ltrpar\s19\ql \fi-360\li360\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\ilvl1\adjustright\rin0\lin360\itap0\pararsid7826059\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\insrsid11171973\charrsid7826059 Akad Murabahah 
\par }\pard\plain \ltrpar\qj \fi567\li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
Akad murabahah nerupakan akadu jual beli dimana pihak pemberi dana memberikan barang yang diinginkan oleh nasabahnya kemudian pihak pemberi dana memberikan barang yang diinginkan nasaba
h tersebut dengan harga beli ditambah dengan harga keuntungan yang sudah ditetapkan. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8874311 Menurut (Syafi\rquote I, 2001) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8874311 murabahah }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8874311  adalah jual beli barang pada harga asal ditambah dengan keuntungan yang sudah disepakati bersama. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
Akad murabahah akan sah bila kedua belah pihak yaitu pihak yang memberikan dana dan juga nasabah sama-sama menyetujuinya. Faqih dari mazhab Syafi,I, Nawawi (w. \lquote 676/1277) cukup menyatakan bahwa \'93
Murabahah adalah boleh tanpa ada penolakan sedikitpun.\'94 Jadi apabilah salah satu pihak mengalami keberatan sedikit maka akad murabahah yang dilakukan menjadi tidak sah dalam suatu pembiayaannya tersebut. Landasan Hukum Murabahah terdapat pada }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang1033\langfe1057\langfenp1057\insrsid11171973\charrsid12134109 Al-Quran.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang1033\langfe1057\langfenp1057\insrsid11171973\charrsid12134109 Ayat-ayat Al-Quran yang secara umum membolehkan jual beli, diantaranya adalah firman Allah:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
\par }\pard \ltrpar\qr \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 {\ltrch\fcs1 \af320\afs24\alang1033 \rtlch\fcs0 \f320\fs24\lang1025\langfenp1057\insrsid11171973\charrsid12134109 \'e6\'f3
\'c3\'f3\'cd\'f3\'e1\'f3\'f8 \'c7\'e1\'e1\'e5\'f5 \'c7\'e1\'fa\'c8\'f3\'ed\'fa\'da\'f3 \'e6\'f3\'cd\'f3\'d1\'f3\'f8\'e3\'f3 \'c7\'e1\'d1\'f6\'f8\'c8\'f3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
\par }\pard \ltrpar\qj \li284\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid11171973 {\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang1033\langfe1057\langfenp1057\insrsid11171973\charrsid12134109 
Artinya: \'93..dan Allah menghalalkan jual beli dan mengharamkan riba\'94 (QS.\~Al-Baqarah:275).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang1033\langfe1057\langfenp1057\insrsid11171973\charrsid12134109 Dan firma
n Allah:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
\par }\pard \ltrpar\qr \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 {\ltrch\fcs1 \af320\afs24\alang1033 \rtlch\fcs0 \f320\fs24\lang1025\langfenp1057\insrsid11171973\charrsid12134109 \'ed\'f3
\'c7\'c3\'f3\'ed\'f5\'f8\'e5\'f3\'c7 \'c7\'e1\'f3\'f8\'d0\'f6\'ed\'e4\'f3 \'c1\'f3\'c7\'e3\'f3\'e4\'f5\'e6\'c7 \'e1\'c7\'f3\'ca\'f3\'c3\'fa\'df\'f5\'e1\'f5\'e6\'c7 \'c3\'f3\'e3\'fa\'e6\'f3\'c7\'e1\'f3\'df\'f5\'e3 \'c8\'f3\'ed\'fa\'e4\'f3\'df\'f5\'e3 \'c8
\'f6\'c7\'e1\'fa\'c8\'f3\'c7\'d8\'f6\'e1\'f6 \'c5\'f6\'e1\'c7\'f3\'f8 \'c3\'f3\'e4\'fa \'ca\'f3\'df\'f5\'e6\'e4\'f3 \'ca\'f6\'cc\'f3\'c7\'d1\'f3\'c9\'f0 \'da\'f3\'e4 \'ca\'f3\'d1\'f3\'c7\'d6\'f2 \'e3\'f6\'f8\'e4\'df\'f5\'e3\'fa}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang1033\langfe1057\langfenp1057\insrsid11171973\charrsid12134109 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
\par }\pard \ltrpar\qj \li284\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid11171973 {\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang1033\langfe1057\langfenp1057\insrsid11171973\charrsid12134109 
Artinya: \'93Hai orang-orang yang beriman, janganlah kamu saling memakan harta sesamamu dengan jalan yang batil, kecuali dengan jalan perniagaan yang berlaku dengan suka sama suka diantara kamu\'94 (QS.\~An-Nisaa:29).
