JAMINAN PEMBIAYAAN MUDHARABAH DALAM PERSPEKTIF MASLAHAT

Authors

  • SA’ADAH SA’ADAH FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN ANTASARI

DOI:

https://doi.org/10.18592/taradhi.v4i1.90

Abstract

Mudharabah (Profit Share) finance is one of Islamic Banking products which
characteristically different and has higher risk compared to other finances. At this point, the Islamic
Banking has resolved to provide an assurance for their Mudharabah customers as stated in the Act No.
21 year 2008, and also Fatwa of The National Sharia Committee No. 07/DSN-MUI/IV/2000
regarding basic foundation of Islamic Banking. However, this foundation in contrast, rejects the
application of the assurance into the Mudharabah Finance.
The idea of the application of this assurance in the Mudharabah Finance is taken to make protection
from the existence of Moral Hazard and Asymmetric Information, and to achieve the humanity
values for all the humankind as the customers. Moreover, for the Islamic Banking themselves, this
application is necessarily a part of their concerns to anticipate the Moral Hazard and Asymmetric
Information, assess the liquidity, and secure from the breach of the contract. On the other hand, due
to the assurance, the customers without restraint tend to feel safe and work normally keeping on the
contract given by the banks. In fact, since the variation of multiple finances today, most of the society
needs to have the assurance to assure their investment, and in a wider effect, to create kindness for
the human beings.

Downloads

Published

2013-10-28

Issue

Section

Articles