Analisis Pembiayaan MuḌārabah Di Bank Jateng Cabang Syariah Surakarta Menurut Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (Dsn-Mui)

Kusumaningtyas, Diah Ayu and , Dr. Imron Rosyadi, M.Ag. (2018) Analisis Pembiayaan MuḌārabah Di Bank Jateng Cabang Syariah Surakarta Menurut Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (Dsn-Mui). Skripsi thesis, Universitas Muhammadiyah Surakarta.

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Abstract

This research aims to describe the concept of muḍārabah financing implemented by Central Java Bank Syariah Surakarta. The type of this research is descriptive qualitative, descriptive study describe that fact factual and accurate and meaningful qualitative research produces findings that can not be obtained by statistical or measurements. This research describes the procedures and concepts of muḍārabah financing implementation as well as conformity with the instructions of DSN-MUI. The data were collected through in-depth interview with finance staff as representative of Central Java Bank Syariah as key informant. The results showed that the concept of muḍārabahfinancing applied is not fully in accordance with the principle of DSN-MUI on muḍārabah.It‟s in Points (6) "The LKS, as a provider of funds, shall bear all losses resulting from the mudaraba unless the mudharib (client) commits a deliberate, negligent or counterproductive error".And the second part about requirements 4 (c) "Provider shall bear all losses resulting from muḍārabah, and the manager shall not bear any loss except as a result of deliberate misconduct, negligence or breach of agreement. " In such cases the customer has to bear the full principal. But, there are things that can bring Central Java Bank Syariah with customers according to the suitability of the sharia as the Bank does not necessarily restructure. Banks and customers get started with this deliberation eventually eliminate the discrepancy. Although it should bear all losses is the Bank because the losses are not caused by the fault of the customer.

Item Type: Karya ilmiah (Skripsi)
Uncontrolled Keywords: Muḍārabah Financing, Bank Jateng Syariah Surakarta Branch and Fatwa DSN-MUI.
Subjects: B Philosophy. Psychology. Religion > BL Religion
H Social Sciences > HC Economic History and Conditions
Divisions: Fakultas Agama Islam > Hukum Ekonomi Syariah (HES)
Depositing User: Diah Ayu Kusumaningtyas
Date Deposited: 09 Feb 2018 06:18
Last Modified: 09 Feb 2018 06:21
URI: http://eprints.ums.ac.id/id/eprint/59982

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