%0 Thesis
%9 Skripsi
%A Aulia Mansyudatul Minhah, NIM.: 22103040001
%B FAKULTAS SYARIAH DAN HUKUM
%D 2026
%F digilib:75597
%I UIN SUNAN KALIJAGA YOGYAKARTA
%K Pembiayaan Ijarah Multijasa, Perbankan Syariah, BPRS
%P 190
%T TINJAUAN YURIDIS PENERAPAN JAMINAN DALAM PEMBIAYAAN IJARAH MULTIJASA OLEH BPRS ARTHA MAS ABADI PATI
%U https://digilib.uin-suka.ac.id/id/eprint/75597/
%X Ijarah multijasa financing is one of the service-based financing  products developed by Islamic financial institutions to meet public needs for  various services, such as education, marriage, and religious travel. The main  characteristic of this financing lies in the object of the contract, which is the benefit  of services (manfa‘ah). Conceptually, this gives rise to juridical issues related to  the application of collateral, as service objects cannot be directly used as security.  In practice, Bank Pembiayaan Rakyat Syariah (BPRS) Artha Mas Abadi Pati  continues to require tangible collateral in ijarah multijasa financing as a form of  risk mitigation and the implementation of the prudential principle. This condition  raises questions regarding how collateral is applied in ijarah multijasa financing  at BPRS Artha Mas Abadi Pati and its conformity with positive law and Islamic  principles. This study aims to analyze the application of collateral in ijarah  multijasa financing at BPRS Artha Mas Abadi Pati and to examine its conformity  with the prudential principle as well as the principle of ḥifẓ al-māl (protection of  wealth) within the framework of maqāṣid al-syariah.  This study employs the theory of Islamic financing, the theory of  maqāṣid al-sharīʿah, and the theory of security law. The research adopts an  empirical juridical method with a descriptive research design. Two research  approaches are used, namely the conceptual approach and the statutory approach.  Data collection techniques include interviews, questionnaires, and documentation  involving relevant parties related to this study. The data are then analyzed using  qualitative descriptive analysis.  The results indicate that the implementation of collateral in multiservice  ijarah financing at BPRS Artha Mas Abadi Pati has, in principle, reflected  the application of the prudential principle through the 5C analysis (character,  capacity, capital, collateral, and condition of economy). However, collateral has  not been positioned as the primary determinant, as assessments of the customer’s  character and repayment capacity carry more dominant weight than the collateral  aspect. Furthermore, the application of collateral in multi-service ijarah financing  at BPRS Artha Mas Abadi Pati is considered to be in accordance with the principle  of ḥifẓ al-māl, as it functions as a risk mitigation instrument and a proportional  means of asset protection without giving rise to injustice.
%Z Dr. Wardatul Fitri, M.H.