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All Journal International Journal of Local Economic Governance Journal of Economic, Bussines and Accounting (COSTING) Jurnal Kompetitif : Media Informasi Ekonomi Pembangunan, Manajemen dan Akuntansi JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Management Studies and Entrepreneurship Journal (MSEJ) TRANSFORMASI : JURNAL PENGABDIAN PADA MASYARAKAT Experimental Student Experiences MULTIPLE: Journal of Global and Multidisciplinary JAMIN Jurnal Pengabdian Nasional (JPN) Indonesia Jurnal Kompetitif : Media Informasi Ekonomi Pembangunan, Manajemen dan Akuntansi
Laili Hurriati
Universitas Islam Al-Azhar
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : International Journal of Local Economic Governance

 1 
Agency Problem and Its Enforcement In Funding Mudharabah: Study of Baitul Maal wa Tamwil Usaha Gabungan Terpadu Sidogiri, Malang Branch Multifiah Multifiah; Asfi Manzilati; Laili Hurriati
e-2477-1929
Publisher : Institute of Research and Community Service, University of Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (509.253 KB) | DOI: 10.21776/ub.ijleg.2015.001.01.7

Abstract

This research aims to: (1) Find out the mechanism of funding mudharabah on BMT UGT Sidogiri, Malang branch. (2) Analyze the emergence of agency and its enforcement in funding mudharabah on BMT UGT Sidogiri Malang branch. Qualitative approach was used in this research method using a case study. Research findings show that: (1) There is no appropriateness of mechanism application of shared profit in terms of its requirement and its payment related to its decision of shared profit as it does not conform to DSN-MUI’s fatwa and concept as well as sharia economist’s opinion. (2) The presence of agency issue which is adverse selection encountered by BMT UGT as it is related to customer’s character which is unpredictable as well as the presence of moral hazard in the form of unconformity of financial use available in contract. This results from BMT’s incapability of doing intensive watch. (3) The enforcement already performed was by monitoring via direct interaction and giving intensives in the form of limitation decided by BMT UGT such as a long term restriction and the amount of funding.Keywords: theory of agency, enforcement, mudharabah, BMT
Agency Problem and Its Enforcement In Funding Mudharabah: Study of Baitul Maal wa Tamwil Usaha Gabungan Terpadu Sidogiri, Malang Branch Multifiah, Multifiah; Manzilati, Asfi; Hurriati, Laili
International Journal of Social and Local Economic Governance Vol. 1 No. 1 (2015)
Publisher : Institute of Research and Community Service, University of Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.ijleg.2015.001.01.7

Abstract

This research aims to: (1) Find out the mechanism of funding mudharabah on BMT UGT Sidogiri, Malang branch. (2) Analyze the emergence of agency and its enforcement in funding mudharabah on BMT UGT Sidogiri Malang branch. Qualitative approach was used in this research method using a case study. Research findings show that: (1) There is no appropriateness of mechanism application of shared profit in terms of its requirement and its payment related to its decision of shared profit as it does not conform to DSN-MUI’s fatwa and concept as well as sharia economist’s opinion. (2) The presence of agency issue which is adverse selection encountered by BMT UGT as it is related to customer’s character which is unpredictable as well as the presence of moral hazard in the form of unconformity of financial use available in contract. This results from BMT’s incapability of doing intensive watch. (3) The enforcement already performed was by monitoring via direct interaction and giving intensives in the form of limitation decided by BMT UGT such as a long term restriction and the amount of funding.Keywords: theory of agency, enforcement, mudharabah, BMT
Co-Authors Ahmad Suhendri Ahmad Suhendri Andiana, Baiq Dewi Lita Andri Herijanto Effendi Andrianus Andi Asfi Manzilati Baiq Rizka Milania Ulpah Dewi Marlina Fathurrahman Fathurrahman Fatiha, Fatun Fitriatun Nisa, Puza Halpiah, Halpiah Karunia Ema Putri Lale Ajeng Khalifatun Wardani Milania, Baiq Rizka Mimi Cahayani Muhammad Habibullah Aminy MUHAMMAD MALIKI Muhammad Sayuti Multifiah . Putra Ramadhan, Radhitya Putra, Hery Astika Rifais, Muh RIZKA AULIA Rosita Rosita Rosita Sahar Sahar, Sahar Sasmita, Vika Sayuti Sayuti Sayuti, Muhamad Sri Karyati Triana Lidona Aprilani Ulfah, Baiq Rizka Milania Yuni Putri, Iin