Analisis Pembagian Nisbah Deposito Mudharabah Ditinjau Dari Aspek Hukum Dan Aspek Ekonomi Syariah Di Bank BNI Syariah Kantor Cabang Pembantu Boyolali

Dewantara, Faizal and -, Dr. Kelik Wardiono, S.H., M.H and -, Dr. Rizka, S.Ag., M.Hum. (2021) Analisis Pembagian Nisbah Deposito Mudharabah Ditinjau Dari Aspek Hukum Dan Aspek Ekonomi Syariah Di Bank BNI Syariah Kantor Cabang Pembantu Boyolali. Thesis thesis, Universitas Muhammadiyah Surakarta.

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Abstract

This research an analysis regarding the distribution of the ratio in the Mudharabah Agreement between shahibul maal and Mudharib in terms of legal and economic aspects of sharia carried out at BNI Bank, Boyolali Sub-branch Office. The method used in this research is a qualitative approach with data presentation in the form of word analysis. Sources of data in this study are documents and informants obtained from banks and customers. The sampling technique used in this study was purposive sampling. Data collection techniques with document analysis and interviews. Dalam pendanaan deposito shahibul mal (nasabah) hanya memberikan sejumlah uang kepada mudharib (bank BNI syariah) yang menjalankan usaha. Kemudian setiap bulan kedua belah pihak mendapatkan nisbah sesuai perjanjian di awal. Sedangkan dalam pembiayaan mudharabah, mudharib berkewajiban penuh untuk melaksanakan usahanya dan jika terjadi kerugian yang tidak disengaja maka kerugian sepuhnya ditanggung oleh shabibul mal. Dalam akad mudharabah yang terdapat pada bank BNI Syariah Kantor Cabang Pembantu Boyolali mengedepankan prinsip kepercayaan dan meminimalisir adanya riba, gharar dan maisir yang bertentangan dengan prinsip ekonomi syariah yang telah diatur dalam al Qur’an dan Hadis. Based on the results of the study, it can be concluded that the distribution of the ratio in the mudharabah agreement between shahibul maal and mudhari in terms of legal and sharia economic aspects at the Bank BNI Boyolali branch office in funding (deposits) is in accordance with Islamic law. Meanwhile, in financing it is still difficult to carry out according to the mudharabah agreement because Islamic banking is very selective in determining business financing. And in the BNI Syariah bank there are no indications of usury, gharar and maisir which violate the principles of sharia economics in accordance with the teachings of the Islamic religion and sunna. The results of this study can be used as a public reference in determining the use of the Bank. And provide a view to the public that in Islamic banking there is no indication of usury, gharar and maisir which are contrary to the teachings of the Islamic religion and the principles of Islamic economics. Keywords : ratio, mudharabah akad, bank BNI syariah

Item Type:	Karya ilmiah (Thesis)
Uncontrolled Keywords:	ratio, mudharabah akad, bank BNI syariah
Subjects:	K Law > K Law (General)
Divisions:	Fakultas Pasca Sarjana > Magister Hukum
Depositing User:	FAIZAL DEWANTARA
Date Deposited:	25 Sep 2021 06:21
Last Modified:	25 Sep 2021 06:21
URI:	http://eprints.ums.ac.id/id/eprint/94489

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