The problem of the human life is caused by the difficulty in economical
condition. Mainly, for those who has a low income. They need a fund aid to smooth
their work or business. Thus, BMT develops its production. It’s the costing of
Murabahah is based on the development of the world banking in order to enhance the
profit and prosperous. Due to provide the cost, it causes the problems. One of the
problems is unpunctuality of the costumer to pay and sometimes it is caused by
This research is including into descriptive qualitative research. The data
contain of the primary and secondary data which used interview and documentation
technique to describe the factor which is caused the cost problems and the handling of
Murabahah cost in BMT Syari’ah. The data analysis used is qualitative analysis.
Based on the result of research, it was recognized that the factor which caused
the problems in the costing of murabahah are 1) incorrect cost analysis, 2) dishonesty
of the costumers, 3) uncommitted of the costumers, 4) the bankruptcy of the
costumers, 5) the costumers characteristics. The way to solve the problems by 1)
identifying of each costumer, 2) approaching to the costumer, 3) giving the solution
by helping the costumer to market their product.