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 a.\tab}}\pard\plain \ltrpar\s19\qj \fi-426\li426\ri0\sa160\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls9\adjustright\rin0\lin426\itap0\pararsid11171973\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Perbedaan jual beli (Murabahah) pada bank syariah dan konvensional
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 1)\tab}}\pard \ltrpar\s19\qj \fi-360\li851\ri0\sa160\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls9\ilvl3\adjustright\rin0\lin851\itap0\pararsid11171973\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
Pada bank konvensional terdapat bantuan kredit untuk orang yang melakukan usaha. Oleh ka
rena itu bank menyerahkan sejumlah uang yang dibutuhkan oleh nasabah untuk kelangsungan usahanya. Selanjutnya untuk pinjaman uang tersebut bank meminta bunga yang dinyatakan dalam bentuk persen (%).
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 2)\tab}}\pard \ltrpar\s19\qj \fi-360\li851\ri0\sa160\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls9\ilvl3\adjustright\rin0\lin851\itap0\pararsid4785787\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Sedangkan pada bank Syariah juga terdapat bantuan kredit 
untuk orang yang sedang melakukan usaha. Pemberian kredit yang dilakukan BRI Syariah yaitu dengan menggunakan akad murabahah. Akad murabahah adalah akad jual beli barang dengan memberitahukan harga perolehan dan keuntungan (}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 margin}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 ) yang disepakati oleh pen
jual dan pembeli. Bank tidak memberikan uang kepada nasabah yang melakukan kredit, tetapi bank memberikan barang/jasa kepada nasabah atas apa yang sedang dibutuhkan untuk kelangsungan usaha yang sedang dijalaninya. Kemudian bank menjualnya kembali kepada 
nasabah. Untuk penjualan tersebut bank mendapatkan laba yang disebut dengan margin yang sudah dihitung dalam persen (%). Berikut ini tabel perbedaan antara bunga bank dan bagi hasil:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4785787\charrsid13069356 
\par }\pard\plain \ltrpar\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7826059 Tab}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7826059 l }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973\charrsid12134109 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7826059 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109  Perbedaan Bunga Bank dan Bagi Hasil
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts21\trgaph108\trrh578\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalb\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalb\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalb\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\pard\plain \ltrpar\qc \li0\ri0\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 No.\cell Bunga\cell Laba/margin = (penjualan-pokok)\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 
\ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 \trowd \irow0\irowband0\ltrrow\ts21\trgaph108\trrh578\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb
\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalb\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalb\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalb\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\row \ltrrow}\trowd \irow1\irowband1\ltrrow\ts21\trgaph108\trrh2400\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\pard\plain \ltrpar\ql \li0\ri0\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 1.\cell Perhitungan bunga ada 3 komponen, yaitu:
\par {\listtext\pard\plain\ltrpar \s19 \intbl\rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 a.\tab}}\pard\plain \ltrpar\s19\ql \fi-360\li459\ri0\sa160\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\ls8\ilvl3\adjustright\rin0\lin459\pararsid11171973\yts21\contextualspace \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid11171973\charrsid12134109 Presentase
\par {\listtext\pard\plain\ltrpar \s19 \intbl\rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 b.\tab}Waktu
\par {\listtext\pard\plain\ltrpar \s19 \intbl\rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 c.\tab}Pokok pinjaman
\par }\pard \ltrpar\s19\ql \li459\ri0\sl360\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin459\pararsid732895\yts21\contextualspace {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 Bunga = (a) x (b) x (c)\cell 
}\pard\plain \ltrpar\ql \li0\ri0\sl360\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 Perhitungan laba (margin) terdapat dua komponen, yaitu:
\par {\listtext\pard\plain\ltrpar \s19 \intbl\rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s19\ql \fi-360\li601\ri0\sa160\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\ls10\adjustright\rin0\lin601\pararsid11171973\yts21\contextualspace \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 Persentase
\par {\listtext\pard\plain\ltrpar \s19 \intbl\rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 (b)\tab}Harga pokok pinjaman
\par {\listtext\pard\plain\ltrpar \s19 \intbl\rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 (c)\tab}Margin/laba = (a) x (b)\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 
\trowd \irow1\irowband1\ltrrow\ts21\trgaph108\trrh2400\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\row \ltrrow}\trowd \irow2\irowband2\ltrrow\ts21\trgaph108\trrh722\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\pard\plain \ltrpar\ql \li0\ri0\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 2.\cell Komponen: (a) x (b) x (c) berubah\cell Komponen (a) (b) tidak berubah\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 
