Implementation of Islamic Bank Mudharabah Financing in Makassar
DOI:
https://doi.org/10.33506/sl.v13i1.2787Keywords:
pembiayaan mudharabah, bank islam, implementasi pembiayaan, pembiayan perbankanAbstract
This study aims to determine the implementation of mudharabah contracts in Islamic banks. The type of research used is qualitative. This research was conducted with in-depth interviews. The informants who will be the source of data in this research are people who are directly involved in mudharabah financing practices. Informants were determined by purposive sampling and snowball techniques. Informants were determined by certain criteria: (1) Islamic banking leaders in Makassar (2) Islamic banking account officers in Makassar (3) Customers who are or have received mudharabah financing. The total number of informants is 5 people. The results showed that there is a high risk of moral hazard so that this financing is transferred to the Mudharabah contract, so the conclusion of this study is that the implementation of the mudharabah contract is not fully implemented.
References
Abdulmajeed, Muhammad Raji Aderemi. Mudharabah Based Crowdfunding as an Alternative Source of Funding Book Publications in Malaysia. Journal of Islamic Marketing, 2021.
Akhmad Faozan, “Implementasi Good Corporate Governance Dan Peran Dewan Pengawas Syariah di Bank yariah." La_Riba 7.1 (2013): 1-14.
Ana, Dimas Elly and Arif Zunaidi. Strategi Perbankan Syariah Dalam Memenangkan Persaingan. Proceedings of Islamic Economics, Business, and Philanthropy, Volume 1, Issue 1, 2022.
Ambo Masse, Rahman. Konsep Mudharabah Atas Kajian Fiqh dan Penerapan Perbankan. Jurnal Hukum Diktum, Volume 8, Nomor 1, Januari 2010, hlm 77-85
Arianto, Dwi Agung Nugroho. Peranan Al-Mudharabah sebagai Salah Satu Produk Perbankan Syariah Dalam Upaya Mengentaskan Kemiskinan di Indonesia. Jurnal Ekonomi & Pendidikan, 8(2), 2011.
Asmirawati and Sumarlin, "Perilaku Moral Hazard Nasabah pada Pembiayaan Berbasis Bagi Hasil pada Perbankan Syariah." LAA MAISYIR: Jurnal Ekonomi Islam 5.1, 2018.
Farida Nugraha, Metode Penelitian Kualitatif, (Surakarta: 2014).
Giorgi A, Phenomenology and Psychological Research, (Duquesne University Press, 1991).
Hermawan, Iwan, Nurwadjah Ahmad, and Andewi Suhartini. "Konsep Amanah dalam Perspektif Pendidikan Islam." QALAMUNA: Jurnal Pendidikan, Sosial, Dan Agama 12.22020.
Hidayat, Chusnul Maulidina, Lina Fatimah Lishobrina, and Maliana Puspa Arum. "Analisis Peran Financial Technology dalam Meningkatkan Keuangan Inklusif pada UMKM di Kabupaten Banyumas." Jurnal Riset dan Inovasi Manajemen 1.2, 2023.
Kadir, Syahruddin, M. Lutfi dan NB Sapa. Implementasi Akad Musyarakah Mutanaqishah Di Lembaga Keuangan Islam. Islamic Economic and Business Journal 4.2, 2022.
Kusnandar, Viva Budi. Jumlah Penduduk Muslim di Indonesia https://databoks.katadata.co.id/datapublish/2022, diakses pada tanggal 22 Juli 2023, jam 20.26.
Lincoln, YS-Guba, and E G Guba, Naturalistic inquiry, (1985), h.43.
Marzuki, Simposium Asbisindo, Antara, 2020.
Muhammad, Dzaki Bisri. Analisis Pengaruh Pembatasan Kegiatan Masyarakat, Pemahaman Mudharib Dan Laporan Kegiatan Usaha Terhadap Bagi Hasil Pembiayaan Mudharabah Pada Masa Pandemi Covid 19Diss. UIN Raden Intan Lampung, 2022.
Musfika, Risky Ana, Wahyuddin Abdullah, and Ismawati Ismawati. Pelaksanaan Lelang Eksekusi Aset Jaminan Murabahah BNI Syariah Berdasarkan Perspektif Bai’Al-Muzayaddah Dalam Menentukan Harga Limit Kewajaran (Studi Kasus pada KPKNL Makassar)." Islamic Banking, Economic and Financial Journal 1.2, 2021.
Muhammad. Penyesuaian Masalah Agensi (Agency Problem) dalam Kontrak Pembiayaan Mudharabah. journal.uii.ac.id, 2008.
Najib, Mohamad Ainun. "Penguatan Prinsip Syariah Pada Produk Bank Syariah." Jurnal Jurisprudence 7.1, 2017.
Nissa, Izzun Khoirun, and M. Dhzuhri. "Peran bank syariah dalam berbagai aspek bagi masyarakat Indonesia." Jurnal Rekoginisi Ekonomi Islam. 2022.
