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ANALISIS YURIDIS TERHADAP MENINGGALNYA MUDHARIB DALAM AKAD PEMBIAYAAN MUDHARABAH PADA PERBANKAN SYARIAH Irawan, Vendra
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 7, No 2 (2019): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (563.016 KB) | DOI: 10.18860/ed.v7i2.6263

Abstract

AbstractThe purpose of this research is to examine the legal consequences of the death the capital manager (mudharib) in the mudharabah financing contract. The type of research used is normative juridical with a statute approach and a conceptual approach. The sources of legal material in this study are from primary legal material and secondary legal material. The results of the analysis of this study are that when the capital manager dies in the mudharabah financing contract in Islamic banking, the agreement made between the capital owner and the capital manager ends automatically. The point is that the legal relationship between the capital owner and the capital manager has been broken up since then and has also resulted in the breaking up of rights and obligations among the parties that made the agreement. While all forms of risk in the mudharabah contract are borne by the owner of the capital, unless the capital manager is proven to have made a deliberate mistake, negligent or violated the agreement. Since the capital manager has died in the mudharabah financing contract, the capital owner may not sue his familys to pay the remaining payment from the financing because mudharabah is not a debt agreement. To restore the capital, the owner of the capital that has not been paid by the deceased capital manager is to sell his capital management business, or if the business is still running, the familys may continue the business of the deceased capital manager with the agreement of the capital owner.
KAJIAN TENTANG KEDUDUKAN AGUNAN DALAM AKAD PEMBIAYAAN MUDHARABAH PADA BANK SYARIAH Irawan, Vendra
Alhurriyah Vol 4 No 2 (2019): Juli-Desember 2019
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/alhurriyah.v4i2.965

Abstract

AbstractThe purpose of this research is to examine the position of collateral in the mudharabah financing contract in Islamic banking. The type of research used is normative research with a statute approach and a conceptual approach. The sources of legal material in this study are from primary legal material and secondary legal material. The results of the analysis of this study are that the collateral position in the mudharabah contract in Islamic banking is different from the position of collateral in conventional banking, collateral in conventional banking functions as guarantor of the debts that occur between creditors and debtors. While the function of collateral in the mudharabah agreement on Islamic banking is to ensure the implementation of the mudharabah agreement in accordance with the agreement made in the beginning of the agreement between capital owners and business manager. So, the purpose of collateral in mudharabah contract is to avoid bad moral of business manager and not to return the investment value if there is a loss due to business risk factors.Keywords: Position; Collateral; Mudharabah; Islamic BankAbstrakPenelitian ini bertujuan untuk mengkaji kedudukan agunan dalam akad pembiayaan mudharabah pada perbankan syariah. Jenis penelitian yang digunakan adalah penelitian normatif dengan pendekatan perundang-undangan dan pendekatan konseptual. Sumber bahan hukum dalam penelitian ini adalah dari bahan hukum primer dan bahan hukum sekunder. Hasil analisis dari penelitian ini adalah kedudukan agunan pada akad mudharabah di perbankan syariah berbeda dengan kedudukan agunan pada perbankan konvensional, agunan pada perbankan konvensional berfungsi sebagai penjamin atas utang-piutang yang terjadi antara kreditur dengan debitur. Sedangkan fungsi agunan dalam akad mudharabah pada perbankan syariah adalah untuk menjamin terlaksananya akad mudharabah sesuai dengan kesepakatan yang telah dibuat diawal perjanjian antara shahib al-maal dengan mudharib. Jadi, tujuan agunan dalam akad mudharabah adalah untuk menghindari moral jelek mudharib dan bukan untuk mengembalikan nilai investasi jika terjadi kerugian karena faktor risiko bisnis.Kata kunci: Kedudukan; Agunan; Mudharabah; Bank Syariah
KAJIAN TENTANG KEDUDUKAN AGUNAN DALAM AKAD PEMBIAYAAN MUDHARABAH PADA BANK SYARIAH Irawan, Vendra
Alhurriyah Vol 4 No 2 (2019): Juli-Desember 2019
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/alhurriyah.v4i2.965

Abstract

AbstractThe purpose of this research is to examine the position of collateral in the mudharabah financing contract in Islamic banking. The type of research used is normative research with a statute approach and a conceptual approach. The sources of legal material in this study are from primary legal material and secondary legal material. The results of the analysis of this study are that the collateral position in the mudharabah contract in Islamic banking is different from the position of collateral in conventional banking, collateral in conventional banking functions as guarantor of the debts that occur between creditors and debtors. While the function of collateral in the mudharabah agreement on Islamic banking is to ensure the implementation of the mudharabah agreement in accordance with the agreement made in the beginning of the agreement between capital owners and business manager. So, the purpose of collateral in mudharabah contract is to avoid bad moral of business manager and not to return the investment value if there is a loss due to business risk factors.Keywords: Position; Collateral; Mudharabah; Islamic BankAbstrakPenelitian ini bertujuan untuk mengkaji kedudukan agunan dalam akad pembiayaan mudharabah pada perbankan syariah. Jenis penelitian yang digunakan adalah penelitian normatif dengan pendekatan perundang-undangan dan pendekatan konseptual. Sumber bahan hukum dalam penelitian ini adalah dari bahan hukum primer dan bahan hukum sekunder. Hasil analisis dari penelitian ini adalah kedudukan agunan pada akad mudharabah di perbankan syariah berbeda dengan kedudukan agunan pada perbankan konvensional, agunan pada perbankan konvensional berfungsi sebagai penjamin atas utang-piutang yang terjadi antara kreditur dengan debitur. Sedangkan fungsi agunan dalam akad mudharabah pada perbankan syariah adalah untuk menjamin terlaksananya akad mudharabah sesuai dengan kesepakatan yang telah dibuat diawal perjanjian antara shahib al-maal dengan mudharib. Jadi, tujuan agunan dalam akad mudharabah adalah untuk menghindari moral jelek mudharib dan bukan untuk mengembalikan nilai investasi jika terjadi kerugian karena faktor risiko bisnis.Kata kunci: Kedudukan; Agunan; Mudharabah; Bank Syariah