eprintid: 75597
rev_number: 10
eprint_status: archive
userid: 12460
dir: disk0/00/07/55/97
datestamp: 2026-02-13 03:46:12
lastmod: 2026-02-13 03:46:12
status_changed: 2026-02-13 03:46:12
type: thesis
metadata_visibility: show
contact_email: muh.khabib@uin-suka.ac.id
creators_name: Aulia Mansyudatul Minhah, NIM.: 22103040001
title: TINJAUAN YURIDIS PENERAPAN JAMINAN DALAM PEMBIAYAAN IJARAH MULTIJASA OLEH BPRS ARTHA MAS ABADI PATI
ispublished: pub
subjects: 341.7
divisions: il_hum
full_text_status: restricted
keywords: Pembiayaan Ijarah Multijasa, Perbankan Syariah, BPRS
note: Dr. Wardatul Fitri, M.H.
abstract: 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.
date: 2026-01-22
date_type: published
pages: 190
institution: UIN SUNAN KALIJAGA YOGYAKARTA
department: FAKULTAS SYARIAH DAN HUKUM
thesis_type: skripsi
thesis_name: other
citation:   Aulia Mansyudatul Minhah, NIM.: 22103040001  (2026) TINJAUAN YURIDIS PENERAPAN JAMINAN DALAM PEMBIAYAAN IJARAH MULTIJASA OLEH BPRS ARTHA MAS ABADI PATI.  Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.   
document_url: https://digilib.uin-suka.ac.id/id/eprint/75597/1/22103040001_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf
document_url: https://digilib.uin-suka.ac.id/id/eprint/75597/2/22103040001_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf