{"id":547,"date":"2022-10-05T05:59:52","date_gmt":"2022-10-05T05:59:52","guid":{"rendered":"https:\/\/bmtalfath.com\/v3\/index.php\/produk-pembiayaan\/"},"modified":"2025-07-01T09:39:10","modified_gmt":"2025-07-01T09:39:10","slug":"produk-pembiayaan","status":"publish","type":"page","link":"https:\/\/bmtalfath.com\/v3\/index.php\/produk-pembiayaan\/","title":{"rendered":"Produk Pembiayaan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"547\" class=\"elementor elementor-547\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-56aec0db elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"56aec0db\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-21e40e6b\" data-id=\"21e40e6b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-706836bb elementor-widget elementor-widget-text-editor\" data-id=\"706836bb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.10.1 - 17-01-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>KSPPS BMT AL FATH IKMI<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45e2548e elementor-widget elementor-widget-heading\" data-id=\"45e2548e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.10.1 - 17-01-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Pembiayaan Syariah<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34de69c elementor-widget elementor-widget-text-editor\" data-id=\"34de69c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"p1\">Semua yang mendapatkan layanan Pembiayaan dari KSPPS BMT AL FATH IKMI adalah Anggota.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5faa2f09 elementor-align-center elementor-tablet-align-center elementor-widget elementor-widget-button\" data-id=\"5faa2f09\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/07\/5.-FORM-PERMOHONAN-PEMBY_010725OK.pdf\" class=\"elementor-button-link elementor-button elementor-size-md\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-long-arrow-alt-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Download Form Pembiayaan<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2136a04 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2136a04\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3ae1b12\" data-id=\"3ae1b12\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3207ad5 elementor-widget elementor-widget-text-editor\" data-id=\"3207ad5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h6><strong>A. PEMBIAYAAN DENGAN SKEMA BAGI HASIL<\/strong><\/h6>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bb135d2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bb135d2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e488267\" data-id=\"e488267\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dfb9aa0 elementor-widget elementor-widget-image\" data-id=\"dfb9aa0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.10.1 - 17-01-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"226\" src=\"https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb1-300x226.jpg\" class=\"attachment-medium size-medium wp-image-2439\" alt=\"\" srcset=\"https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb1-300x226.jpg 300w, https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb1.jpg 532w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-40ce1d3\" data-id=\"40ce1d3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-562bba3 elementor-widget elementor-widget-heading\" data-id=\"562bba3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. PEMBIAYAAN MUDHARABAH<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba78dfc elementor-widget elementor-widget-text-editor\" data-id=\"ba78dfc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Adalah pembiayaan untuk modal kerja usaha dengan sistem bagi hasil. Modal 100% dari BMT AL FATH IKMI, sedangkan Anggota sebagai Pengelola Usaha. Keuntungan dibagi<br \/>berdasarkan nisbah yang disepakati oleh PARA PIHAK.<br \/><strong>Keuntungan Pembiayaan ini:<\/strong><\/p><ol><li><span lang=\"en-US\">Jangka waktu fleksibel<\/span><\/li><li><span lang=\"en-US\">Pembayaran angsuran, bertahap atau<br \/>jatuh tempo sesuai dengan proyeknya.<\/span><\/li><li><span lang=\"en-US\">Bagi hasil dari sesuai dengan hasil real<br \/>proyek.<\/span><\/li><\/ol><p><strong>Nilai yang dibangun atas pembiayaan ini:<\/strong><\/p><ol><li><span lang=\"en-US\">Kejujuran<\/span><\/li><li><span lang=\"en-US\">Transparansi<\/span><\/li><li><span lang=\"en-US\">Profesional<\/span><\/li><li><span lang=\"en-US\">Amanah<\/span><\/li><\/ol><ol><li style=\"list-style-type: none;\">\u00a0<\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-44090d7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"44090d7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-455c1d0\" data-id=\"455c1d0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b6bdda9 elementor-widget elementor-widget-image\" data-id=\"b6bdda9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"226\" src=\"https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb2R-300x226.jpg\" class=\"attachment-medium size-medium wp-image-2443\" alt=\"\" srcset=\"https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb2R-300x226.jpg 300w, https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb2R.jpg 532w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f23f385\" data-id=\"f23f385\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f5222bb elementor-widget elementor-widget-heading\" data-id=\"f5222bb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. PEMBIAYAAN MUSYARAKAH<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b13f2d elementor-widget elementor-widget-text-editor\" data-id=\"9b13f2d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Adalah pembiayaan untuk modal kerja usaha dengan sistem bagi hasil. Modal berasal dari PARA PIHAK. Pengelolaan Usaha disepakati bersama. Keuntungan usaha dibagi berdasarkan nisbah yang disepakati.