The Recommendation of Applying the Profit Sharing Scheme in Mudharabah Outlaying At Syariah Bank in Indonesia
Journal Title: IOSR Journal of Humanities and Social Science - Year 2018, Vol 23, Issue 8
Abstract
This research aimed for determining the profit sharing scheme which can be applied to mudharabah financing in Islamic banks with kinds of mudharabah fund implementation issues are moral hazard and adverse selection. Therefore, this research is expected examining the scheme should be used and ensuring those both problems can be erased. This research is a qualitative research using primary data obtained based on Focus Group Discussion (FGD) answering the problem with syariah bank consist of 13 sharia banks based on their customers. The results of this research confirmed that moral hazard issues are excluded in mudharabah financing issues application. While the adverse selection problem can occur on the customer side and the side of syariah banks so that periodic monitoring should be followed so that adverse selection issues can be eliminated. The study recommended that both are mutually transparent, monitoring the customer's business, the schemes used are revenue sharing, high business commitment, and proper financing analysis.
Authors and Affiliations
Rahmayati . , M. Yasir Nasution, Rifki Ismal
Keywords
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- EP ID EP419648
- DOI 10.9790/0837-2308026771.
- Views 92
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