eprintid: 54721
rev_number: 13
eprint_status: archive
userid: 12243
dir: disk0/00/05/47/21
datestamp: 2022-11-02 02:35:12
lastmod: 2022-11-02 02:35:12
status_changed: 2022-11-02 02:35:12
type: thesis
metadata_visibility: show
contact_email: muchti.nurhidaya@uin-suka.ac.id
creators_name: Arifatul Uyun, S.H, NIM.: 20203011081
title: TINJAUAN PRINSIP SYARIAH TERHADAP PELAKSANAAN
PEMBIAYAAN MUDHARABAH
(STUDI KASUS PADA BANK SYARIAH INDONESIA KC
YOGYAKARTA)
ispublished: pub
subjects: bp
subjects: ps
divisions: ilmu_sya
full_text_status: restricted
keywords: gharar; akad; sharia principles; mudarabah financing.
note: Pembimbing:
Prof. Dr. H. Syamsul anwar, M.A.
abstract: Bank Syariah Indonesia is a Bank Syariah resulting from the merger of
three Syariah banks belonging to BUMN. Bank Syariah Indonesia is currently one
of the largest Syariah Banks in Indonesia. One of the financing products available
at BSI is financing with a mudarabah contract. Mudarabah financing has a
strategic position in building the community's economy, with a profit-sharing
system. The customer has full responsibility for the funds that have been given to
be managed in the form of a productive business. Islamic banks are responsible
for fostering and supervising the implementation of mudarabah financing.
However, in practice there are still problems that occur in the implementation of
mudarabah financing, especially in the aspect of implementing sharia principles,
which have been regulated in sharia provisions. Problems in the implementation
of mudarabah financing are also regulated in the standard book of mudarabah
financing by the financial services authority.
This type of research is a type of qualitative research. The nature of this
research is analytical prescriptive using a normative approach. The primary data
sources used in this study are data obtained from the field in the implementation
of mudarabah financing at Bank Syariah Indonesia KC Yoagyakarta. The
secondary data sources in this study are data obtained from the official website of
Bank Syariah Indonesia, books, articles, and other sources related to the
implementation of mudarabah financing at Islamic banks. Data collection
techniques in this study using interview techniques.
The results of this study indicate that, first, the implementation of
mudarabah financing at Indonesian Islamic Banks is still not optimal, this is
related to the distribution of funds is still limited to cooperatives or BMT
implementation of mudarabah financing at Indonesian Islamic Banks in
accordance with usyariah principles. In the process of distributing funds to
mu'arib, it is necessary to apply universal principles by not distinguishing between
groups of people directly and BMT or cooperatives. Supervision in the
implementation of mudarabah financing, it is necessary to have a direct review in
order to realize the principle of balance. The implementation of profit sharing in
mudarabah financing is in accordance with the benefit principle, which uses the
calculation of revenue sharing in determining the ratio. The settlement of
problematic mudarabah financing is carried out in two ways, namely by claiming
guarantee insurance in accordance with the DSN-MUI fatwa, and by deliberation
to sell the collateral that has been included by the muḍarib. Second, the obstacles
in implementing mudarabah financing at BSI KC Yogyakarta are caused by two
things, namely internal factors and external factors.
date: 2022-06-24
date_type: published
pages: 140
institution: UIN SUNAN KALIJAGA YOGYAKARTA
department: FAKUILTAS SYARI'AH DAN HUKUM
thesis_type: masters
thesis_name: other
citation:   Arifatul Uyun, S.H, NIM.: 20203011081  (2022) TINJAUAN PRINSIP SYARIAH TERHADAP PELAKSANAAN PEMBIAYAAN MUDHARABAH (STUDI KASUS PADA BANK SYARIAH INDONESIA KC YOGYAKARTA).  Masters thesis, UIN SUNAN KALIJAGA YOGYAKARTA.   
document_url: https://digilib.uin-suka.ac.id/id/eprint/54721/1/20203011081_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf
document_url: https://digilib.uin-suka.ac.id/id/eprint/54721/2/20203011081_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf