Problematika Moral Hazard pada Pembiayaan Mudharabah di BMT Maslahah Cabang Ngoro Kabupaten Mojokerto (original) (raw)

Indikasi Moral Hazard Pada Pembiayaan Mudharabah Dan Murabahah Pada Bank Umum Syariah DI Indonesia

2017

This study aims to analyze the presence of Moral Hazard indications on Mudaraba and Murabaha Financing at Islamic Banks in Indonesia. It uses the NPF variable to measure the moral hazard indication. If the NPF is high, then there will be indications of moral hazard; but if the value of the NPF is low, then there will be no indication of moral hazard on Islamic banking. The population in this research is the Islamic banking in Indonesia in the period of 2007 to 2012. The sampling method is purposive sampling technique with the following criteria: First, Islamic banks which are enrolled in Legal Islamic Banks database; Second, Islamic banks which publish their Quarter financial statements during the period of 2007 – 2012; Third, Islamic Banks that have complete variable database to be studied. The data taken is the data that produces a positive return value. So, the numbers of sample that pass several measurements are defined. It is found 3 Islamic banks used as sample: BMI, BMSI, and...

Studi Analisis Manajemen Risiko Pembiayaan Mudharabah di BMT Sidogiri Cabang Bondowoso

MOMENTUM : Jurnal Sosial dan Keagamaan

In familiar Islamic financial institutions we hear the term mudharabah, mudharabah is a contract that involves between two or more people, namely the owner of investor capital (Shahibul Maal) who entrusts his capital to people (mudharib) to be managed. The division of mudaraba is divided into two, namely: the first: Mudharabah muqayyadah which means shahibul maal gives a limit to the funds invested. And secondly: Mudharabah Muthlaqah Shahibul Maal does not provide limits on the funds invested. The focus of this study is first how the implementation of mudharabah financing at BMT Sidogiri Branch Bondowoso. Second, what is the risk management strategy of mudharabah financing at BMT Sidogiri Branch Bondowoso. The research objectives are 1). To obtain information about the implementation of mudharabah financing at BMT Sidogiri Branch Bondowoso. 2). Want to describe the risk management strategy for mudharabah financing at BMT Sidogiri Branch Bondowoso. In this study the authors used qualitative research with interview methods, observation methods and documentation methods. so in the form of analysis we use qualitative descriptive analysis. The results showed that mudharabah financing at BMT Sidogiri Branch Bondowoso was in accordance with the Shari'a contained in sharia economic theory because in it the terms and conditions were met, but in mudharabah financing at BMT Sidogiri, Bondowoso Branch could only be realized in the form of fund collection .

Implementasi Pembiayaan Mudharabah dan Murabahah di BMT NU Ngasem Bojonegoro

El-Qist : Journal of Islamic Economics and Business (JIEB)

BMT NU Ngasem Bojonegoro has several financing products including mudaraba, musharaka and murabahah. In this study, what is interesting for the writer to study is mudaraba financing and murabahah financing. This is because mudharabah and murabahah contracts are contracts that are easy to apply in channeling funds. BMT is quite selective in analyzing financing before BMT realizes financing, to minimize losses caused by bad loans due to lack of financing realialization standards. This study uses a qualitative descriptive approach, and uses primary and secondary data sources. This data collection method uses interviews, observation and documentation. Data analysis techniques used are data reduction analysis techniques, data presentation and verification or conclusion drawing. To check the validity of the findings the author uses triangulation techniques. The results showed that the implementation of mudharabah financing in BMT NU Ngasem Bojonegoro the procedure was not in accordance wi...

Penerapan Pembiayaan Murabahah pada Kantor Kas BMT Dana Barokah Muntilan Kabupaten Magelang

FINANSIA: Jurnal Akuntansi dan Perbankan Syariah

Penelitian ini bertujuan untuk mengetahui procedure pembiayaan murabahah dan penerapan pembiayaan murabahah pada BMT Dana Barokah. Dalam melakukan penelitian ini penulis memilih subyek pada kantor kas BMT Dana Barokah Muntilan. Metode yang digunakan dalam penelitian ini adalah metode kualitatif dengan melakukan wawancara langsung dengan nasabah dan karyawan BMT. Hasil studi yang penulis dapatkan dari penelitian ini adalah procedure dalam pengajuan pembiayaan murabahah melalui tiga tahap yaitu memenuhi persyaratan sebagai pemohon, selanjutnya coordinator pembiayaan mengumpulkan berkas yang diajukan oleh pemohon berfungsi untuk melakukan survey, kemudian koordinator pembiayaan melakukan analisa dari hasil survey terhadap calon nasabah jika layak kemudian dilakukan pencairan dana. Penerapan pembiayaan murabahah pada BMT Dana Barokah yaitu Dalam penerapan pembiayaan murabahah didasarkan pada dua elemen pokok yaitu harga beli serta tambahan biaya keuntungan sesuai dengan kesepakatan. Be...