<br \/>berdasarkan nisbah yang disepakati oleh PARA PIHAK.<br \/><strong>Keuntungan Pembiayaan ini:<\/strong><\/p><ol><li><span lang=\"en-US\">Jangka waktu fleksibel<\/span><\/li><li><span lang=\"en-US\">Pembayaran angsuran, bertahap atau<br \/>jatuh tempo sesuai dengan proyeknya.<\/span><\/li><li><span lang=\"en-US\">Bagi hasil dari sesuai dengan hasil real<br \/>proyek.<\/span><\/li><\/ol><p><strong>Nilai yang dibangun atas pembiayaan ini:<\/strong><\/p><ol><li><span lang=\"en-US\">Kejujuran<\/span><\/li><li><span lang=\"en-US\">Transparansi<\/span><\/li><li><span lang=\"en-US\">Profesional<\/span><\/li><li><span lang=\"en-US\">Amanah<\/span><\/li><\/ol><ol><li style=\"list-style-type: none;\">\u00a0<\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8282f25 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8282f25\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4ed010d\" data-id=\"4ed010d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1a38666 elementor-widget elementor-widget-text-editor\" data-id=\"1a38666\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h6><strong>B. PEMBIAYAAN DENGAN SKEMA JUAL BELI<br \/><\/strong><\/h6>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5cf6d83 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5cf6d83\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-321e55d\" data-id=\"321e55d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b709c46 elementor-widget elementor-widget-image\" data-id=\"b709c46\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"226\" src=\"https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb3-300x226.jpg\" class=\"attachment-medium size-medium wp-image-2450\" alt=\"\" srcset=\"https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb3-300x226.jpg 300w, https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb3.jpg 532w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-930f38a\" data-id=\"930f38a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8b5e340 elementor-widget elementor-widget-heading\" data-id=\"8b5e340\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. PEMBIAYAAN MURABAHAH<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91daa2e elementor-widget elementor-widget-text-editor\" data-id=\"91daa2e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Adalah pembiayaan sistem jual beli dengan angsuran. Penggunaan untuk pembelian barang komoditi,Kendaraan bermotor, tanah, rumah dan lainnya. Mekanisme pembiayaan Pemohon mengajukan permohonan pemesanan barang ke BMT AL FATH IKMI. Setelah permohonan disetujui, BMT AL FATH IKMI akan membeli barang yang dipesan. Setelah barang milik BMT AL FATH IKMI, dilanjutkan akad jual beli dengan Pemohon. Harga Jual beli disepakati kedua belah Pihak.<br \/><strong>Keuntungan Pembiayaan ini:<\/strong><\/p><ol><li><span lang=\"en-US\">Harga pasti tidak berubah sampai lunas<\/span><\/li><li><span lang=\"en-US\">Angsuran flat mudah untuk mengatur cashflow<\/span><\/li><li><span lang=\"en-US\">Tidak ada denda dan pinalti<\/span><\/li><li><span lang=\"en-US\">Dapat dilakukan percepatan pelunasan dengan diskon<\/span><\/li><li><span lang=\"en-US\">Jangka waktu fleksibel sampai dengan 5 tahun<\/span><\/li><\/ol><p><strong>Nilai yang dibangun atas pembiayaan ini:<\/strong><\/p><ol><li><span lang=\"en-US\">Kejujuran<\/span><\/li><li><span lang=\"en-US\">Displin dalam memenuhi kewajiban angsuran<\/span><\/li><li><span lang=\"en-US\">Tanggung jawab<\/span><\/li><\/ol><ol><li style=\"list-style-type: none;\">\u00a0<\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-05e8310 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"05e8310\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c3a50ac\" data-id=\"c3a50ac\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-302589c elementor-widget elementor-widget-image\" data-id=\"302589c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"226\" src=\"https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb4-300x226.jpg\" class=\"attachment-medium size-medium wp-image-2459\" alt=\"\" srcset=\"https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb4-300x226.jpg 300w, https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb4.jpg 532w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e536a33\" data-id=\"e536a33\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-981862a elementor-widget elementor-widget-heading\" data-id=\"981862a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. ISTISHNA<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4745203 elementor-widget elementor-widget-text-editor\" data-id=\"4745203\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Adalah pembiayaan jual beli barang sistem inden dengan spesifikasi yang telah disepakati. Cocok untuk bangun rumah, renovasi rumah dan tempat usaha, interior dan barang lain yang sifatnya diproduksi. Mekanisme pembiayaan, Pemohon mengajukan permohonan pemesanan pembuatan barang ke BMT AL FATH IKMI. Setelah permohonan disetujui,<br \/>BMT AL FATH IKMI akan melakukan akad beli secara inden kepada produsen\/pembuat. Setelah BMT AL