ANALISIS PEMBIAYAAN MUDHARABAH PADA PT. BANK SUMUT KCP SYARIAH STABAT ( Tinjauan Fiqih Muamalah)

Ayu Liviana, Anjur Perkasa Alam, Azhar
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Abstract

The purpose of this study was to determine the process of financing the mudharabah contract at PT. Bank Sumut Kcp Syariah Stabat. To find out the review of Fiqh Muamalah on the process of financing the mudharabah contract at PT. Bank Sumut Kcp Syariah Stabat. To find out the products that exist at Bank Sumut Kcp Syariah Stabat which sell mudharabah contracts. This type of qualitative research is used in this study using descriptive analysis methods. Descriptive analysis is used to explore the collected data and describe clearly the problems and research results. Data collection is done through observation, interviews or structured interviews, and documentation. The results of this study indicate that financing in general is the provision of money or an equivalent claim, based on an agreement or agreement between the bank and another party that requires the party being financed to return the money or bill after a certain period of time with a reward or profit sharing. The principle of mudaraba, the depositor acts as shahibul maal (owner of capital) and the bank as mudharib (manager). The funds are used by the bank to finance murabahah or ijarah as previously described. The bank can also use the funds to carry out mudharabah financing. The results of this business will be divided according to the agreed ratio. In the event that the bank uses it to carry out mudharabah financing, the bank is fully responsible for the losses that occur. The pillars of mudharabah are perfectly fulfilled (there are mudharib, there are owners of funds, there is a business that will be shared, there is a ratio, there is consent and acceptance). This mudharabah principle is applied to time deposit and time deposit products.
本研究的目的是确定在苏穆特Kcp伊斯兰国家银行为mudharabah合同融资的过程。了解Fiqh Muamalah对PT. Bank Sumut Kcp Syariah Stabat的mudharabah合同融资过程的审查。找出susut Kcp Syariah Stabat银行出售mudharabah合同的产品。这种类型的定性研究在本研究中使用描述性分析方法。描述性分析是对收集到的数据进行探究,清楚地描述问题和研究结果。数据收集是通过观察、访谈或结构化访谈和记录来完成的。本研究的结果表明,融资通常是根据银行与另一方之间的协议或协议提供资金或等值索赔,要求被融资方在一定时间后返还资金或账单,并获得奖励或利润分成。根据mudaraba原则,存款人是shahibul maal(资本所有者),银行是mudharib(管理人)。如前所述,这些资金被银行用于资助murabahah或ijarah。该银行还可以利用这些资金开展mudharabah融资。这笔生意的成果将按照商定的比例进行分配。如果银行用它来进行“mudharabah”融资,银行对所发生的损失负全部责任。mudharabah的支柱完全实现了(有mudharib,有基金所有者,有将被分享的业务,有一个比例,有同意和接受)。定期存款及定期存款产品适用“mudharabah”原则。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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