\af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 \trowd \irow2\irowband2\ltrrow\ts21\trgaph108\trrh722\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl
\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\row \ltrrow}\trowd \irow3\irowband3\ltrrow\ts21\trgaph108\trrh1425\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\pard\plain \ltrpar\ql \li0\ri0\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 3.\cell Waktu, slalu bertambah = beban slalu bertambah secara otomatis dan pasti\cell Beban ini tidak ada\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 
\trowd \irow3\irowband3\ltrrow\ts21\trgaph108\trrh1425\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\row \ltrrow}\trowd \irow4\irowband4\ltrrow\ts21\trgaph108\trrh1984\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\pard\plain \ltrpar\ql \li0\ri0\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 4.\cell Presentase bunga bisa berubah dipengaruhi oleh faktor internal dan eksternal bank (SBI naik , bunga kredit ikut naik)\cell Presentase tidak berubah\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 
\trowd \irow4\irowband4\ltrrow\ts21\trgaph108\trrh1984\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\row \ltrrow}\trowd \irow5\irowband5\ltrrow\ts21\trgaph108\trrh2111\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\pard\plain \ltrpar\ql \li0\ri0\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 5.\cell Bisa diubah secara sepihak oleh bank (dalam akad kredit ada klausula bank dapat mengubah bunga secara sepihak SUTS)\cell Tidak ada klausula sepakat untuk tidak sepakat (SUTS)\cell }\pard\plain \ltrpar
\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 \trowd \irow5\irowband5\ltrrow\ts21\trgaph108\trrh2111\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\row \ltrrow}\trowd \irow6\irowband6\ltrrow\ts21\trgaph108\trrh1702\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\pard\plain \ltrpar\ql \li0\ri0\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 6.\cell Bunga yang belum dibayar dapat menjadi pokok pinjaman atau bunga berubah (beban berlipat ganda)\cell Beban ini tidak ada\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 
\trowd \irow6\irowband6\ltrrow\ts21\trgaph108\trrh1702\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\row \ltrrow}\trowd \irow7\irowband7\ltrrow\ts21\trgaph108\trrh1550\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\pard\plain \ltrpar\ql \li0\ri0\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 7.\cell Kelambatan angsuran dikenakan bunga secara terus menerus bunga dibayar pokok tidak berkurang\cell Kelambatan beban angsuran tidak dikenakan beban angsuran\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 
\trowd \irow7\irowband7\ltrrow\ts21\trgaph108\trrh1550\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\row \ltrrow}\trowd \irow8\irowband8\ltrrow\ts21\trgaph108\trrh1543\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\pard\plain \ltrpar\ql \li0\ri0\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 8.\cell Kelambatan angsuran dikenakan denda yang dapat berlipat ganda\cell Kelambatan angsuran dapat dikenakan denda atau bisa juga tidak, tetapi beban tidak berlipat ganda\cell }\pard\plain \ltrpar
\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 \trowd \irow8\irowband8\ltrrow\ts21\trgaph108\trrh1543\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\row \ltrrow}\trowd \irow9\irowband9\ltrrow\ts21\trgaph108\trrh1692\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\pard\plain \ltrpar\ql \li0\ri0\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 9.\cell Denda, hasilnya masuk ke pendapatan bank\cell Denda, hasilnya tidak masuk kedalam pendapatan bank. Tetapi untuk kepentingan social (pahalanya bukan untuk bank)\cell }\pard\plain \ltrpar
\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 \trowd \irow9\irowband9\ltrrow\ts21\trgaph108\trrh1692\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\row \ltrrow}\trowd \irow10\irowband10\ltrrow\ts21\trgaph108\trrh837\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\pard\plain \ltrpar\ql \li0\ri0\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 10.\cell Akad tidak tunduk terhadap syariah\cell Akad sesuai syariah\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 
\af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 \trowd \irow10\irowband10\ltrrow\ts21\trgaph108\trrh837\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl
\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
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\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\row \ltrrow}\trowd \irow11\irowband11\ltrrow\ts21\trgaph108\trrh740\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid7826059\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\pard\plain \ltrpar\ql \li0\ri0\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 11.\cell Lebih berorientasi pada jaminan\cell Berorientasi pada barang /jasa yang dibeli atau yang dijual sesungguhnya (sektor rill)\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 
\trowd \irow11\irowband11\ltrrow\ts21\trgaph108\trrh740\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid7826059\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\row \ltrrow}\trowd \irow12\irowband12\ltrrow\ts21\trgaph108\trrh1539\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid7826059\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\pard\plain \ltrpar\ql \li0\ri0\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 12.\cell Proyek yang dibiayai tidak tunduk terhadap syariah, boleh membiayai usaha yang haram\cell Proyek yang dibiayai sesuai dengan syariah, tidak boleh membiayai usaha yang haram\cell }\pard\plain \ltrpar