FATH IKMI berakad dengan suplier \/produsen (istishna paralel)<br \/><strong>Keuntungan Pembiayaan ini:<\/strong><\/p><ol><li><span lang=\"en-US\">Harga pasti tidak berubah sampai lunas<\/span><\/li><li><span lang=\"en-US\">Angsuran flat mudah untuk mengatur cashflow<\/span><\/li><li><span lang=\"en-US\">Tidak ada denda dan pinalti<\/span><\/li><li><span lang=\"en-US\">Dapat dilakukan percepatan pelunasan dengan diskon<\/span><\/li><\/ol><p><strong>Nilai yang dibangun atas pembiayaan ini:<\/strong><\/p><ol><li><span lang=\"en-US\">Kejujuran<\/span><\/li><li><span lang=\"en-US\">Displin dalam memenuhi kewajiban angsuran<\/span><\/li><li><span lang=\"en-US\">Tanggung jawab<\/span><\/li><\/ol><ol><li style=\"list-style-type: none;\">\u00a0<\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a406390 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a406390\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8670708\" data-id=\"8670708\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64f19bf elementor-widget elementor-widget-text-editor\" data-id=\"64f19bf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h6><strong>C. PEMBIAYAAN DENGAN SKEMA SEWA<\/strong><\/h6>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-da72003 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"da72003\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-fa6406e\" data-id=\"fa6406e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-057a6da elementor-widget elementor-widget-image\" data-id=\"057a6da\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"226\" src=\"https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb5-300x226.jpg\" class=\"attachment-medium size-medium wp-image-2467\" alt=\"\" srcset=\"https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb5-300x226.jpg 300w, https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb5.jpg 532w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8263f8c\" data-id=\"8263f8c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a1fb728 elementor-widget elementor-widget-heading\" data-id=\"a1fb728\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. IJARAH MULTI JASA<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75a3c11 elementor-widget elementor-widget-text-editor\" data-id=\"75a3c11\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>AAdalah pembiayaan untuk mendapatkan manfaat suatu barang atau jasa, seperti jasa pendidikan, jasa tenaga kerja, dan jasa lainnya. Mekanisme pembiayaan Anggota mengajukan permohonan ke BMT AL FATH IKMI. Setelah permohonan disetujui, BMT AL FATH IKMI akan melakukan transaksi dengan penyedia jasa dimaksud baru dilanjutkan akad dengan sewa dengan pemohon.<br \/><strong>Keuntungan Pembiayaan ini:<\/strong><\/p><ol><li><span lang=\"en-US\">Harga pasti tidak berubah sampai lunas<\/span><\/li><li><span lang=\"en-US\">Angsuran flat mudah untuk mengatur cashflow<\/span><\/li><li><span lang=\"en-US\">Tidak ada denda dan pinalti<\/span><\/li><li><span lang=\"en-US\">Dapat dilakukan percepatan pelunasan dengan diskon<\/span><\/li><\/ol><p><strong>Nilai yang dibangun atas pembiayaan ini:<\/strong><\/p><ol><li><span lang=\"en-US\">Kejujuran<\/span><\/li><li><span lang=\"en-US\">Displin dalam memenuhi kewajiban angsuran<\/span><\/li><li><span lang=\"en-US\">Tanggung jawab<\/span><\/li><\/ol><ol><li style=\"list-style-type: none;\">\u00a0<\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1d537739 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1d537739\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fa9227c\" data-id=\"fa9227c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-611733d9 elementor-widget elementor-widget-image\" data-id=\"611733d9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"566\" src=\"https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb6.png\" class=\"attachment-large size-large wp-image-2460\" alt=\"\" srcset=\"https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb6.png 813w, https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb6-300x212.png 300w, https:\/\/bmtalfath.com\/v3\/wp-content\/uploads\/2025\/05\/pemb6-768x543.png 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>KSPPS BMT AL FATH IKMI Pembiayaan Syariah Semua yang mendapatkan layanan Pembiayaan dari KSPPS BMT AL FATH IKMI adalah Anggota. Download Form Pembiayaan A. PEMBIAYAAN DENGAN SKEMA BAGI HASIL 1. PEMBIAYAAN MUDHARABAH Adalah pembiayaan untuk modal kerja usaha dengan sistem bagi hasil. Modal 100% dari BMT AL FATH IKMI, sedangkan Anggota sebagai Pengelola Usaha. Keuntungan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-547","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/bmtalfath.com\/v3\/index.php\/wp-json\/wp\/v2\/pages\/547","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bmtalfath.com\/v3\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bmtalfath.com\/v3\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bmtalfath.com\/v3\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bmtalfath.com\/v3\/index.php\/wp-json\/wp\/v2\/comments?post=547"}],"version-history":[{"count":33,"href":"https:\/\/bmtalfath.com\/v3\/index.php\/wp-json\/wp\/v2\/pages\/547\/revisions"}],"predecessor-version":[{"id":2607,"href":"https:\/\/bmtalfath.com\/v3\/index.php\/wp-json\/wp\/v2\/pages\/547\/revisions\/2607"}],"wp:attachment":[{"href":"https:\/\/bmtalfath.com\/v3\/index.php\/wp-json\/wp\/v2\/media?parent=547"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}