JAMINAN DALAM PEMBIAYAAN MUSYARAKAH PADA BANK SYARIAH INDONESIA KCP BENER MERIAH PONDOK BARU 2 SIMPANG TIGA, KECAMATAN BUKIT, KABUPATEN BENER MERIAH, PROVINSI ACEH

Fitri Hindari, NIM.: 20203011075 (2022) JAMINAN DALAM PEMBIAYAAN MUSYARAKAH PADA BANK SYARIAH INDONESIA KCP BENER MERIAH PONDOK BARU 2 SIMPANG TIGA, KECAMATAN BUKIT, KABUPATEN BENER MERIAH, PROVINSI ACEH. Masters thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

This thesis examines guarantees in musharakah financing at Bank Syariah Indonesia KCP Bener Meriah Pondok Baru 2 Simpang Tiga, Bukit District, Bener Meriah Regency, Aceh Province. Guarantees on musharakah financing are very important. As in fatwa No.08/DSN-MUI/IV/2000 on musharakah financing, in principle in musharakah financing there is no guarantee, however, to avoid deviations Islamic Financial Institutions can ask for guarantees. Musharakah financing should not require guarantees because musharakah financing is a form of cooperation between banks and customers to do business based on trust. Conventional banks also require guarantees, however, of course, the function of guarantees in Islamic banks is different because Islamic banks in carrying out their operations are based on Islamic law. The formulation of the problem in this study is how the function of guarantees in musharakah financing and how Islamic law reviews guarantees in musharakah financing at BSI KCP Bener Meriah Pondok Baru 2 Simpang Tiga, Bukit District, Bener Meriah Regency, Aceh Province. This type of research is qualitative research with a case study approach. The research method uses field research with an empirical juridical approach. The method of collecting constituent data uses the method of interviews and questionnaires. This research will focus on the function of guarantees and islamic law review of guarantees in musharakah financing. The results showed that the collateral function in musharakah financing at Bank Syariah Indonesia KCP Bener Meriah Pondok Baru 2 Simpang Tiga, Bukit District, Bener Meriah Regency, Aceh Province is a principle of bank prudence based on applicable regulations, to avoid losses or deviations. The inclusion of the guarantee proves that the customer can be trusted and shows the customer's responsibility to do his business seriously. According to the review of Islamic law, guarantees in the financing of musharakah are allowed because they aim to maintain trust for each party concerned.

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