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Journal : Al-Ulum

Manajemen Resiko Pembiayaan pada Bank Syariah: Suatu Tinjauan Filsafati Iskandar Iskandar; Amiur Nuruddin; Saparuddin Siregar
Al-Ulum Vol. 17 No. 1 (2017): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1189.483 KB) | DOI: 10.30603/au.v17i1.25

Abstract

This article is a continuation of the discourse on the concerns and dilemmas of the development of Islamic banking among the financing of profit sharing with the mark-up system (murabah). This study attempts to explain the reasons for saturation of sharia banks in financing the profitsharing. It aims to present the principles of risk-sharing financing management and also strive to offer its philosophical construction. Funding risk management principles in sharia banks should refer to the principle of tauhid. On the basis of these basic principles, general principles of risk management of musharaa are ibnādah, ibāah, freedom of contract, consensus, principles of engagement, principles of equilibrium and partnership, benefit, trust, justice, democracy and, fath aż-żarīah. These principles are based on four conscious awareness risk, should not direct itself in loss (wa la tulkuu), awareness on the obligation to do good deeds (wah ahshinu) and transcendental awareness (wa-takuw).
Co-Authors Ade Khadijatul Z. Hrp Ahmad Aswan Waruwu Ahmad Harun Daulay Ahmad Qorib Akmal Al-Ghifari, Abu Dzar Amin Al Jawi Aminah Lubis Amiur Nuruddin Aqwa Naser Daulay Arif Fauzan Armansya Walian Arsyadona Arsyadona Asmiwarti Asmiwarti Asmuni Asmuni Atika Atika Aulia Wardhana Azwansyah Habibie, Azwansyah Bi Rahmani, Nur Ahmadi Bunga Dwi Fani Ritonga Burhanuddin Burhanuddin Catur Hayati Wulandari Dahrul Siregar Defi Rahayu Dewi Sundari Dhea Putri Andini Didik Gunawan Dini Yunila Tanjung Edi Faisal Harahap Erina Yasmin Faisar Ananda Faisar Ananda Arfa Fakrurradhi Fakrurradhi Fitri Handayani Sitorus Fitrianingsih Fitrianingsih Hastuti Olivia Hidayati Siregar Husni Pasarela I Ketut Suada Irna Meutia Sari Iskandar Iskandar Ismail, Abdurrozzaq Isnaini Harahap Jannah, Nurul Kayla Zahara Putri Nasada Khairani Khairani Khairul Hasanah Lidiya Uzmasyah M Ridwan M, Ridwan M. Yasir Nasution Marliyah Marliyah Maryam Batubara Muhammad Dhio Natama Harahap Muhammad Lathief Ilhamy Nasution Muhammad Nasrullah Muhammad Reza Muhammad Rifky Santoso Muhammad Rizal Muhammad Sadri Nanda Safarida Ngatno Syahputra Nurhayati Nurul Aini Siregar Nurul Inayah Rafia Hafni Harahap Rahmat Rahmi Pamela Putri Rianto, Hartato Rifqiyati Putri Rizqia Humaira Nasution Rukiah Rukiah SARWOTO SARWOTO Selly Febriana SRI RAHAYU Sri Wahyuni Sugianto Sugianto Suginam Syafrizal, Rodi Tasya Rahma Dayani Pohan Teti Tri Astuti Jusasni Tri Auri Yanti Tuti Anggraini Wahyu Syarvina Wahyuni Syahfitri Willy Romadon Dalimunthe Yenni Samri Juliati Nasution Yenni Samri Juliati Nst Yuli Ekawati Yunda Herliana Zainal Arifin Zakaria Zen, M. Afif Shahputra