PENERAPAN JAMINAN ATAS PEMBIAYAAN MURABAHAH PADA PT. BANK MUAMALAT CABANG MALANG

Guarantee is something that is given to the bank in order to create bank confidence so that it can minimize the risk if there is a customer error that does not fulfill the obligation to pay installments, collateral also functions as a legal protection tool for bank security to overcome the risk that the debtor customer will repay the loan in time determined. The method used in data collection is by interviewing and documentation while the data analysis method used is a qualitative descriptive type. The purpose of this study is to describe the process of applying murabahah financing guarantees and risk-rehearsing that occurs when there is a problematic financing. The process of applying collateral must also meet the requirements both legally and economically in accordance with the policies stipulated by PT. Bank Muamalat Malang Branch. In Islamic banking the application of collateral for murabahah financing will not be approved before it is ascertained that the proposed financing is properly used for good and lawful activities