Implementasi Kepatuhan Syariah Pada Produk-Produk Pembiayaan di Bayt Al-Mal Surya Mandiri Cabang Pembantu Jetis

Hayyin Uhtiyani Khoiron(1*), Isnatin Ulfah(2)
(1) Institut Agama Islam Negeri Ponorogo
(2) Institut Agama Islam Negeri Ponorogo
(*) Corresponding Author
DOI : 10.21154/invest.v2i1.3804

Abstract

The Sharia Economic Law Compilation determines that the field of business to be carried out and the distribution of profits between the two parties must be stated clearly and definitely, as well as according to the agreement. In practice, mudarabah financing at BMT Surya Mandiri Capem Jetis only conducts surveys related to customer conditions without surveying the business fields carried out by customers, so the financing is sometimes used for consumptive needs. While profit sharing is considered less clear and definite, where profits should be shared, BMT only determines the percentage of profit itself without determining the percentage of profits that the customer as manager. In this study, the author looks at how KHES reviews the determination of business fields and profit sharing on financing products at BMT Surya Mandiri Sub Branch Jetis. From this research, it can be concluded that determination of business fields by KHES is financing provided to customers for business capital or increasing business capital. The financing is used for productive and profitable business fields. Meanwhile, the business fields not by the KHES are financing provided to meet the consumptive needs of customers, not for the business sector. The capital is used to meet personal needs that are not profitable. Furthermore, BMT only determines the percentage of its profit and includes the number of instalments and customer services each month without determining the percentage of profit that is part of the manager, so it is not by the provisions of KHES.

Keywords


Baitul Mal wa Tamwil; Mudarabah; Sharia Economic Law Compilation

References


Departemen Agama Republik Indonesia. Al-Qur’an Dan Terjemahnya. Bandung: CV. Penerbit J-Art, 2005.

Djuwaini, Dimyaudin. Pengantar Fiqh Muamalah. Yogyakarta: Pustaka Pelajar, 2015.

H.Ismail Nawawi. Fikih Muamalah Klasik Dan Kontemporer. Bogor: Ghalia Indonesia, 2017.

Hidayati, Anis. “Tinjauan Kompilasi Hukum Ekonomi Syariah Terhadap Akad Pembiayaan Murabahah Di KPPS MBT Kube Comadu Sejahtera.” IAIN Surakarta, 2018.

Ismaniyati, Neni Sri. Aspek-Aspek Hukum BMT. Bandung: PT. Citra Aditya Bakti, 2010.

Karim, Adiwarman A. Bank Islam analisis fiqih dan keuangan. Jakarta: PT RajaGrafindo Persada, 2010.

Laldin, Mohamad Akram, and Hafas Furqani. “Innovation versus Replication: Some Notes on the Approaches in Defining Shariah Compliance in Islamic Finance.” Al-Jami’ah. Al-Jamiah Research Centre, 2016. https://doi.org/10.14421/ajis.2016.542.249-272.

Majah, Ibn. Sunan Ibn Majah. Jami’ Al-Kutub Al-Tis’ah. Kairo: Dar al-Hadith, 2017.

Nisa, K. “Implementasi Kompilasi Hukum Ekonomi Syariah (Khes) Dalam Pembiayaan Mudharabah Di Bmt Surya Kencana Balong Ponorogo.” IAIN Ponorogo, 2019. http://etheses.iainponorogo.ac.id/6085/1/SKRIPSI ANIS.pdf.

Nugroho, Eko Rial. “Implementation Of Sharia-Compliance In Islamic Bank Product Innovations.” Prophetic Law Review 3, no. 2 (December 1, 2021). https://doi.org/10.20885/PLR.vol3.iss2.art4.

Perpustakaan Nasional: Katalog dalam Terbitan (KDT). Kompilasi Hukum Ekonomi Syariah. Jakarta: Kencana Prennamdeia Group, 2009.

RAHMAN, Md. Habibur. “Bayt Al-Mal and Its Role in Economic Development: A Contemporary Study.” Turkish Journal of Islamic Economics. ILKE Ilim Kultur ve Egitim Dernegi, 2015. https://doi.org/10.15238/tujise.2015.2.2.21-44.

Sa’diyah, Mahmudatus. Fiqih Muamalah II Teori Dan Praktik. Unisnu Press. Jawa Tengah: UNISNU PRESS, 2019. https://www.google.co.id/books/edition/FIQIH_MUAMALAH_II_Teori_dan_Praktik/OinGDwAAQBAJ?hl=en&gbpv=1&dq=murabahah&pg=PA27&printsec=frontcover%0Ahttps://www.google.co.id/books/edition/FIQIH_MUAMALAH_II_Teori_dan_Praktik/OinGDwAAQBAJ?hl=id&gbpv=1&dq=Mahmudatu.

Sari, Nova Purnama, Ruslan Abdul Ghofur, Khumaidi Ja’far, and Surono. “Sharia Compliance Implementation on Gold Pawn Products at Sharia Pawnshops and Sharia Banks XYZ.” Iltizam Journal of Shariah Economics Research 5, no. 2 (2021). https://doi.org/https://doi.org/10.30631/iltizam.v5i2.781.

W, Diyah Erni. “Hasil Wawancara.” Ponorogo, 2020.


Article Statistic

Abstract view : 104 times
PDF (Bahasa Indonesia) views : 66 times

How To Cite This :





Copyright (c) 2022 Hayyin Uhtiyani Khoiron, Isnatin Ulfah