%0 Thesis
%9 Doctoral
%A Rial Fu'adi, NIM. 12300016039
%B PASCASARJANA UIN SUNAN KALIJAGA
%D 2019
%F digilib:36859
%I UIN SUNAN KALIJAGA YOGYAKARTA
%K social function, tabarru’, qardh.
%P 270
%T OPTIMALISASI FUNGSI SOSIAL  BANK SYARIAH  (Kendala dan Solusi Pembiayaan Qard  di BPRS se Eks Karesidenan Surakarta)
%U https://digilib.uin-suka.ac.id/id/eprint/36859/
%X The research studies the efforts of optimizing the social  function of sharia banks BPRS in Surakarta ex-residency  through qardh financing. As a social instrument, qardh  financing appeared below optimum (0.73% averagely) in their  balance sheets from 2015 to 2018. Besides, four out of eight  sharia banks in the area did not dispense it at all. To uncover  the hindrance, interviews with Board of Directors were  conducted. The interviews were set unstructured to obtain  abundant sets of data through informal free talks. From them  the two underlying reasons for low percentage of qardh  financing are: 1) very limited sources(i.e. capital, put-aside  profit, and from the third parties); 2) a fatwa from DSN-MUI  stating that it is forbidden for sharia banks to take extra  benefits from qardh but administration fee. Some solutions  proposed here are: 1) BPRS in ex-Surakarta residency have to  create sources of fund such as qardh deposit – a brand new  kind of deposit that does not yet exist elsewhere; 2) these  banks can charge their qardh customers for the operation of the  service. The surcharge practice is regarded similar to the  function of Amil Zakat and NadzirWakaf, who deserve a  compensation as they sacrifice their time, money, and energy,  and the banks are no different.
%Z Prof. Dr. H. Syamsul Anwar, MA.