Abstract
This study discusses the issues of securities financing of mudharabah in sharia banking. In response to this investigation, the study used qualitative normative jurisprudence methods by analyzing primary and secondary data to generate answers to existing problems. The result of this study is that the application of mudharabah financing securities in Shariah banks still apply the guarantee to mudharib. A mudharabah transaction is a form of cooperation between two or more parties in which the owner of the capital (shahibul maal) entrusts a certain amount of capital to the management (mudharib) with a profit sharing agreement. This form underscores cooperation with the one hundred percent contribution from shahibul maal and entrepreneurs from mudharib. Mudharabah is an agreement entered into between the two contracting parties. In Indonesia, the practice of using guarantees for mudharabah financing was enacted by Law No. 10 of 1998 on banking and Law No. 21 of 2008 on sharia banking and Fatwa of the Shariah Council of the National Council of Indonesian Scholars (DSN-MUI) Number: 07 / DSN-MUI / IV / 2000 which also allows for a guarantee.
Highlights
This study discusses the issues of securities financing of mudharabah
The result of this study is that the application
financing securities in Shariah banks still apply the guarantee to mudharib
Summary
Kajian ini membahas mengenai persoalan-persoalan jaminan pembiayaan mudharabah di perbankan syariah. Kajian menggunakan metode yuridis normatif yang bersifat kualitatif dengan cara menganalisis data primer dan sekunder sehingga menghasilkan jawaban dari permasalahan yang ada. Hasil yang dicapai daripada kajian ini adalah penerapan jaminan pembiayaan mudharabah di bank syariah masih menggunakan jaminan kepada mudharib. Transaksi mudharabah adalah bentuk kerja sama antara dua pihak atau lebih iaitu pemilik modal (shahibul maal) mempercayakan sejumlah modal kepada pengelola (mudharib) dengan suatu perjanjian perkongsian keuntungan. Mudharabah adalah akad yang terjalin antara dua pihak yang melakukan perjanjian. Di Indonesia, amalan penggunaan jaminan untuk pembiayaan mudharabah telah dikuatkuasakan UU Nombor 10 tahun 1998 tentang perbankan dan UU Nombor 21 tahun 2008 tentang perbankan syariah serta Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) Nombor: 07/DSNMUI/IV/2000 yang juga membolehkan adanya suatu jaminan
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