Peranan Al-Mudharabah Sebagai Salah Satu Produk Perbankan Syariah Dalam Upaya Mengentaskan Kemiskinan Di Indonesia (original) (raw)

Penerapan Mudharabah DI Perbankan Syari’Ah

JOURNAL EKONOMI, KEUANGAN, PERBANKAN DAN AKUNTANSI SYARIAH

Berbagai fenomena tentang ekonomi syari’ah berseliweran dalam pikiran kita. Satu fenomena itu adalah Mudharabah, dimana suatu konsep bagi hasil atau profit sharing yang menjadi ciri dari mudharabah. Banyak perbankan yang mulai mempertimbangkan ditiadakannya konsep mudharabah ini, karena kurangnya peminat atau tidak profitablenya bagi perbankan itu sendiri. Sampai sejauhmana mudharabah ini menjanjikan keuntungan bagi para pelaku, mulai dari definisi, jenis sampai rukun dan syarat serta hal-hal yang membatalkan mudharabah. Inilah yang ingin penulis kaji dalam tulisan kali ini. Metode yang digunakan adalah library research, yaitu serangkaian kegiatan yang berkenaan dengan metode pengumpulan data pustaka. Hasil pembahasannya berupa bagaimana penerapan mudharabah ini di perbankan syari’ah.

Konsep Akad Mudharabah dalam Perbankan Syariah

Jurnal Ekobistek, 2022

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 experie nce 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.

Konsep Mudharabah dan Musyarakah dalam Perbankan Syariah Menurut Abdullah Saeed

Mutanaqishah : Journal of Islamic Banking

This article discusses the concept of profit sharing which is an issue in the debate of Islamic Banking in Indonesia. Researchers try to review how the concept of profit sharing is elaborated with Abdullah Saeed's thoughts. Abdullah Saeed is an Australian scholar and scholar studying Islamic studies. He is currently the Omani Professor of Arabic and Islamic Studies at the University of Melbourne. He is known for his progressive views on religious freedom in Islam.

Konsep Mudharabah Dalam Mendukung UMKM Di Masa Pandemi Covid-19

Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah

This study aims to analyze the concept of mudharabah financing in supporting MSMEs during the covid-19 pandemic. This study uses qualitative descriptive that uses literature studies quoted from book journals and relevant websites. The purpose of this study is to provide alternatives for MSMEs in the face of the covid-19 pandemic and help the Indonesian economy as a whole. The result of the study show that mudharabah financing with a revenue sharing system can relieve MSMEs during the Covid-19 pandemic. With the financing of mudharabah MSME actors get capital in the time of the pandemic crisis without being burdened with interest because the concept of Mudharabah is not only about profit sharing but also about for loss, where MSME actors as mudharib and Islamic banks as shohibul maal. Islamic banks with the concept of Mudharabah Muqayyaddah also give directions to MSME actors about businesses that have opportunities in the Covid-19 pandemic. So Islamic bank not only provide capital...

Pengaruh Pembiayaan Mudharabah dan Musyarakah Terhadap Likuiditas Industri Bank Syariah di Indonesia

Jurnal Ekonomi Syariah Teori dan Terapan

This research aimed to know the influence of financing based on profit sharing against Islamic Banking Industry liquidity in Indonesia from January 2008 through June 2014. This research used the quantitative approach method. The analysis technique used was multiple linear regression and the equation was Y = 0,58 + 0,016 (PMUD) – 0,056 (PMUS)Based on the result of t-test, mudharabah financing and musyarakah financing partially did not influence significantly to liquidity with t test result consecutively 0,765 for mudharabah financing and 0,621 for musyarakah financing. The result of simultaneous test showed that mudharabah financing and musyarakah had significant effect to Islamic banking industry liquidity with siginificant value 0,000. And based on determination test result, the value of R Square is 0,593 or 59,3% that showed the ability of mudharabah financing and musyarakah financing in explaining liquidity of 59,3% and the remaining 40,7% was explainedby other variables outside ...

Akad Mudharabah Sebagai Instrumen Pendanaan Dan Pembiayaan DI Lembaga Keuangan Syariah

Asy-Syari'ah, 2021

Islamic financial institutions grow and develop in Indonesia in line with regulations issued by the government after the promulgation of Law no. 21 of 2008 concerning Islamic Banking. This study aims to discuss the Mudharabah Instrument agreement as Funding and Financing in Islamic Financial Institutions. This research includes using normative juridical methods and qualitative approaches. Data sources refer to books, documents, and other relevant written sources. The results of this study indicate that although mudharabah is not explicitly presented in the Al-Qur'an and As-Sunnah, most of the scholars are considered as the operational foundation of Islamic financial institutions. However, the development of the Mudharabah Akad Concept in Islamic Financial Institutions is still needed by the concept of modern economic development.

Peran Bank Syariah Dalam Mengurangi Kemiskinan

DIKTUM: Jurnal Syariah dan Hukum

This paper will see the Islamic Bank as an Islamic financial institution in order to participate in improving the welfare of all communities. Islamic banks have different purposes than conventional banks, Islamic banks as syariah-based banks and morals have a goal not only to achieve profit but also have social and spiritual goals (maqhasid shariah). Therefore the preparation of Sharia Bank business plan must be based on sustainable business principles and based on worldly balance with the creation of prosperity (maslahat) towards the achievement of eternal victory (falah).

Urgensi Optimalisasi Pembiayaan Mudharabah sebagai Core Product Perbankan Syariah Indonesia

El-Jizya : Jurnal Ekonomi Islam, 2020

Penelitian ini bertujuan untuk mengkaji urgensi optimalisasi pembiayaan mudharabah sebagai core product perbankan syariah di Indonesia. Pembiayaan mudharabah merupakan salah satu produk pembiayaan di perbankan syariah yang menggunakan skema bagi hasil (PLS-Profit and Loss Sharing). Bagi hasil inilah yang menjadi identitas bank syariah dan membedakannya dengan bunga pada bank konvensional. Dalam praktiknya, pembiayaan mudharabah ini jarang diimplementasikan dan mempunyai proporsi paling kecil dari keseluruhan pembiayaan yang disalurkan oleh perbankan syariah. Metode yang digunakan dalam penelitian ini adalah kualitatif deskriptif eksploratif untuk mengkaji urgensi optimalisasi pembiayaan mudharabah perbankan syariah yang ada di Indonesia. Data OJK (Otoritas Jasa Keuangan) tahun 2019 menunjukkan jumlah pembiayaan mudharabah yang disalurkan sebesar 5,41 triliun sedangkan pembiayaan murabahah sebesar 121,04 triliun dari keseluruhan total pembiayaan sebesar 219,67 triliun. Kondisi mempri...

Konsep Mudharabah antara Kajian Fiqh dan Penerapan Perbankan

2010

This article tries to study how the concept of mudharabah in classical Islamic legal theories implemented in Islamic monetary institution, especially Islamic banking. Using library research, this study shows that there exists discrepancy between the concept of mudharabah in classical Islamic books and its implementation in Islamic banking. The discrepancy indicates that the door of ijtihad is still widely open in contemporary Islamic law. The prudential principle necessitates Islamic banking to contextualize the classical concept of mudharabah in contemporary socio-cultural situation.