Mukhammadin, Wahyu (2016) IMPLEMENTASI AKAD MUSYARAKAH DI BANK SYARIAH MANDIRI CABANG JEPARA. Masters thesis, Fakultas Hukum UNISSULA.
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Abstract
Islamic bank of choice for businesses to source funds for its business. Islamic banking products that provide financing including by cooperation with musharaka contract. However in the musharaka financing, there are obstacles in the implementation of musharaka contract, one of them in the event of default, then the bank will be difficult to withdraw funds used for venture capital. Based on the above background, the authors formulate some problems, namely musharaka contract implementation at Bank Syariah Mandiri Branch Jepara as well as the challenges and solutions in the implementation of musharaka contract in Bank Syariah Mandiri Branch Jepara. The purpose of this study was to know musharaka contract implementation at Bank Syariah Mandiri Branch Jepara as well as the challenges and solutions in the implementation of musharaka contract in Bank Syariah Mandiri Branch Jepara. The method used in this study is juridical sociological. Specifications of this research is descriptive analysis, which is expected to give a detailed description, systematic, and thorough on all matters relating to the object to be examined. The data used in this study are primary data and secondary data, data obtained through interviews and literature of materials collected through the study of literature, which is then analyzed qualitatively. The conclusion from this study is that musharaka contract implementation at Bank Syariah Mandiri Branch Jepara implemented after the requirements have been met by the prospective customer. The bank will conduct the analysis and verification of a potential customers debtor, capital requirements, and the ability of debtors to pay. The bank will determine the amount of funds that may be granted, financing period, ratio/profit sharing and other conditions which will be set forth in a letter financing deals. Constraints in the implementation of the contract musyarakah at Bank Syariah Mandiri Branch Jepara from : (1) the customer is due to negligence of the customer in paying the installment payment, the occurrence of side stream, and the presence of unexpected events such as natural disasters, and (2) the bank is not oversight and human resources are very minimal knowledge musharaka contract. To the solution, then the bank will request funds from customer retention, insuring the customer and collateral, making visits to the client’s business, as well as carry out training and training musharaka contract for employees. Keywords : Contract, Musharaka, and Islamic Bank
| Item Type: | Thesis (Masters) |
|---|---|
| Subjects: | K Law > K Law (General) |
| Divisions: | Fakultas Hukum Fakultas Hukum > Ilmu Hukum |
| Depositing User: | Pustakawan 1 UNISSULA |
| Date Deposited: | 14 Oct 2016 02:11 |
| Last Modified: | 14 Oct 2016 02:11 |
| URI: | http://repository.unissula.ac.id/id/eprint/5540 |
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