Novitasari, Anindita Trinura, Kontribusi UMKM Terhadap Pertumbuhan EkonomiEera Digitalisasi Melalui Peran Pemerintah. JABE (Journal of Applied Business and Economic), 9. 2, 2022.
Purnomo, Joko Hadi. Manajemen Resiko Pembiayaan Mudharabah Pada Perbankan Syariah (Studi Kasus Bank Muamalat Cabang Surabaya). Al Hikmah: Jurnal Studi Keislaman 7.2, 2017.
Putro, Bobby Setyo. Penerapan Prinsip Transparansi dalam Produk Pembiayaan Mudharabah pada Bank Syariah. Diss. Brawijaya University, 2015.
Rahmawati, Teti. Indikasi Moral Hazard Dalam Penyaluran Pembiayaan Pada Perbankan Syariah di Indonesia. Jurnal JRKA, 2015.
Romdlan, Ahmad dan Mashuri Toha. Persepsi Pemahaman Masyarakat Tentang Perbankan Syariah. Jurnal Penelitian Ekonomidan Bisnis, vol. 1(2), 2021.
Samsul dan Ismawati. Tingkat Pemahaman Mahasiswa Terhadap Produk-Produk Perbankan Syariah. : Jurnal Ekonomi, Keuangan dan Perbankan Syariah, , vol. 4(1), 2020.
Sulisytawati, A. I., Santoso, A., & Ulfa, A. Bisnis Bank Syariah : Telisik Faktor Pengaruh Profit Distribution Management. Jurnal Ilmiah Ekonomi Islam, 7(1), 311. https://doi.org/10.29040/jiei.v7i1.1717. 2021.
Abdurrahman, Hafidz. Rapor Merah Bank Syariah. Bogor, Al Azhar Press, 2016.
Andrianto dan Firmansyah M. Anang. Manajemen Bank Syariah. Bandar Lampung, Qiara Media, 2019.
Al-Qaradhawi, Y. Norms and Ethics of Islamic Economics. Depok: Gema Insani, 2021
Ascarya. Akad dan Produk Bank Syariah. Depok, PT. Raja Grafindo Persada, 2011.
Marshall., Chaterina, & Gretchen B Rossman. Designing Qualitative Research, second Edition, Sage Publisher, London, Publication, International Educational and Proffesional, 1995.
Moleong, Lexi J., and P. R. R. B. Edisi. "Metodelogi penelitian." (Bandung: Penerbit Remaja Rosdakarya, 2004.
Nasution, Muhammad Lathief Ilhamy. Manajemen Pembiayaan Bank Syariah, 2018.
Ryandono, Muhamad Nafik Hadi dan Rofiul Wahyud. Manajemen Bank Syariah. Jogjakarta: UAD Press, 2018.
Sugiyono. Combination Research Methods (Mixed Methods). Cet. X; Bandung: Alfabeta, 2018.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2023 SENTRALISASI
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Please find the rights and licenses in Sentralisasi. By submitting the article/manuscript of the article, the author(s) agree with this policy. No specific document sign-off is required.
1. License
The non-commercial use of the article will be governed by the Creative Commons Attribution license as currently displayed on Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
2. Author(s)' Warranties
The author warrants that the article is original, written by the stated author(s), has not been published before, contains no unlawful statements, does not infringe the rights of others, is subject to copyright that is vested exclusively in the author, and free of any third party rights, and that any necessary written permissions to quote from other sources have been obtained by the author(s).
3. User/Public Rights
Sentralisasi's spirit is to disseminate articles published are as free as possible. Under the Creative Commons license, Sentralisasi permits users to copy, distribute, display, and perform the work for non-commercial purposes only. Users will also need to attribute authors and Sentralisasi on distributing works in the journal and other media of publications. Unless otherwise stated, the authors are public entities as soon as their articles got published.
4. Rights of Authors
Authors retain all their rights to the published works, such as (but not limited to) the following rights;
- Copyright and other proprietary rights relating to the article, such as patent rights,
- The right to use the substance of the article in own future works, including lectures and books,
- The right to reproduce the article for own purposes,
- The right to self-archive the article (please read our deposit policy),
- The right to enter into separate, additional contractual arrangements for the non-exclusive distribution of the article's published version (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal (Sentralisasi).
5. Co-Authorship
If the article was jointly prepared by more than one author, any authors submitting the manuscript warrants that he/she has been authorized by all co-authors to be agreed on this copyright and license notice (agreement) on their behalf, and agrees to inform his/her co-authors of the terms of this policy. Sentralisasi will not be held liable for anything that may arise due to the author(s) internal dispute. Sentralisasi will only communicate with the corresponding author.
6. Royalties
Being an open accessed journal and disseminating articles for free under the Creative Commons license term mentioned, author(s) aware that Sentralisasi entitles the author(s) to no royalties or other fees.
7. Miscellaneous
Sentralisasi will publish the article (or have it published) in the journal if the article editorial process is successfully completed. Sentralisasi's editors may modify the article to a style of punctuation, spelling, capitalization, referencing, and usage that deems appropriate. The author acknowledges that the article may be published so that it will be publicly accessible and such access will be free of charge for the readers as mentioned in point 3.