\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 \trowd \irow12\irowband12\ltrrow\ts21\trgaph108\trrh1539\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid7826059\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\row \ltrrow}\trowd \irow13\irowband13\ltrrow\ts21\trgaph108\trrh1028\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid7826059\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\pard\plain \ltrpar\ql \li0\ri0\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 13.\cell Hasilnya haram (diperoleh dengan cara haram/sistim riba)\cell Hasilnya halal\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 
\rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 \trowd \irow13\irowband13\ltrrow\ts21\trgaph108\trrh1028\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid7826059\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\row \ltrrow}\trowd \irow14\irowband14\ltrrow\ts21\trgaph108\trrh970\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\pard\plain \ltrpar\ql \li0\ri0\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 14.\cell Diancam neraka kekal (QS. 2:275)\cell Tidak diancam tapi diridhoi\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 
\af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 \trowd \irow14\irowband14\ltrrow\ts21\trgaph108\trrh970\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl
\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\row \ltrrow}\trowd \irow15\irowband15\ltrrow\ts21\trgaph108\trrh559\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\pard\plain \ltrpar\ql \li0\ri0\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 15.\cell Berkah dicabut (QS, 2:275)\cell Tidak dicabut keberkahannya\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 
\af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 \trowd \irow15\irowband15\ltrrow\ts21\trgaph108\trrh559\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl
\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\row \ltrrow}\trowd \irow16\irowband16\lastrow \ltrrow\ts21\trgaph108\trrh836\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
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\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\pard\plain \ltrpar\ql \li0\ri0\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 16.\cell Diperangi Allah dan Rasul-Nya (QS, 2:275)\cell Tidak diancam tapi diridhai\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 
\rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 \trowd \irow16\irowband16\lastrow \ltrrow\ts21\trgaph108\trrh836\trleft0\trbrdrt
\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid2455106\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth717\clshdrawnil \cellx717\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth3727\clshdrawnil \cellx4444
\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4873\clshdrawnil \cellx9317\row }\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid4785787 Sumber: Mardani}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid11171973\charrsid4204034 , 2014}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\insrsid4785787\charrsid4204034 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\dbch\af0\insrsid11171973\charrsid4204034 \hich\af0\dbch\af0\loch\f0 4.3\tab}}\pard\plain \ltrpar\s19\qj \fi-360\li360\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls17\ilvl1\adjustright\rin0\lin360\itap0\pararsid4204034\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\insrsid11171973\charrsid4204034 Faktor-faktor yang mempengaruhi pembiayaan Mikro iB
\par }\pard\plain \ltrpar\qj \fi720\li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
Pembiayaan Mikro iB merupakan pembiayaan yang ada di dalam produk BRI Syariah KC Malang, dimana pembiayaan tersebut hanya dapat disalurkan kepada wirausaha yang memiliki usaha pribadi. Dengan adanya produk Mikro iB dapat memberi bantuan kepada wirausaha
 yang akan mengembangkan usahanya atau yang sedang kekurangan modal untuk membeli peralayan. Terdapat beberapa faktor nasabah memilih untuk menggunakan pembiayaan Mikro iB yaitu:
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 a.\tab}}\pard\plain \ltrpar\s19\qj \fi-284\li284\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls12\ilvl3\adjustright\rin0\lin284\itap0\pararsid11171973\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Prosesnya mudah dan cepat
\par }\pard\plain \ltrpar\qj \fi720\li284\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid11171973 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Di era yang modern seperti saat ini masyarakat lebi
h memilih untuk menggunakan segalah sesuatu yang instan, cepat dan tidak membutuhkan waktu yang lama. Produk Mikro iB banyak diminati oleh wirausaha karena proses yang mudah dan cepat. Nasabah lebih memilih menggunakan Mikro iB terebut karena persyaratann
y
a tidak terlalu rumit dan juga tidak membutuhkan waktu yang lama. Selain itu aturan atau prosedur yang digunakan dalam pembiayaan Mikro iB mudah, sehingga banyak masyarakat yang lebih memilih untuk melakukan pembiayaan Mikro iB dari pada KUR Mikro iB. Den
gan prosedur yang mudah dan cepat nasabah menjadi tertarik untuk melakukan peminjaman Mikro iB untuk mengembangkan usaha yang dimilikinya.
