Analisis Jaminan pada Pembiayaan Mudarabah dalam Perspektif Maqasid al-Syari'ah
DOI:
https://doi.org/10.24090/mnh.v13i2.1679Keywords:
collateral;, muá¸Äraba;, portfolio;, risk;, maqÄá¹£id al-syarī‘ahAbstract
This paper analyzes the concept of muá¸Ärabah as the main product in sharia banking, where the financing product should be excellent in its marketing. However, muá¸Ärabah financing products are often faced with complicated portfolios and low market shares because they are indicated by high levels of financial risk. To bridge this, collateral is one of the tools used by the Sharia Bank in order to minimize these risks. This type of research is literature with a qualitative-explorative descriptive approach. The results showed that the collateral in muá¸Ärabah financing functions as a Shariah Bank intervention tool to create benefits for creditors and debtors in the event of default in their business, also to avoid moral hazard activities and asymmetric information.References
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Dahlan, Ahmad. “Two Tier Muá¸Ärabah di Bank Syariah: Transformasi Fikih dalam Bisnisâ€. Jurnal Al-Manahij, Vol. VIII. No. 1 (2014), 95-108.
Dewan Syariah Nasional MUI dan Bank Indonesia, Himpunan Fatwa Dewan Syari‟ah Nasional MUI Cet. Ke-3. Jakarta: CV. Gaung Persada, 2006.
Ismanto, Kuat. Asuransi Perspektif Maqasid Asy-Syariah. Yogyakarta: Pustaka Pelajar, 2016.
Ghazaly, Abdurahman, dkk. Fiqh Muamalat. Yogyakarta: Kencana, 2010.
Hadi, A Chairul. “Problematika Pembiayaan Muá¸Ärabah di Perbankan Indonesiaâ€. Journal Al-Iqtishad, Vol. III, No. 2 (2011): 193-208, http://doi.org/10.15408/aiq.v3i2.2521.
Haroen, Nasrun. Perdagangan Saham di Bursa Efek: Tinjauan Hukum Islam. Jakarta: Yayasan Kalimah, 2000.
Hulam, Taufiqul. “Jaminan dalam Transaksi Pembiayaan Muá¸Ärabah pada Perbankan Syariahâ€. Jurnal Mimbar Hukum, Vol. 22 No.3 (2010): 520-533.
Ismanto, Kuat. Asuransi Perspektif Maqasid Asy-Syariah. Yogyakarta: Pustaka Pelajar, 2016.
Maulana, Muhammad. “Jaminan Dalam Pembiayaan Pada Perbankan Syariah di Indonesia (Analisis Jaminan Pembiayaan MusyÄrakah dan Muá¸Ärabahâ€. Jurnal Ilmiah Islam Futura, Vol.14. No.1 (2014).
Muhammad. Manajemen Pembiayaan Mudharabah (Strategi Memaksimalkan Return dan Meminimalkan Risiko Pembiayaan Mudharabah di bank Syariah. Bandung: Remaja Rosdakarya, 2019.
Naf’an. Pembiayaan Musyarakah dan Mudharabah. Yogyakarta: Graha Ilmu, 2014.
Rosyadi, Imron. Jaminan Kebendaan berdasarkan Akad Syariah. Yogyakarta: Kencana, 2017.
Shidiq, Ghofar. “Teori Maqashid Al-Syariah Dalam hukum Islamâ€. Jurnal Sultan Agung, Vol. XLIV, No. 118 (2009).
Susilo, Edi. Analisis Pembiayaan dan Risiko Perbankan Syariah. Yogyakarta: Pustaka Pelajar, 2017.
Syafi’i Antonio, Muhammad. Bankig Bank Syariah Dari Teori Ke Praktek. Jakarta: Gema Insani, 2001.
Waluyo, Bambang. “Implementasi Pembiayaan Mudharabah Pada Bank Syariah Untuk Merealisasikan Tujuan Ekonomi Islamâ€. Jurnal Ekonomi dan Bisnis Islam, Vol. 2, No. 2 (2016).
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Published
28-11-2019
How to Cite
Lestari, D. M. (2019). Analisis Jaminan pada Pembiayaan Mudarabah dalam Perspektif Maqasid al-Syari’ah. Al-Manahij: Jurnal Kajian Hukum Islam, 13(2), 217–227. https://doi.org/10.24090/mnh.v13i2.1679
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