MODEL PERJANJIAN EFEKTIF UNTUK MENGURANGI TINGKAT RESIKO DALAM PEMBIAYAAN MUDHARABAH PADA BANK SYARIAH
Journal Title: YUSTISIA JURNAL HUKUM - Year 2014, Vol 3, Issue 2
Abstract
Mudaraba is a cooperative institution agreed by jurists in lieu of debts or borrowing in the banking feared contain elements of usury. In a period of more than ten years, it was financing is not optimal as expected by the scientists of Islamic law. Research for this first year aims; (1) Inventory overview of Islamic banking desire to give of financing; (2) review the description of Islamic banking desire to give of financing; (3) Develop forms of legal protection that is ideal to be used as a model in reducing the level of risk faced by the Islamic banking in providing of financing; (4) Develop a model agreement ideal for Islamic banking in order to improve the provision of financing to customers. This study is an empirical research related to the identification and effectiveness of the law. The data used are primary data and secondary data. The primary data obtained through interviews and focus group discussions. Secondary data were obtained through library research related to the problem under study. Analyses were performed using content analysis (content analysis), which examines the contents of mudaraba cooperation. The results showed that; (1) In principle, Islamic banking has committed to provide financing is optimal; (2) the desire to provide optimal financing constraints facing many complex factors, ranging from the issue of the system to issue public unprepared to accept it; that society is pragmatic and less understand the real nature of mudaraba; (3) Islamic banks need to receive adequate legal protection for accounts receivable financing is not given in the form of a dishonest act of the customer; (4) model is ideal agreement of financing by Islamic banking is; (A) the customer in the form of the company because it is easy to mlakukan supervision; (B) similar business field.
Authors and Affiliations
Luthfiyah Trini Hastuti, Burhanudin Harahap, Solikhah Solikhah
Keywords
Related Articles
- EP ID EP425683
- DOI 10.20961/yustisia.v3i2.11086
- Views 121
- Downloads 0
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