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0 \ltrch\fcs0 \dbch\af0\insrsid11171973\charrsid12134109 \hich\af0\dbch\af0\loch\f0 b.\tab}}\pard\plain \ltrpar\s19\qj \fi-284\li284\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls12\ilvl3\adjustright\rin0\lin284\itap0\pararsid11171973\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Marginnya Rendah
\par }\pard\plain \ltrpar\qj \fi709\li284\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid11171973 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Menurut Karim (2010) margin keuntungan adalah presentase tertentu yang ditetapkan per tahun. Margin m
erupakan salah satu faktor yang membuat masyarakat untuk memilih menggunakan pembiayan Mikro iB, karena pada pembiayaan Mikro iB margin yang ditetapkan lebih rendah daripada KUR Mikro iB. Pembiayaan Mikro iB dibagi menjadi 3 jenis, yaitu Mikro 25 iB, Mikr
o
 75 iB dan Mikro 500 iB. Pada pembiayaan Mikro 25 iB margin yang dikenakan sebesar 1,2%, pembiayaan Mikro 75 iB besarnya margin 1%, dan pada pembiayaan Mikro 500 iB margin yang dikenakan sebesar 0,9%. Sedangkan margin yang ditetapkan untuk pembiayaan KUR 
M
ikro iB yaitu sebesar 7%. Dengan rendahnya margin yang ditetapkan untuk pembiayaan Mikro iB membuat masyarakat tertarik untuk melakukan pembiayaan Mikro iB daripada KUR Mikro iB untuk mengembangkan usahanya. Nasabah lebih memilih margin yang rendah karena
 tambahan biaya pada saat melakukan iuran wajib tiap bulannya sedikit, sehingga nasabah tidak merasa keberatan untuk membayar iuran wajib tiap bulannya sesuai dengan tenor yang di sepakati di awal perjanjian
\par }\pard \ltrpar\qj \fi709\li284\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid4204034 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Akan tetapi kekurangan dari Mikro iB
 adalah pada saat pembiayaan yang diambil belum selesai nasabah tidak bisa menambah pembiayaan lagi. Apabila nasabah ingin melakukan pembiayaan lagi, maka nasabah harus menunggu selama 2 bulan setelah jangka waktu pembiayaan yang pertama selesai untuk bis
a mengambil pembiayaan lagi. Sedangkan pada pembiayaan KUR Mikro iB nasabah bisa menambah pembiayaan lagi meskipun pembiayaan yang pertama masi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4204034 h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973\charrsid12134109  belum habis jangka waktunya. Pada produk pembiayaan BRI Syariah menawarkan 3 macam jenis plafon yang dapat dilakukan. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4204034 
\par }\pard \ltrpar\qj \fi-284\li284\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid4204034 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4204034 Tabel 3.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973\charrsid12134109  Produk Pembiayaan Mikro iB
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts21\trgaph108\trrh418\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 
\clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2866\clshdrawnil \cellx2866\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4299\clshdrawnil \cellx7165\clvertalc
\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2149\clshdrawnil \cellx9314\pard\plain \ltrpar\qc \li0\ri0\sb100\sbauto1\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 Produk\cell Pagu (Juta)\cell Tenor\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 \trowd \irow0\irowband0\ltrrow\ts21\trgaph108\trrh418\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb
\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 
\clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2866\clshdrawnil \cellx2866\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4299\clshdrawnil \cellx7165\clvertalc
\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2149\clshdrawnil \cellx9314\row \ltrrow}\trowd \irow1\irowband1\ltrrow\ts21\trgaph108\trrh633\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl
\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 
\clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2866\clshdrawnil \cellx2866\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4299\clshdrawnil \cellx7165\clvertalc
\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2149\clshdrawnil \cellx9314\pard\plain \ltrpar\qc \li0\ri0\sb100\sbauto1\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 Mikro 25 iB\cell }\pard \ltrpar\qc \li176\ri0\sb100\sbauto1\sl360\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin176\pararsid732895\yts21 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 5.000.000 s.d 25.000.000\cell }\pard \ltrpar\qc \li0\ri0\sb100\sbauto1\sl360\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 6-36 bulan\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 \trowd \irow1\irowband1\ltrrow\ts21\trgaph108\trrh633\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb
\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 
\clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2866\clshdrawnil \cellx2866\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4299\clshdrawnil \cellx7165\clvertalc
\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2149\clshdrawnil \cellx9314\row \ltrrow}\trowd \irow2\irowband2\ltrrow\ts21\trgaph108\trrh583\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl
\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 
\clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2866\clshdrawnil \cellx2866\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4299\clshdrawnil \cellx7165\clvertalc
\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2149\clshdrawnil \cellx9314\pard\plain \ltrpar\qc \li0\ri0\sb100\sbauto1\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 Mikro 75 iB\cell }\pard \ltrpar\qc \li176\ri0\sb100\sbauto1\sl360\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin176\pararsid732895\yts21 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 25.000.000 s.d 75.000.000\cell }\pard \ltrpar\qc \li0\ri0\sb100\sbauto1\sl360\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 6-36 bulan\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 \trowd \irow2\irowband2\ltrrow\ts21\trgaph108\trrh583\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb
\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 
\clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2866\clshdrawnil \cellx2866\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4299\clshdrawnil \cellx7165\clvertalc
\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2149\clshdrawnil \cellx9314\row \ltrrow}\trowd \irow3\irowband3\lastrow \ltrrow\ts21\trgaph108\trrh562\trleft0\trbrdrt\brdrs\brdrw10 
\trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 
\clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2866\clshdrawnil \cellx2866\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4299\clshdrawnil \cellx7165\clvertalc
\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2149\clshdrawnil \cellx9314\pard\plain \ltrpar\qc \li0\ri0\sb100\sbauto1\sl360\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 Mikro 500 iB\cell }\pard \ltrpar\qc \li176\ri0\sb100\sbauto1\sl360\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin176\pararsid732895\yts21 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 75.000.000 s.d 500.000.000\cell }\pard \ltrpar\qc \li0\ri0\sb100\sbauto1\sl360\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid732895\yts21 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11171973\charrsid12134109 6-60 bulan\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11171973\charrsid12134109 \trowd \irow3\irowband3\lastrow \ltrrow\ts21\trgaph108\trrh562\trleft0\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb
\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid732895\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind108\tblindtype3 \clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 
\clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2866\clshdrawnil \cellx2866\clvertalc\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth4299\clshdrawnil \cellx7165\clvertalc
\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth2149\clshdrawnil \cellx9314\row }\pard \ltrpar\ql \li0\ri0\sa200\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Sumber: }{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid788018 
 HYPERLINK "http://www.brisyariah.co.id" }}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs22\f0\fs24\insrsid11171973\charrsid2455106 www.brisyariah.co.id}}}\sectd \ltrsect
\pgwsxn12240\pghsxn15840\pgnrestart\linex0\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid10312430\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs22\f0\fs24\ul\cf17\insrsid3690578 
\par }\pard \ltrpar\qj \fi567\li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4785787 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs22\f0\fs24\insrsid2455106\charrsid2455106 Pada }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \cs22\f0\fs24\insrsid2455106 produk }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs22\f0\fs24\insrsid2455106\charrsid2455106 pembiayaan Mikro }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs22\f0\fs24\insrsid2455106 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\cs22\f0\fs24\insrsid2455106\charrsid2455106 B}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs22\f0\fs24\insrsid2455106 
 jangka waktu pembiayaan yang dapat diambil memiliki perbedaan pada seitan jenis produknya. Tenor atau jangka waktu yang bisa diambil yaitu paling sedikit 6 bulan dan paling lama 60 bulan atau 5 tahun. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf17\insrsid2455106\charrsid2455106 
\par }\pard \ltrpar\ql \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid11171973 BAB}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\insrsid11171973\charrsid12134109  V
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid11171973 KESIMPULAN}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid11171973\charrsid12134109 
\par }\pard \ltrpar\qj \fi720\li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
PT. BRI Syariah Kantor Cabang Malang merupakan salah satu bank syariah yang terletak di kota Malang. BRI Syariah mempunyai kewajiban yang sama
 dengan bank konvensional lainnya untuk menghimpun dana dari masyarakat dan menyalurkan kembali kepada masyarakat dalam bentuk pembiayaan. Akan tetapi yang membedakan antara bank syariah dengan bank konvensional yaitu pada bank konvensional menggunakan bu
nga, akan tetapi pada bank syariah menggunakan bagi hasil. Selain itu pelaksanaan pada perbankan syariah berlandaskan pasa prinsip-prinsip syariah.
