STUDI TENTANG SIKAP BANKIR DAN PENGUSAHA TERHADAP POLA PEMBIAYAAN BAGI-HASIL PADA BANK SYARIAH
Journal Title: MIQOT: Jurnal Ilmu-ilmu Keislaman - Year 2014, Vol 0, Issue 1
Abstract
Abstract: A Study of Banker’s and Enterprenour’s Attitude towards Profit and Loss Sharing Scheem in Syariah Banks. It has been widelyaccepted within the society that at the practical level, Islamic banks use profit and lostsharing system. However, the current data indicates that the realization of financing that utilized such system reached only around 27% of the total financing portfolio of Islamic banks. This study aims to determine how the attitude of the parties in regard to the results of financing that includes bankers and enterpreurs that represent the population of this study. Each sample is confined to 30 bankers and 30 businessmen. The information was collected using questionnaires and interviews. In this study, the writers found that atthe cognitive and affective levelsthere was resemblance of perception between the bankers and businessmen. At the practical level, however, they differred concerning all elements for the implementation of the profit and loss sharing which consisted of character (honesty), capacity, capital, collateral, economic conditions and efficiency.
Authors and Affiliations
Ratno Agriyanto
Keywords
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