SHARIA COMPLIENCE AKAD BERBASIS NATURAL UNCERTAINTY CONTRACT (NUC) LEMBAGA KEUANGAN MIKRO SYARIAH DI KABUPATEN JEPARA
DOI:
https://doi.org/10.26740/al-uqud.v2n1.p20-37Keywords:
Sharia Micro Financing Institutions, Natural Uncertainty Contract, Syirkah ContractAbstract
Financing in Sharia Micro Financing Institutions (BMT) is dominated by certainty contracts, as it has less risk than syirkah contract like Mudharabah or Musyarakah based on Natural Uncertainty Contract (NUC). Implementation constraints syirkah contracts exist on both parties, financial institutions and clients. due to lack of financial reports, honesty and transparency of the client's business (asismetric information). The Client gives a business report if the results obtained are small or equivalent to the bank interest rate, but if the business profit is good, then the profit share must be high. This research is a qualitative descriptive analytical research, to see the implementation of syirkah contract on Sharia Micro Finance Institution (BMT) in Jepara Regency and its syariah compliance based on DSN-MUI fatwa. The results showed that BMT in Jepara regency can not fulfill the compliance of shariah contract of Natural Uncertanty Contract (NUC) due to high risk, human resource capability and low comprehension and lack of client's financial report.
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Arshad, N. C., & Ismail, A. G. (2011, MAY - JUNE). Regulation On The Paramaterized Of Mudharabah Contract: A Critical Analysis. IJER | 2(3), ISSN: 2229-6158, 157-189. Retrieved from www.ijeronline.com
Aziz, F., Anjam, M., Fahim, S. M., & Saleem, F. (2013). Mudarabah In Islamic Finance: A Critical Analysis Of Interpretation & Implications International. Journal of Asian Social Science, 3(5), 1236-1243.
Bank Indonesia. (2007). Kodifikasi Produk Perbankan Syariah. Jakarta: www.bi.go.id.
Bank Indonesia. (PBI Nomor 11/33/PBI/2009). Pelaksanaan Good Corporate Governance Bagi Bank Umum Syariah Dan Unit Usaha Syariah. Jakarta: www.bi.go.id.
Bungin, B. (2007). Analisis Data Penelitian Kualitatif. . Jakarta: : PT.RajaGrafindo.
DSN - MUI. (2000). Fatwa No: 07/DSNMUI/ IV/2000 tentang Mudharabah.
DSN-MUI. (2000). Fatwa No:08/DSNMUI/ IV/2000 tentang Musyarakah.
Febianto, I. (2012, Januari). Adapting Risk Management for Profit and Loss Sharing Financing of Islamic Banks. Modern Economy, 73-80.
Hamidah, S., & Yandono, P. E. (2016). Akad Pembiayaan Mudharabah Menurut Pemahaman Nasabah Baitul Maal Wat Tamwil Di Tongas Probolinggo. Jurisdictie: Jurnal Hukum dan Syariah Vol. 7 No.2.
Karim, A. (2010). œ Bank Islam Analisis Fiqih dan Keuangan. PT. Raja Grafindo Persada Jakarta. Jakarta: PT. Raja Grafindo Persada.
Madjid, M. N. (2011). Nuansa Konvensional Dalam Perbankan Syariah. Nalar Fiqh : Jurnal Kajian Ekonomi Islam dan Kemasyarakatan Vol 3 No 1 .
Meutia, I. (2016). Empirical Research on Rate of Return, Interest Rate and Mudharabah Deposit . International Journal of Accounting Research Volume 5 ¢ Issue 1 ¢ 1000141, 1- 5 .
Miles, M., & Huberman. (1992). Analisis Data Kualitatif. Jakarta: UI Press. Jakarta: UI Press.
Muhamad, S. F., & Abd Rahman, A. H. (2013). AN EVALUATION ON MUSHARAKAH MUTANAQISAH BASED HOUSE FINANCING BY ISLAMIC BANKS IN MALAYSIA. Proceeding of the International Conference on Social Science Research, ICSSR 2013 (e-ISBN 978-967-11768-1-8) (pp. 1286 - 1296). Penang, Malaysia: WorldConferences.net.
Nouman, M., & Ullah, K. (2014). Constraints in the Application of Partnerships in Islamic Banks: The Present Contributions and Future Directions. Business & Economic Review: Vol. 6, Issue 2:, 47-62.
OJK. (2015). Statistik Perbankan Syariah Juni 2015. www.bi.go.id.
Osmani, N. M., & Abdullah, M. F. (2010, July). Musharakah Mutanaqisah Home Financing: A Review of Literatures and Practices of Islamic Banks In Malaysia. International Review of Business Research Papers, Volume 6., 272 - 282.
Peraturan Menteri Koperasi dan UKM NOMOR 16 /Per/M.KUKM/IX/2015 . (n.d.). tentang Pelaksanaan Kegiatan Usaha Simpan Pinjam Dan Pembiayaan Syariah Oleh Koperasi. .
Rahman, A. A., & Nor, S. M. (2016). Challenges of profit-and-loss sharing financing in Malaysian Islamic Banking. GEOGRAFIA OnlineTM Malaysian Journal of Society and Space, (39 - 46).
Rivai, V. (2010). Islamic Finance Management Teori Konsep dan Aplikasi : Panduan Praktis bagi Lembaga Keuangan dan Bisnis, Praktisi serta Mahasiswa. Bogor: Ghalia Indonesia.
Shaikh, S. A. (2011, 2011 19). A Critical Analysis of Mudarabah & A New Approach to Equity Financing inIslamic Finance. Journal of Islamic Banking & Finance,. Retrieved from http://mpra.ub.uni-muenchen.de/19697/
Sugiyono. (2009). Metode Penelitian Bisnis (Pendekatan kualitatif, kuantitatif dan R & D). Bandung: Alfabeta.
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Published
2018-01-31
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Susilo, E., & Anam, A. K. (2018). SHARIA COMPLIENCE AKAD BERBASIS NATURAL UNCERTAINTY CONTRACT (NUC) LEMBAGA KEUANGAN MIKRO SYARIAH DI KABUPATEN JEPARA. Al-Uqud : Journal of Islamic Economics, 2(1), 20–37. https://doi.org/10.26740/al-uqud.v2n1.p20-37
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