\par Dalam BRI Syariah Kantor Cabang Malang terdapat berbagai produk pembiayaan, antara lain yaitu produk pembiaya
an Kredit Usaha Rakyat. Pembiayaan Kredit Usaha Rakyat tersebut digunakan untuk masyarakat yang mempunyai usaha dan ingin mengembangkan usahanya. Pada BRI Syariah Kantor Cabang Malang terdapat dua macam Pembiayaan Kredit Usaha Rakyat, antara lain Kredit U
s
aha Rakyat program pemerintah yaitu disebut dengan KUR Mikro iB, dan Kredit Usaha Rayat produk dari Bank BRI Syariah sendiri yang disebut dengan Mikro iB. Pada pembiayaan dengan menggunakan Kredit Usaha Rakyat tersebut terdapat akad yang digunakan supaya 
kredit yang dilakukan sah. Akad yang digunakan dalam melakukan pembiayaan KUR yaitu akad }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 murabahah.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973\charrsid12134109  Akad }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid12134109 murabahah }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 
adalah akad tentang jual beli, dimana bank membelikan barang yang diinginkan oleh nasabah kemudian bank menjual kembali barang tersebut kepada
 nasabah dengan menunjukkan harga pokoknya ditambah dengan besarnya keuntungan yang diperolehnya. Apabila kedua belapihak sepakat maka pembiayaan Kredit Usaha Rakyat dengan menggunakan akad }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid11171973\charrsid12134109 murabahah }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 tersebut dapat dilakukan
\par }\pard \ltrpar\qj \fi720\li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4785787 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid12134109 Pada pembiayaan KUR terdiri dar
i dua macam KUR Mikro iB dan Mikro iB, dimana Mikro iB terdiri atas 3 jenis pembiayaan, yaitu Mikro 25 iB dengan margin 1,2% pertahun, Mikro 75 iB dengan margin 1% per tahun dan juga Mikro 500 iB dengan margin 0,9% per tahun. Sedangkan KUR Mikro iB margin
n
ya yaitu sebesar 7% per tahun. Masyarakat banyak memilih menggunakan pembiayaan Kredit Usaha Rakyat (KUR) dengan menggunakan Mikro iB. Karena masyarakat memilih melakukan pembiayaan dengan margin yang sedikit daripada margin yang tinggi. Selain itu pada p
embiayaan Mikro iB tidak dikenakan banyak biaya di waktu awal melakukan peminjaman. Meskipun BRI Syariah memilih untuk mengeluarkan produk pembiayaan dengan margin yang sedikit, akan tetapi setiap bulan keuntungan  bank BRI Syariah mengalami kenaikan.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4785787\charrsid4785787 
\par }\pard \ltrpar\qj \fi720\li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid11171973 
\par }\pard \ltrpar\qc \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11171973 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid11171973\charrsid675469 DAFTAR RUJUKAN}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\insrsid11171973 
\par }\pard \ltrpar\ql \fi-567\li567\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid13069356 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13069356\charrsid1324722 Arifin, Zainul. 2009. }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid13069356\charrsid1324722 Dasar-Dasar Manajemen Bank Syariah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13069356\charrsid1324722 
. Tanggerang: Azkia Publisher. (Online), (https://books.google.co.id/books?id=UnvVCwAAQBAJ&printsec=frontcover&dq=Keunggulan+bank+syariah+daripada+bank+konvensional&hl=en&sa=X&ved=0ahUKEwj166mz0JLeAhUNSo8KHc80BG0Q6AEILDAA#
v=onepage&q=Keunggulan%20bank%20syariah%20daripada%20bank%20konvensional&f=false). D}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13069356 iakses tanggal 12 Oktober 2018.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13069356\charrsid13069356 
\par }\pard \ltrpar\ql \fi-567\li567\ri0\sl360\slmult1\widctlpar\tx6986\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid1394719 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8874311 Ascarya. 2011. }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid8874311 Akad dan Produk Bank Syariah. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8874311  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1394719 Jakarta: }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1394719\charrsid675469 PT. RajaGrafindo Persada}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1394719 
\par }\pard \ltrpar\ql \fi-567\li567\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid4785787 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4785787 Bank Rakyat Indonesia. 2017. }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid4785787 Daftar Peminjaman KUR}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid4785787\charrsid1394719  BRI Syariah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4785787 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4785787\charrsid675469  (online}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4785787\charrsid7078133 ), (}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4785787  HYPERLINK "https://www.brisyariah.co.id/" }
}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs22\fs24\loch\af0\hich\af0\dbch\af31501\insrsid4785787\charrsid2455106 \hich\af0\dbch\af31501\loch\f0 https://www.brisyariah.co.id/}}}\sectd \ltrsect
\pgwsxn12240\pghsxn15840\pgnrestart\linex0\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid10312430\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4785787\charrsid2455106 ), }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4785787\charrsid675469 diakses tanggal 02 Agustus 2018}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4785787 
\par }\pard \ltrpar\ql \fi-567\li567\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid11171973 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1394719 Bank Rakyat Indonesia. 2017. }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1076804\charrsid1394719 Produk}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid1394719  BRI Syariah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 .}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid675469  (online}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid7078133 ), (}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid788018  HYPERLINK "https://www.brisyariah.
co.id/" }}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs22\fs24\loch\af0\hich\af0\dbch\af31501\insrsid11171973\charrsid2455106 \hich\af0\dbch\af31501\loch\f0 https://www.brisyariah.co.id/}}}\sectd \ltrsect
\pgwsxn12240\pghsxn15840\pgnrestart\linex0\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid10312430\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid2455106 ), }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11171973\charrsid675469 diakses tanggal 02 Agustus 2018}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 
\par }\pard \ltrpar\ql \fi-567\li567\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid13069356 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13069356\charrsid1324722 Ismail. 2011. }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid13069356\charrsid1324722 Perbankan Syariah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13069356\charrsid1324722 
. Jakarta: Prenadamedia Group. (Online), (https://books.google.co.id/books?id=X9xDDwAAQBAJ&pg=PA30&dq=tabel+Keunggulan+bank+syariah+daripada+bank+konvensional&hl=en&sa=X&ved=0ahUKEwjo_eyg0ZLeAhVMpY8KHZ2oDl4Q6AEISjAE#v=onepage&q=tabel%20Keunggulan%20bank%2
0syariah%20daripada%20bank%20konvensional&f=false), d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13069356 iakses tanggal 12 Oktober 2018.
\par }\pard \ltrpar\ql \fi-567\li567\ri0\sl360\slmult1\widctlpar\tx6986\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid11171973 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid675469 Karim, Adiwarman.  2010. }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid675469 Bank Islam: Analisis Fiqih dan Keuangan.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid675469  Jakarta: PT. RajaGrafindo Persada}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid11171973 
\par }\pard \ltrpar\ql \fi-567\li567\ri0\sl360\slmult1\widctlpar\tx6986\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid8874311 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8874311 Kasmir.2009. }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid8874311 Bank dan Lembaga Keuangan Lainnyai. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8874311 Jakarta: }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8874311\charrsid675469 PT. RajaGrafindo Persada}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8874311\charrsid8874311 
\par }\pard \ltrpar\ql \fi-567\li567\ri0\sl360\slmult1\widctlpar\tx6986\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid4785787 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid675469 Mardani. 2014. }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11171973\charrsid675469 Hukum Bisnis Syariah.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973\charrsid675469  Jakarta: Prenada Media Grup}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11171973 

\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4785787 Syafi\rquote I Antonio, Muhammad. 2001. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid4785787 Bank Syariah: Dari Teori ke Pratik.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4785787  Jakarta: Gema Isnani}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4785787\charrsid4785787 
\par }\pard \ltrpar\qj \fi-567\li567\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid1394719 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1394719\charrsid1394719 
Undang-Undang Republik Indonesia Nomor 21 Tahun 2008 Tentang Perbankan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1394719\charrsid1394719 . (Online). (}{\field\flddirty{\*\fldinst {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1394719\charrsid1394719  HYPERLINK "https://www.ojk.go.id/id/kanal/perbankan/regulasi/undang-undang/Pages/undang-undang-nomor-21-tahun-2008-tentang-perbankan-syariah.aspx" }}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\cs22\f0\fs24\insrsid1394719\charrsid1394719 https://www.ojk.go.id/id/kanal/perbankan/regulasi/undang-undang/Pages/undang-undang-nomor-21-tahun-2008-tentang-perbankan-syariah.aspx}}}\sectd \ltrsect
\pgwsxn12240\pghsxn15840\pgnrestart\linex0\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid10312430\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1394719\charrsid1394719 ), diakses tanggal 16 November 2018}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid3231661 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4785787\charrsid1394719 
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