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All Journal Ar-Ribhu: Jurnal Manajemen dan Keuangan Syariah Al-Hukmi : Jurnal Hukum Ekonomi Syariah dan Keluarga Islam
Subyanto
Universitas Ibrahimy Sukorejo Situbondo
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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AKAD MUDHARABAH MUTHLAQAH PADA PRODUK DEPOSITO DI BANK SYARIAH MANDIRI CAPEM SITUBONDO Subaidi; Subyanto
Al-Hukmi : Jurnal Hukum Ekonomi Syariah dan Keluarga Islam Vol. 1 No. 2 (2020): Al-Hukmi : Jurnal Hukum Ekonomi Syari’ah dan Keluarga Islam
Publisher : Fakultas Syariah dan Ekonomi Islam, Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1103.156 KB) | DOI: 10.35316/alhukmi.v1i2.1183

Abstract

Bank Syariah Mandiri branch office Situbondo applies mudharabah muthlaqah agreement for deposit products because it is very interesting for customers. They handed over mudharabah saving management absolutely to Bank Syariah Mandiri, without limits either in types of investment, period of time, or business sector. However it must does not be contrary to Islamic principles. Islam invites wealthy persons to develop and invest their assets. Instead Islam forbids them from concealing their wealth. Likewise, Islam also forbids them from hoarding their wealth. Of course, the money can be used for useful projects that have positive impact such as creating labour market and improving economic activity. Keywords : ,,
PENYELESAIAN WANPRESTASI PADA AKAD MURABAHAH DI BANK SYARI’AH KANTOR CABANG JEMBER Subaidi; Subyanto
Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 4 No 1 (2023): Ar-Ribhu
Publisher : Faculty of Islamic Economics and Business

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Abstract

Murabahah has a special attraction for Islamic banking and investments because this product is used by customers to buy certain properties at agreed price. There is a grace period in payments in the murabahah agreement that allow a risk of credit defaults in giving a credit. Bank Mandiri Syariah branch office Jember is one of the sharia banks that provide murabahah financing services with an installment payment system. Bank Mandiri Syariah branch office Jember’s effort in resolving defaults are through family approach while billing intensively. Then, if it cannot be done, the bank by giving reprimand letters and provide a memorandum 3 times regularly. If the memorandum remains ignored, the final step is Bank conduct auction guarantee by the auction hall or by voluntary selling or independently selling. Keywords: Murabahah, Installment Payment, Default, Bad Debt
Co-Authors Subaidi Subaidi