Dini Maulana Lestari
Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga Yogyakarta

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Analisis Jaminan pada Pembiayaan Mudarabah dalam Perspektif Maqasid al-Syari'ah Dini Maulana Lestari
Al-Manahij: Jurnal Kajian Hukum Islam Vol 13 No 2 (2019)
Publisher : Sharia Faculty of State Islamic University of Prof. K.H. Saifuddin Zuhri, Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (862.31 KB) | DOI: 10.24090/mnh.v13i2.1679

Abstract

This paper analyzes the concept of muḍārabah as the main product in sharia banking, where the financing product should be excellent in its marketing. However, muḍārabah financing products are often faced with complicated portfolios and low market shares because they are indicated by high levels of financial risk. To bridge this, collateral is one of the tools used by the Sharia Bank in order to minimize these risks. This type of research is literature with a qualitative-explorative descriptive approach. The results showed that the collateral in muḍārabah financing functions as a Shariah Bank intervention tool to create benefits for creditors and debtors in the event of default in their business, also to avoid moral hazard activities and asymmetric information.