Penerapan Jaminan pada Bank Syariah dalam Pembiyaan Mudharabah

Wira Purwadi, Agung Subayu Koni, Radjab Djamali

Abstract


The imposition of guarantees carried out by Islamic banks in the practice of mudharabah financing in Indonesia is still a discussion and polemic that has been discussed until now because in sharia implementation the practice of mudharabah financing does not require guarantees, but now Islamic banks apply guarantees in mudharabah financing. In this study using normative juridical research, with an approach to legislation and fatwas from the Indonesian Ulema Council, the purpose of this research is to be able to find solutions to problems regarding the application of guarantees in miudharabah financing in Islamic banks. The results of this study found that the purpose of enactment of guarantees in Islamic banks according to the fatwa is to be able to suppress mudharib to explain their obligations to shaibul maal correctly, also to apply guarantees on the basis of the precautionary principle in Islamic banks in order to minimize risk in the financing, but this is contrary to with sharia principles because mudharaba was born on the basis of profit-sharing cooperation, not debts as in conventional banks. The imposition of guarantees on Islamic banks seems to give the impression of mixing the rules and principles of Islamic banks with conventional banks, this occurs due to the absence of a clear legal basis regarding the imposition of guarantees on mudharabah financing in Islamic banks.


Keywords


Islamic bank; guarantee; mudharabah

Full Text:

PDF

References


Afrianty, N. (2018). Kedudukan Jaminan dan Denda pada Pembiayaan Bank Syariah. Al-Intaj, 4(2), 224243.

Andiyansari, C. N. (2020). Akad Mudharabah dalam Perspektif Fikih dan Perbankan Syariah. alia Jurnal Pendidikan Dan Agama Islam, 3(2), 4254.

Anugrah, Y. D. Y., & Nandaningsih, N. (2021). Konsep Pembiayaan Mudharabah Dalam Perbankan Syariah. Jurnal Akuntansi Dan Keuangan Islam, 9(1), 6165. https://doi.org/10.21043/jupe.v9i1.859

Arianti, F. (2018). Mudharabah Dalam Bank Syariah. Jurnal Ilmiah Syariah, 17.

Arifin, M. Z. (2018). Reformulasi Akad Mudharabah dalam Sistem Perbankan Syariah Sesuai Dengan UU No. 21 Tahun 2008 tentang Perbankan Syariah (Studi di Bank Tabungan Negara Syariah Kantor Cabang Semarang). Jurnal Ius Constituendum, 3(1).

Dini, M. L. (2019). Analisis Jaminan Pada Pembiayaan Murabah dalam Perspektif Maqid Al-SyariAh. Al Manahij, XIII(2), 217227.

Harahap, M. Y. (2017). Dalam Kontrak Pembiayaan Mudharabah Perspektif Uu No . 21 Tahun 2008 Tentang Perbankan Syariah. Jurnal Hukum T-R, 3(21), 511522.

Harahap, M. Y. (2020). Pembebanan Jaminan atas Benda Benda Tidak Bergerak dalam Kontrak Pembiayaan Mudharabah Perspektif Undang-Undang No. 4 Tahun 1996 tentang Hak Tanggungan. Jurisdictie: Jurnal Hukum Dan Syariah, 11(1), 139162. https://doi.org/10.18860/j.v11i1.6692

Iltiham, M. F. (2019). Implementasi Akad Mudharabah Berdasarkan PSAK 105 tentang Akuntansi Mudharabah dan Fatwa DSN MUI pada Produk Pembiayaan. Jurnal Ekonomi Islam, 11(1), 2138.

Islami, A. (2021). Analisis Jaminan dalam Akad-Akad Bagi Hasil (Akad Mudharabah dan Akad Musyarakah) di Perbankan Syariah. Jurnal Hukum Ekonomi Syariah, 4(1), 122.

Latif, C. A. (2020). Pembiayaan Mudharabah dan Pembiayaan Musyarakah di Perbankan Syariah. Jurnal Ilmu Akuntansi Dan Bisnis Syariah, 2(1).

Mursid, F. (2019). Konsekuensi Hukum atas Konsep Jaminan dalam Fatwa Dewan Syariah Nasional terhadap Pembiayaan Mudharabah. Jurnal Ilmiah Hukum Kenotariatan, 8(2), 116126. https://doi.org/10.28946/rpt.v8i2.420

Mursid, F. (2020). Kajian Fatwa Dewan Syariah Nasional Tentang Mudharabah. TAWAZUN : Journal of Sharia Economic Law, 3(1), 107. https://doi.org/10.21043/tawazun.v3i1.7847

Pohan, S. (2016). Peranan Penggunaan Agunan di Bank Islam Hubungannya dengan Sistem Operasional Perbankan Syariah di Medan. Intiqad, 8(2), 102119.

Sholihin, M. R., & Munim, A. (2019). Analisis Penerapan dan Sistem Bagi Hasil Akad Mudharabah dalam Akuntansi Syariah. Jurnal Ilmu Manajemen Advantage, 3(1), 4857. https://doi.org/10.30741/adv.v3i1.415

Simanjuntak, K. (2019). Aspek Hukum Jaminan dalam Perbankan Syariah Legal Aspect of Warranty in Sharia Banking. Jurnal Pionir LPPM Universitas Asahan, 5(3), 9094.

Yunus, M., & Srisusilawati, P. (2016). Analisis Kedudukan Jaminan pada Akad Mudhrabah dalam Fatwa DSN-MUI No. 7 tentang Pembiayaan Mudhrabah. Prosiding SNaPP: Sosial, Ekonomi, Dan Humaniora, 7, 390396.

Zakiyah, F., & Hisam, L. N. (2018). Jaminan dalam Pembiayaan Mudharabah (Studi Kasus Perbankan Syariah di Indonesia). TAWAZUN : Journal of Sharia Economic Law, 1(2), 199. https://doi.org/10.21043/tawazun.v1i2.5092

Zulfahmi, & Rahmiati. (2021). Analisis Konversi Akad Mudhrabah Kepada Akad Qardhu. Taqnin: Jurnal Syariah Dan Hukum, 03(01), 5165.




DOI: http://dx.doi.org/10.30984/ajiel.v2i1.1990

Article Metrics

Abstract view : 204 times
PDF - 273 times

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

 

Rumah Jurnal IAIN Manado

Jl. Dr. S.H. Sarundajang, Kawasan Ringroad I, Malendeng Manado Kode Pos 95128, Sulawesi Utara, Indonesia.

 


All publication by Al-'Aqdu: Journal of Islamic Economics Law is licensed under a
Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Al-'Aqdu: Journal of Islamic Economics Law, ISSN 2807-7830 (Cetak), ISSN 2807-7342 (Online)