Problem Penerapan Bagi Hasil dalam Pembiayaan di Perbankan Syariah
DOI:
https://doi.org/10.24090/mnh.v4i2.3719Keywords:
Moral Hazard, Adverse Selection, Asymetric InformationAbstract
Instead of the rationale and potential benefits of the PLS system emphasized by the academic community, experiences indicate some inherent problems in applying PLS mode of financing. These problems prevent banks from adopting the PLS financing contract, thus there is a lack of profit-loss sharing (PLS) contract in the practice of Islamic banking. Basically, the problems arose from the nature of the system itself, which does not ascertain the rate of return positively, this system gives a wide range of freedom that release the user of the fund to manage and control the activity and productivity of the business. On the other side, it potentially brings Islamic Banks to face to face with the problem of moral hazard and adverse selection done by the user of the fund (businessman). These main problems derived from the existence of asymmetric information between the bank and the user of the fund. To be able to contribute to the economic stability, shariah banking should dominate their financing portfolio based on the PLS system. For that aim, many ways are offered.References
Arifin, Zainul. Memahami Bank Syariah Lingkup, Peluang, Tantangan dan Prospek. Jakarta: Alvabet, 2000.
Baldwin, Ken. "The Economic of Information and Piecewise-Linier Limited Liability Profit Sharing Contracts," discrtasi Ph.D. tidak dipublikasikan. United Kingdom: Loughborough University, 2000.
Birton, M. Nur. "Prospek Penerapan Distribusi Bagi Hasil Profit Sharing? tesis tidak dipublikasikan. Jakarta: Program Studi Kajian Timur Tengah dan Islam Universitas Indonesia, 2004.
Dar, M.Humayon A dan John R Presley, "Lack of Profit Sharing in Islamic Banking: Management and Control Imbalances," dalam International journal of Islamic Financial Series, 2: 2 (2000).
Karim, Adiwarman A Ekonomi Islam: Suatu Kajian Kontemporer. Jakarta: Gema Insani Press, 2001.
Karsten, Ingo. "Islamic and Financial Intermediation," IMF Staff Papers, Maret 1982.
Khan, Muhammad Akram. "A Survey of Critical Literature on Interest-Free Banking," Journal of Islamic Banking and Finance, Winter 1989.
Muhammad, Konstruksi Mudarabah dalam Bisnis Syariah: Mudarabah dalam Wacana Fiqh dan Praktek Ekonomi Modern, Yogyakarta: Pusat Studi Ekonomi Islam STIS Yokyakarta, 2003.
Mulyawan, Dadang. "Tinjauan Kritis Konsep Bagi Hasil dalam Kontrak," dalam Republika Online, Senin, 29 Oktober 2001.
Parinduri,Rasyad A. "Bank Islam Sebenar-Benarnya" dalam Tempo Cyber Media (on-line), 11 Juli 2003.
Presley, JR dan Sessions, JG. "Islamic Economics: The Emergence of a New Paradigm" dalam The Economic Journal, Vol 104, 1994.
Sabirin, Syahril. "Perbankan Syariah Ditengah Industry Keuangan Global" Makalah Kuliah umum STEI Tazkia, Jakarta, 16 September, 2003.
Saidi, Zaim."Bank Syariah Tidak Islami," dalam Republika Online, 18 Juli 2003.
Setyanto, Budi. "Keuntuagan Menabung di Perbankan Syariah", dalam Tazkia Institute (on-line), Senin, 16 September 2002.
Siregar, Mulya. "Bank Syariah Solusi Permasalahan Perbankan Nasional?" dalam Majalah Pengembangan Perbankan, No. 89, Mei-Juni 2001.
Stiglitz, J. dan Weiss A. "Credit Rationing in Markets with Imperfect Information," dalam American Economic Review, 71: 3 (1981).
Bank Syariah, Filosofi dan Operasi, Jakarta: Biro Perbankan Syariah Bank Indonesia, 2001.
Statistic of Islamic Bank and Financial Institution 2003. Jeddah: International Association of Islamic Banks, 2003.
Statistik Perbankan Syariah Februari 2007. Jakarta: Direktorat Perbankan Syariah Bank Indonesia, 2007.
Baldwin, Ken. "The Economic of Information and Piecewise-Linier Limited Liability Profit Sharing Contracts," discrtasi Ph.D. tidak dipublikasikan. United Kingdom: Loughborough University, 2000.
Birton, M. Nur. "Prospek Penerapan Distribusi Bagi Hasil Profit Sharing? tesis tidak dipublikasikan. Jakarta: Program Studi Kajian Timur Tengah dan Islam Universitas Indonesia, 2004.
Dar, M.Humayon A dan John R Presley, "Lack of Profit Sharing in Islamic Banking: Management and Control Imbalances," dalam International journal of Islamic Financial Series, 2: 2 (2000).
Karim, Adiwarman A Ekonomi Islam: Suatu Kajian Kontemporer. Jakarta: Gema Insani Press, 2001.
Karsten, Ingo. "Islamic and Financial Intermediation," IMF Staff Papers, Maret 1982.
Khan, Muhammad Akram. "A Survey of Critical Literature on Interest-Free Banking," Journal of Islamic Banking and Finance, Winter 1989.
Muhammad, Konstruksi Mudarabah dalam Bisnis Syariah: Mudarabah dalam Wacana Fiqh dan Praktek Ekonomi Modern, Yogyakarta: Pusat Studi Ekonomi Islam STIS Yokyakarta, 2003.
Mulyawan, Dadang. "Tinjauan Kritis Konsep Bagi Hasil dalam Kontrak," dalam Republika Online, Senin, 29 Oktober 2001.
Parinduri,Rasyad A. "Bank Islam Sebenar-Benarnya" dalam Tempo Cyber Media (on-line), 11 Juli 2003.
Presley, JR dan Sessions, JG. "Islamic Economics: The Emergence of a New Paradigm" dalam The Economic Journal, Vol 104, 1994.
Sabirin, Syahril. "Perbankan Syariah Ditengah Industry Keuangan Global" Makalah Kuliah umum STEI Tazkia, Jakarta, 16 September, 2003.
Saidi, Zaim."Bank Syariah Tidak Islami," dalam Republika Online, 18 Juli 2003.
Setyanto, Budi. "Keuntuagan Menabung di Perbankan Syariah", dalam Tazkia Institute (on-line), Senin, 16 September 2002.
Siregar, Mulya. "Bank Syariah Solusi Permasalahan Perbankan Nasional?" dalam Majalah Pengembangan Perbankan, No. 89, Mei-Juni 2001.
Stiglitz, J. dan Weiss A. "Credit Rationing in Markets with Imperfect Information," dalam American Economic Review, 71: 3 (1981).
Bank Syariah, Filosofi dan Operasi, Jakarta: Biro Perbankan Syariah Bank Indonesia, 2001.
Statistic of Islamic Bank and Financial Institution 2003. Jeddah: International Association of Islamic Banks, 2003.
Statistik Perbankan Syariah Februari 2007. Jakarta: Direktorat Perbankan Syariah Bank Indonesia, 2007.
Downloads
Published
04-06-2020
How to Cite
Kusumastuti, D. (2020). Problem Penerapan Bagi Hasil dalam Pembiayaan di Perbankan Syariah. Al-Manahij: Jurnal Kajian Hukum Islam, 4(2), 235–252. https://doi.org/10.24090/mnh.v4i2.3719
Issue
Section
ARTICLES
License
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).