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Edi Suryadi, Edi
Jurusan Teknik dan Manajemen Industri Pertanian FTIP Universitas Padjadjaran
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Journal : Jurnal Kajian Peradaban Islam

 1 
Mudharabah and Musyarakah Financing in Indonesian Islamic Banking Practices: Is It Equity or Debt Financing? Purnomo, Budi Supriatono; Nasim, Arim; Besar, Mohd. Hairul Azrin Haji; Suryadi, Edi
Islamic Research Vol 7 No 1 (2024): Islamic Research
Publisher : Perhimpunan Intelektual Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47076/jkpis.v7i1.232

Abstract

The purpose of this paper is to examine whether Mudharabah and Musyarakah financing from Islamic banks in Indonesia is capital or debt financing, based on legal, accounting, and fiqh perspectives. To achieve this goal, a review is carried out on laws, Sharia Accounting Standards, MUI and DSN Fatwas, the Al Quran and Hadith, articles, the Financial Reports of Islamic Banks in Indonesia, and other relevant documents. This study concludes that the law as stipulated in Act No. 21 of 2008 limits Islamic banking operational activities only to the financial sector, and it is almost impossible to implement in a real economy. The current provision does not allow Islamic banking to act as an investor in a mudharabah contract or as an asset owner in a musyarakah contract. This is confirmed in the financial reports of Islamic banks, which do not report mudharabah financing and musyarakah financing as investments. In addition, in practice, Contract musyarakah cannot stand on its own but must be carried out in a multi-contract (hybrid) manner. Even though the Prophet had forbidden the practice of two contracts in one transaction. On the other hand, in distributing financing, banks do not have a sharia contract basis to act as shaibul mal. The bank's status as Al-Wakil or Mudharib does not justify it changing its status to Shahibul Mal when disbursing funds. As a result, the Contract of mudharabah and musyarakah financing carried out by banks with customers as mudharib becomes void.
Co-Authors -Okyireh, Theodore Oduro Abyannash, Mohammed Acheampong*, Kennedy Ade Sobandi, Ade Adhara, Yhora Listy Adman, Adman Agus Rahayu Ahmad, Agus Amir Machmud, Amir Angela, Sylvia Sysca Anggi Permatasari, Anggi Annisa, Rahimatul Askolani Askolani, Askolani Astiwardhani, Winny Aziz, Farouk Besar, Mohd. Hairul Azrin Haji Disman, Disman Disman, H Dwi Budi Santoso Eddy Haryanto Eeng Ahman, Eeng Elyusufi, Abdul Muhaimin F.A. Milawasri, F.A. Firman Firman Fitriani, Kulsum Gaya Tridinanti, Gaya H.O Munthe, Huriana Hady Siti Hadijah, Hady Siti Hasanah, Siti Fathimah Nurul Hendri Winata, Hendri Heriman, Heriman Hernawan, Yosep Heryana, Toni Isla, Janaria Putri Islamy, Fahmi Jahidah Jannah, Siti Roudlatul Khomairoh, Sheina Nabila Kurniawan, Fakhry Hafiyyan Kusumah, Echo Perdana Lustina, Lustina Lutina, Lutina M. Arief Ramdhany Mattin, Fadly Abdussyalam Maulana, Mahbub Afini Maya Sari Mega Rahmawati, Mega Milawasri, F A Miranda, Winda Muhklas, Muhklas Mukhlas Mukhlas Nasim, Arim Nugraha, Dini Nugraha, N Nur Istiqomah, Wahyu Nurbilady, Nadya Frizka Nurhasan, Rohimat Opoku, Ernest Purnomo, Budi Supriatono Puspo Dewi Dirgantari Rahmawati, Dwitya Nur Rahmayanti, Tiana Nur Rasto, Rasto Ratih Rahmawati Ratna Gumilang, Risa Rofi Rofaida Saady, Farma Ladia Samaya, Doni Sari, Sinta Nadia Sasmitha, Jonathan Lucky Selfina, Sirrila Dewi Sojannah, Jannah Sriastuti, Winda Nur ST, Agus Sulastri Sulastri Sundusiah, Sundusiah Suwatno Suwatno Syamsul Hadi Senen, Syamsul Hadi Triyanah, Tia Tutik Inayati Ukas, Maman Yangiboyev, Sirojjiddin Yudi Sekaryadi