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.
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Text (TINJAUAN PRINSIP SYARIAH TERHADAP PELAKSANAAN PEMBIAYAAN MUDHARABAH (STUDI KASUS PADA BANK SYARIAH INDONESIA KC YOGYAKARTA))
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Text (TINJAUAN PRINSIP SYARIAH TERHADAP PELAKSANAAN PEMBIAYAAN MUDHARABAH (STUDI KASUS PADA BANK SYARIAH INDONESIA KC YOGYAKARTA))
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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.
Item Type: | Thesis (Masters) |
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Additional Information: | Pembimbing: Prof. Dr. H. Syamsul anwar, M.A. |
Uncontrolled Keywords: | gharar; akad; sharia principles; mudarabah financing. |
Subjects: | Bank dan Perbankan Perbankan Syariah |
Divisions: | Fakultas Syariah dan Hukum > Magister Ilmu Syari'ah (S2) |
Depositing User: | Muchti Nurhidaya [muchti.nurhidaya@uin-suka.ac.id] |
Date Deposited: | 02 Nov 2022 09:35 |
Last Modified: | 02 Nov 2022 09:35 |
URI: | http://digilib.uin-suka.ac.id/id/eprint/54721 |
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