<> "The repository administrator has not yet configured an RDF license."^^ . <> . . . "TINJAUAN YURIDIS PENERAPAN JAMINAN DALAM PEMBIAYAAN IJARAH MULTIJASA OLEH BPRS ARTHA MAS ABADI PATI"^^ . "Ijarah multijasa financing is one of the service-based financing\r\nproducts developed by Islamic financial institutions to meet public needs for\r\nvarious services, such as education, marriage, and religious travel. The main\r\ncharacteristic of this financing lies in the object of the contract, which is the benefit\r\nof services (manfa‘ah). Conceptually, this gives rise to juridical issues related to\r\nthe application of collateral, as service objects cannot be directly used as security.\r\nIn practice, Bank Pembiayaan Rakyat Syariah (BPRS) Artha Mas Abadi Pati\r\ncontinues to require tangible collateral in ijarah multijasa financing as a form of\r\nrisk mitigation and the implementation of the prudential principle. This condition\r\nraises questions regarding how collateral is applied in ijarah multijasa financing\r\nat BPRS Artha Mas Abadi Pati and its conformity with positive law and Islamic\r\nprinciples. This study aims to analyze the application of collateral in ijarah\r\nmultijasa financing at BPRS Artha Mas Abadi Pati and to examine its conformity\r\nwith the prudential principle as well as the principle of ḥifẓ al-māl (protection of\r\nwealth) within the framework of maqāṣid al-syariah.\r\nThis study employs the theory of Islamic financing, the theory of\r\nmaqāṣid al-sharīʿah, and the theory of security law. The research adopts an\r\nempirical juridical method with a descriptive research design. Two research\r\napproaches are used, namely the conceptual approach and the statutory approach.\r\nData collection techniques include interviews, questionnaires, and documentation\r\ninvolving relevant parties related to this study. The data are then analyzed using\r\nqualitative descriptive analysis.\r\nThe results indicate that the implementation of collateral in multiservice\r\nijarah financing at BPRS Artha Mas Abadi Pati has, in principle, reflected\r\nthe application of the prudential principle through the 5C analysis (character,\r\ncapacity, capital, collateral, and condition of economy). However, collateral has\r\nnot been positioned as the primary determinant, as assessments of the customer’s\r\ncharacter and repayment capacity carry more dominant weight than the collateral\r\naspect. Furthermore, the application of collateral in multi-service ijarah financing\r\nat BPRS Artha Mas Abadi Pati is considered to be in accordance with the principle\r\nof ḥifẓ al-māl, as it functions as a risk mitigation instrument and a proportional\r\nmeans of asset protection without giving rise to injustice."^^ . "2026-01-22" . . . . "UIN SUNAN KALIJAGA YOGYAKARTA"^^ . . . "FAKULTAS SYARIAH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA"^^ . . . . . . . . . "NIM.: 22103040001"^^ . "Aulia Mansyudatul Minhah"^^ . "NIM.: 22103040001 Aulia Mansyudatul Minhah"^^ . . . . . . "TINJAUAN YURIDIS PENERAPAN JAMINAN DALAM PEMBIAYAAN IJARAH MULTIJASA OLEH BPRS ARTHA MAS ABADI PATI (Text)"^^ . . . . . "22103040001_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf"^^ . . . "TINJAUAN YURIDIS PENERAPAN JAMINAN DALAM PEMBIAYAAN IJARAH MULTIJASA OLEH BPRS ARTHA MAS ABADI PATI (Text)"^^ . . . . "HTML Summary of #75597 \n\nTINJAUAN YURIDIS PENERAPAN JAMINAN DALAM PEMBIAYAAN IJARAH MULTIJASA OLEH BPRS ARTHA MAS ABADI PATI\n\n" . "text/html" . . . "343.07 Hukum Ekonomi" . .