PENGEMBALIAN ASURANSI SAAT PELUNASAN DIPERCEPAT PEMBIAYAAN MURABAHAH PADA BANK SYARIAH MANDIRI CABANG PADANG

Abstract

Murabahah financing is the most preferred financing for customers at the Padang branch of Syari'ah Mandiri (BSM). In carrying out the financing, it is hoped that not only is the discipline of liabilities paid by the to customer bank but also the discipline of customer rights that the bank must fight for refund of customer insurance premiums at the time the customer makes an early repayment. Financing with this buying and selling scheme does not escape the possibility of the risk of losses that may be borne by independent Islamic banks. and other sharia insurance. payment of insurance premiums is determined based on the age of the customer. The amount of the financing ceiling, and the length of financing carried out by the customer. The customer insurance process is carried out through the Padang branch independent Islamic bank and if a claim occurs it must also go through the Padang branch independent Islamic bank. Nasabah has the right to claim from the insurance premium paid if the customer dies and if the customer repays the murabahah financing disbursed, but this is sometimes not conveyed by the bank to the customer, so that the customer does not know of their rights. Padang Syariah Mandiri branch reports on the repayment of accelerated customers to Islamic insurance by completing the conditions to get a refund of insurance premiums, and the process of returning this insurance is usually around 15 working days.