ANALISIS KONSISTENSI SISTEM OPERASIONAL SYARIAH DAN PENERAPAN MANAJEMEN RISIKO TERHADAP AKAD MUDHARABAH BANK SYARIAH MENURUT USHUL FIQIH (Studi Pada Bank Muamalat Indonesia Cabang Cipulir)

NURHIKMAH, ASMIATUN (2020) ANALISIS KONSISTENSI SISTEM OPERASIONAL SYARIAH DAN PENERAPAN MANAJEMEN RISIKO TERHADAP AKAD MUDHARABAH BANK SYARIAH MENURUT USHUL FIQIH (Studi Pada Bank Muamalat Indonesia Cabang Cipulir). S1-Sarjana thesis, Universitas Mercu Buana Jakarta.

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Abstract

This study aims to determine the consistency of sharia operational systems and the application of risk management to Islamic bank mudharabah contracts according to ushul fiqh at the Cipulir Bank Muamat Indonesia. This research was conducted by conducting in-depth interviews (in-depth interviews) and using a qualitative descriptive approach. Data analysis used descriptive analysis in the form of describing and explaining data. The results of this study indicate that in its operation, Bank Muamalat Indonesia Cipulir Branch conducted mudharabah transactions on fund collection products with a profit sharing system. Customers who deposit their funds at Bank Muamalat Indonesia are guaranteed by the National Guarantor Board (LPS). Fund Guarantee by LPS is permissible according to the MUI fatwa, but contrary to the fatwa of the OKI Islamic organization, with a fatwa if the mudharabah contract is guaranteed, the contract is changed to qard (credit) and this cancels the contract and the profit received becomes riba dayn. Therefore, Bank Muamalat Indonesia is not consistent in carrying out mudharabah agreements. Then the division of revenue using the system of revenue sharing and losses will be borne by the bank (mudharib) this is contrary to the Shari'a because it should bear the loss is Shahibul Maal, mudarib only suffer losses from time and energy unless mudarib do negligence in doing business. The application of risk management at Bank Muamalat Indonesia applies private principles, confidentiality and prudence in its operations which are supervised by the Sharia Supervisory Board. Keywords: operational system, risk management, mudharabah contract Penelitian ini bertujuan untuk mengetahui konsistensi sistem operasional syariah dan penerapan manajemen risiko akad mudharabah bank syariah menurut ushul fiqih di Bank Muamat Indonesia Cabang Cipulir. Penelitian ini dilakukan dengan melakukan wawancara mendalam (indepth interview) dan menggunakan pendekatan deskriptif kualitatif. Analisis data yang digunakan analisis deskriptif dalam bentuk mendeskripsikan dan mengekplanasikan data. Hasil penelitian ini menunjukkan bahwa dalam operasionalnya Bank Muamalat Indonesia Cabang Cipulir melakukan transaksi mudharabah pada produk penghimpunan dana dengan sistem bagi hasil. Nasabah yang menyimpan dananya di Bank Muamalat Indonesi dijamin oleh Lempaga Penjamin Nasional. Penjaminan Dana oleh LPS dibolehkan menurut fatwa MUI, namun bertentangan dengan fatwa organisasi islam OKI, dengan fatwa apabila akad mudharabah dijaminkan maka akad berubah menjadi qard (kredit) dan hal ini membatalkan akad serta bagi hasil yang diterima menjadi riba dayn. Oleh karena itu, Bank Muamalat Indonesia tidak konsisten dalam menjalankan akad mudharabah. Kemudian pembagian bagi hasil menggunakan sistem revenue sharing dan kerugian akan ditanggung oleh bank (mudharib) hal ini bertentangan dengan syariat karena seharusnya yang menanggung kerugian adalah shahibul maal, mudharib hanya mengalami kerugian dari waktu dan tenaga kecuali mudharib melakukan kelalaian dalam melakukan usahanya. Penerapan manjemen risiko pada Bank Muamalat Indonesia menerapkan prinsip privat, confidential sama dan kehati- hatian dalam operasionalnya yang diawasi oleh Dewan Pengawas Syariah. Kata kunci: sistem operasional, manajemen risiko, akad mudharabah

Item Type: Thesis (S1-Sarjana)
NIM: 43213120229
Uncontrolled Keywords: sistem operasional, manajemen risiko, akad mudharabah
Subjects: 200 Religion/Agama > 290 Other Religions/Agama Selain Kristen > 297 Agama Islam/Islam > 297.4 Islamic law/Hukum Islam > 297.43 Muamalat/Muamalat
200 Religion/Agama > 290 Other Religions/Agama Selain Kristen > 297 Agama Islam/Islam > 297.4 Islamic law/Hukum Islam > 297.43 Muamalat/Muamalat > 297.433 Lease, Borrow-borrow, Labor, Bank, Usury, Insurance/Sewa-menyewa; Pinjam-meminjam; Perburuhan; Bank; Riba; Asuransi
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.1 Banks/Bank, Perbankan
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.8 Interest and Discount/Bunga Bank dan Diskon
Divisions: Fakultas Ekonomi dan Bisnis > Akuntansi
Depositing User: Dede Muksin Lubis
Date Deposited: 12 Oct 2020 06:37
Last Modified: 12 Oct 2020 06:37
URI: http://repository.mercubuana.ac.id/id/eprint/57653

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