Pandangan Ulama Mazhab (Fuqaha) terhadap Akad Mudharabah dalam Ilmu Fikih dan Penerapannya dalam Perbankan Syariah

Ayu, Dena; Mursal, Mursal; Witro, Doli

doi:10.19109/muqaranah.v6i1.11676

Cited by 1 publication

(1 citation statement)

References 7 publications

(7 reference statements)

Supporting

Mentioning

Contrasting

Unclassified

Order By: Relevance

“…Perjanjian mudharabah, ialah bergotong royong memperoleh nikmat yang diberikan sang pencipta yang berlimpah di permukaan bumi, secara umum disebutkan dalam dua ayat di atas [11]. Dengan kata lain akad mudharabah merupakan sarana bagi manusia untuksaling menolong [12]. Menurut ulama f. Ada sejumlah ketetapan norma untuk pendanaan mudharabah: a) mudharabah dapat ditentukan dalam waktu; (b) Akad tidak mesti dihubungkan dengan insiden yang tidak terduga di waktu yang akan datang; c) Umumnya tidak terdapat denda rerhadap mudharabah sebab kesepakatan ini pada hakikatnya adalah titipan (yad al-amanah), kecuali terdapat kealpaan disengaja, kecacatan, atau pengingkaran akad awal d) Badan Arbitrase Syariah digunakan untuk menyelesaikan perselisihan antara para pihak apabila tidak terpenuhi kemufakatan dengan jalur muktamar atau jika ada bagian yang gagal memenuhi tanggung jawabnya [13].…”

Section: Hakikat Mudharabahunclassified

Konsep Akad Mudharabah dalam Perbankan Syariah

2022

View full text Add to dashboard Cite

Islamic banking has a significant difference with conventional banks. This difference can be seen from the application of the contract from the two banks. One of the contracts applied to Islamic banking is mudharabah. Mudharabah contract is a basic principle in running a business by the parties. These parties are Islamic banks and customers. Therefore, this study was conducted with the aim of examining the mudharabah contract starting from the pillars, terms, distribution, benefits, and their application to Islamic banking. This research is library research with a qualitative approach. The data selected is secondary data in the form of primary legal materials and secondary legal materials. The method used in analyzing the data is a qualitative and descriptive analysis method. The result of the research is that the mudharabah contract applied by Islamic banking is based on the principle of justice. Mudharabah is carried out with a profit-sharing system that is approved by the parties in the contract. In the principle of the mudharabah contract, not only profits are shared equally, but if you experience other risks such as losses, the loss will be borne jointly by the parties making the contract. Therefore, the parties to the contract, both Islamic banks and customers, must both have a high level of trust. This is because high trust is a characteristic of mudharabah financing. In addition, it is feared that Islamic banks will face problems of moral hazard and information asymmetry, as is often the case with banks.

show abstract

Section: Hakikat Mudharabahunclassified