Pembiayaan Mudharabah DI BMT Surya Mandiri Ponorogo

Abstrak BMT "Surya Mandiri" apabila dalam memberika pembiayaan dalam operasionalnya mudharib telah mengalami kerugian yang menanggung adalah pihak pengelola (mudharib) walaupun itu bukan kesalahan si pengelola itu bukan kesalahan si pengelola, dan pihak BMT Syari'ah akan menanggung. Sedangkan menurut istilah fiqih, apabila dalam transaksi tersebut mengalami kegagalan, sehingga karena itu terjadi kerugian yang sampai mengakibatkan sebagian atau seluruh modal yang ditanamkan oleh shahibulmaal habis maka yang menanggung kerugian keuangan hanya shahibul maal sendiri, sedangkan mudharib sama sekali tidak hurs menanggung krugian modal yang hilang. Dengan catatan mudharib dalam menjalankan usahanya sesuai dengan aturan yang telah mereka setujui , tidak menyalahgunakan modal yang dipercayakan kepadanya. Dengan demikian pihak shohibul maal kehilangan sebagian atau seluruh modalnya, sedangkan mudharib tidak menerima renumerasi (imbalan) apapun untuk kerja dan usahanya(jerih paya...

Manajemen Risiko Pembiayaan Murabahah Pada Baitul Maal Wat Tamwil (BMT)

Al-Azhar Journal of Islamic Economics, 2019

Penelitian ini bertujuan untuk mengetahui praktik pembiayaan murabahah, risiko yang terkait dengan pembiayaan murabahah, dan cara mengatasi risiko yang terkait dengan pembiayaan bermasalah pada BMT di Makassar. Penelitian ini menggunakan desain kualitatif. Data penelitian ini diperoleh dari wawancara langsung dengan pihak-pihak terkait. Peneliti juga mengumpulkan dokumen-dokumen yang relevan dan mendukung pembahasan penelitian. Hasil penelitian menunjukkan praktik pembiayaan murabahah pada BMT di Makassar digunakan untuk pengadaan barang konsumsi maupun penambahan modal usaha (pembelian barang dagangan). Risiko yang dihadapi secara umum adalah kredit macet. Kredit macet dapat disebabkan oleh kebakaran atau penggusuran tempat usaha. Risiko lainnya yang dihadapi terkait dengan barang adalah rusak atau hilangnya barang yang sudah dibeli dalam masa angsuran. Risiko yang terkait dengan nasabah adalah nasabah yang berpindah tempat tanpa konfirmasi dengan pihak BMT, sakit, kematian atau ka...

Problematika Pembiayaan Mudharabah di Perbankan Syariah Indonesia

Al-Iqtishad: Journal of Islamic Economics, 2015

Financing Problems of Mudhârabah at Islamic Banking in Indonesia. Islamic bank was originally constructed as a non-usurious bank with profit and loss sharing in all its operational mechanism. However, its progress in fulfilling the function of banks as intermediaries (financial intermediary), all types of business law legalized of syar'î based non-profit-sharing such as trade, leasing, and other services into products of Islamic banks. In fact, theoretically financing products with profit sharing scheme can be more economically prosperous society. This article discusses the problems and solutions system sharing (mudhârabah) in the scheme of financing in Islamic banks.

PERAN PEMBIAYAAN MUDHARABAH DALAM PENGEMBANGAN KINERJA USAHA MIKRO (Studi Kasus pada BMT Sumber Mulia, BMT Assaadah dan BMT Hubbul Wathon di Kabupaten Semarang)

Jurnal Ekonomi dan Bisnis, 2018

The purpose of this study is to describe and analyze factors that supports the successful ofmudharabah financing of micro-enterprises performance. The sample in this study amountedto 52 members BMT Sumber Mulia, BMT Assaadah and BMT Hubbul Wathon mudharabahfinancing recipients and 10 BMT employees. This research is explanatory research. Thisresearch uses multiple linear regression analysis. The result of the analysis concludes thatmudharabah financing conducted by BMT Sumber Mulia, BMT Assaadah and BMT HubbulWathon have expanded its business based on sharia principles, mudharabah financing providedfor BMT members has good impact for its business, mudharabah financing has significant effecton the micro-enterprises performance, business experience has significant effect on the microenterprisesperformance, the age of the micro entrepreneurs has no significant effect on themicro-enterprises performance, the coaching does not strengthen the effect of mudharabahfinancing on the micro-ente...

Analisis Pembiayaan Murabahah dan Solusi Permasalahannya pada BMT Rizky Barokah Cabang Talun Magelang

Jurnal Maps (Manajemen Perbankan Syariah), 2020

The murabahah finance is sell and buy transaction which is seller acknowledge selling price and buyer pay to the seller as much as the price plus margin that being approved. Sometimes on going murabahah finance promise found obstacles and resistance being faced bank or debtor party. There for, we want to study more deep about murabahah finance in BMT RIzky Barokah as a research object. The research aims to analysis of the operation of murabahah finance, analysis of murabahah operation in KSPPS BMT Rizky Barokah with Fatwa Dewan Syariah Nasional (DSN MUI), and analysis of member perception of KSPPS BMT Rizky Barokah about murabahah finance. This type of research is qualitative research with data analysis techniques, namely data reduction, data display, and conclusion drawing and verification. The result is found conclusion that is process of operationalization of murabahah finance in KSPPS BMT Rizky Barokah different based on object of goods in the murabahah promise. There is a goods...