Tantangan penerapan mudharabah pada perbankan syariah Indonesia
Tinjauan literatur atas realitas praktis dan konseptual
Abstract
The application of mudharabah in Islamic banks is a unique and different product from conventional banking systems. The purpose of implementing Mudharabah is to find out what problems cause the application of Mudharabah in Islamic banking to be ineffective when implementing it. This article uses the Mudharabah literature study method has two types, namely mudharabah muthlaqah and mudharabah muqayyadah.mudharabah has certain conditions and also has harmony. This mudharabah practice involves between capital owners and managers. The discussion of mudharabah in Sharia banking tends to be more applicable and practical, when compared to theoretical fiqh literature. Normatively, mudharabah cannot be categorized as debt receivables or borrowing. In practice, shari'ah banks in providing mudharabah financing always require a guarantee. The application of mudharabah in Islamic banking has many obstacles but it can also be anticipated. The results of the discussion of this article found obstacles in the implementation of mudharabah in Islamic banking in Indonesia
Downloads
References
Arianti, F. (1967). Mudharabah Dalam Bank Syariah. Angewandte Chemie International Edition, Vol 6(No. 11), 1–7.
Fauziah, N. W., & Segaf, S. (2022). Seberapa Pengaruh Penetapan Nisbah Bagi Hasil, Inflasi, Dan Jumlah Uang Beredar Terhadap Deposito Mudharabah Di Indonesia. Jurnal Tabarru’: Islamic Banking and Finance, 5(2), 435–447.
Rahayu, E. J. (2013). Mitigasi Resiko Akad Pembiayaan Mudharabah pada Perbankan Syariah. Muqtasid: Jurnal Ekonomi Dan Perbankan Syariah, 4(1), 55. https://doi.org/10.18326/muqtasid.v4i1.55-73
Srisusilawati, P., & Eprianti, N. (2017). Penerapan Prinsip Keadilan Dalam Akad Mudharabah Di Lembaga Keuangan Syariah. Law and Justice, 2(1), 12–23. https://doi.org/10.23917/laj.v2i1.4333
Suryaningsih, S. A. (2013). Aplikasi Mudharabah dalam Perbankan Syariah. FITRAH: Jurnal Kajian Ilmu-Ilmu Keislaman, 04(1), 14.
Yusuf, M. A., Febriyani, E., Anggraini, M., & Lestari, A. P. (2023). Analisis Risiko Pembiayaan Mudharabah di Bank Syariah. Journal of Indonesian Sharia Economics, 2(1), 65–76.
Copyright (c) 2024 Eka Saifi Rijal, Rizky Aziz Romadhon
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
