Hadi, Wahyu Arifma (2017) Efektivitas Penerapan Fatwa Dewan Syariah Nasional No 7 / DSN-MUI / IV / 2000 Tentang Pembiayan Mudharabah Mengenai Analisis Kelayakan Mudharib Dalam Pengajuan Pembiayaan Mudharabah Pada Koperasi Di Bank Syariah (Studi di PT Bank BRI Syariah Cabang Banyuwangi). Sarjana thesis, Universitas Brawijaya.
Abstract
Dalam skripsi ini, peneliti mengangkat permasalahan Efektivitas Penerapan Fatwa Dewan Syariah Nasional No 7 / DSN-MUI / IV / 2000 Tentang Pembiayan Mudharabah Mengenai Analisis Kelayakan Mudharib Dalam Pengajuan Pembiayaan Mudharabah Pada Koperasi di Bank syariah (Studi di PT Bank BRI Syariah Cabang Banyuwangi). pemilihan judul dalam penelitian ini adalah karena mengenai aturan terkait analisis kelayakan pembiayaan mudharabah. Menarik minat peneliti untuk menjadikan bahan penelitian dikarenakan pentingnya analisis kelayakan pembiayaan mudharabah agar dapat diberikan pembiayaan oleh bank syariah dan sesuai dengan prinsip syariah. Berdasarkan hal tersebut, peneliti mengangkat dua rumusan masalah, yaitu sebagai berikut : (1). Bagaimana efektifitas penerapan fatwa Dewan Syariah Nasional No 7 / DSN-MUI / IV / 2000 tentang Pembiayaan Mudharabah mengenai analisis kelayakan mudharib dalam pengajuan pembiayaan mudharabah pada koperasi di PT Bank BRI Syariah Cabang Banyuwangi? (2) Apa hambatan dan upaya bank dalam penerapan fatwa Dewan Syariah Nasional No 7 / DSN-MUI / IV / 2000 tentang Pembiayaan Mudharabah mengenai analisis kelayakan mudharib dalam pengajuan pembiayaan mudharabah pada koperasi di PT Bank BRI Syariah Cabang Banyuwangi? Selanjutnya penelitian ini menggunakan jenis penelitian yuridis-empiris dengan pendekatan penelitian yuridis sosiologis. Lokasi penelitan dilakukan di PT Bank BRI Syariah Cabang Banyuwangi karena berdasarkan pra survey peneliti. PT Bank BRI Syariah Cabang Banyuwangi menyelenggarakan dan memberikan pembiayaan mudharabah dengan melakukan analisis kelayakan mudharib sehingga layak diberikan pembiayaan mudharabah dan sekaligus menerapkan prinsip – prinsip ekonomi syariah. Jenis dan Sumber data yang digunakan dalam penelitian ini terdiri dari dua, yaitu data primer, data sekunder. Teknik pengumpulan data dengan cara wawancara langsung kepada karyawan – karyawan yang terkait langsung dengan pihak – pihak nasabah yang akan melakukan akad mudharabah dan studi dokumentasi yang mengumpulkan data dari catatan peraturan Bank Indonesia serta catatan dari Dewan syariah Nasional mengenai fatwa tentang pembiayaan mudharabah di PT Bank BRI Syariah Cabang Banyuwangi. Metode sample dalam penelitian ini adalah Purposive Sampling merupakan penarikan sample yang dilakukan dengan cara memilih atau mengambil subjek-subjek yang berdasarkan pada tujuan-tujuan tertentu. Selanjutnya peneliti menganalisis dengan menggunakan deskriptif analisis yaitu dengan cara menganalisis data yang diperoleh dari hasil pengamatan di lapangan dan studi pustaka kemudian dianalisis dan di interprestasikan dengan memberikan kesimpulan. Dengan dilakukannya penelitian ini, peneliti berharap agar pihak PT Bank BRI Syariah Cabang Banyuwangi, lebih teliti dan pembenahan dari sektor struktur hukum , agar dalam melakukan analisa kelayakan pembiayaan mudharabah sehingga sesuai dengan prinsip – prisnsip ekonomi islam.
English Abstract
In this thesis, the researcher raises the problem of Effectiveness of Fatwa Implementation of National Sharia Board No. 7 / DSN-MUI / IV / 2000 About Mudharb Fundraising About Mudharib Feasibility Analysis In Mudharabah Financing Proposal On Cooperative at Bank Syariah (Study at PT Bank BRI Syariah Branch Banyuwangi). The selection of titles in this study is due to the rules related to the analysis of feasibility of mudharabah financing. Interesting researchers to make research materials due to the importance of feasibility analysis of mudharabah financing in order to be given financing by Islamic banks and in accordance with the principles of sharia. Based on this, the researcher raised two problem formulation, that is as follows: (1). How is the effectiveness of the implementation of the fatwa of the National Sharia Board No. 7 / DSN-MUI / IV / 2000 on Mudharabah Financing on mudharib feasibility analysis in mudharabah financing application to cooperatives in PT Bank BRI Syariah Banyuwangi? (2) What are the constraints and efforts of banks in the application of the fatwa of the National Sharia Board No. 7 / DSN-MUI / IV / 2000 on Mudharabah Financing on mudharib feasibility analysis in mudharabah financing application to cooperatives at PT Bank BRI Islamic Banyuwangi? Furthermore, this research uses juridical-empirical research type with approach of sociological juridical research. The research location was conducted at PT Bank BRI Syariah Branch Banyuwangi because based on pre-survey of researchers. PT Bank BRI Islamic Branch Banyuwangi organizes and provides mudharabah financing by conducting a feasibility analysis of mudharib so that it is feasible to be given mudharabah financing and simultaneously apply the principles of sharia economy. Types and Sources of data used in this study consists of two, namely primary data, secondary data. Technique of collecting data by direct interview to employees - employees directly related to the parties - clients who will perform mudharabah contract and documentation study collecting data from Bank Indonesia regulation notes and notes from the National Sharia Board regarding fatwa regarding mudharabah financing at PT Bank BRI Sharia Branch of Banyuwangi. Sample method in this research is Purposive Sampling is sampling done by choosing or taking subjects based on certain goals. Furthermore, the researchers analyzed by using descriptive analysis that is by analyzing the data obtained from the observations in the field and literature study and then analyzed and interpreted by giving conclusions. By doing this research, the researcher hopes that PT Bank BRI Syariah Branch of Banyuwangi, more thoroughly and revamping of legal structure sector, in order to perform feasibility analysis of mudharabah financing so that in accordance with Islamic economic principles
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FH/2017/134/057105499 |
| Uncontrolled Keywords: | MUDHARABAH ENRICHMENT - SUBMISSION, ISLAMIC BANK - BANYUWANGI |
| Subjects: | 300 Social sciences > 346 Private law > 346.08 Banks and insurance > 346.082 Banks |
| Divisions: | Fakultas Hukum > Ilmu Hukum |
| Depositing User: | Dra. Widia Permana., S.Sos., MAB. |
| Date Deposited: | 31 Aug 2017 02:36 |
| Last Modified: | 12 Oct 2020 02:58 |
| URI: | http://repository.ub.ac.id/id/eprint/1942 |
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