ANALISIS SHARIAH COMPLIANCE PENETAPAN HARGA LELANG BARANG JAMINAN DALAM MENGURANGI RISIKO PADA PEMBIAYAAN IB GRIYA DI BANK SUMUT SYARIAH CABANG MEDAN

Abstract

This research was conducted to determine shariah compliance in
determining the auction price of collateral for ib griya financing at
Bank Sumut Syariah Medan Branch. The research method used in this
research is a descriptive method, in which data are collected, compiled,
grouped and analyzed based on facts obtained from the field and then
integrated into a clear and focused picture of the problem being
studied. While the types of data needed are primary data in the form of
interviews with internal bank parties and secondary data in the form
of libraries, brochures, articles, and websites. From the results of this
study, the authors conclude that 1) the implementation of the
mechanism for pricing in the auction of collateral goods is to set a limit
value based on the market value and the determination of the auction
price set by the Public Appraisal Service Office (KJPP).After the stages
of determining the auction price are completed, the bank will submit
an auction application and other requirements to the State Property
and Auction Service Office (KPKNL). 2)inthe mechanism of price fixing
and auction implementation as seen from Shariah Compliance
(according to Islamic Sharia) is in appropriate to sharia rules and
applicable legal rules, because each step by step the pricing mechanism
and auction implementation look at the base price of the auction first
bysurveyingto the local market and the central market, a re-
assessment carried out by experts in their respective fields, following
the rules of procedure, and using the valid data so that it can be
facilitated and it does not cause loss to both parties. Therefore it can be
concluded that the determination of the auction price for collateral
goods in Reducing Risk in Ib Griya Financing at Bank Sumut Syariah Medan Branch is in accordance with shariah compliance (sharia provisions).