Jasmin, - and Prof.Dr. Moeljadi, SE.,SU.,M.Sc and Dr. Djumahir, SE.,MM and Dr. Atim Djazuli, SE., MM. (2018) ekonstruksi Hubungan Principal- Agent Dalam Pembiayaan Mudharabah Pada Bank Syari’ah (Studi pada PT. Bank Muamalat Indonesia Cabang Ternate). Doktor thesis, Universitas Brawijaya.
Abstract
Penelitian bertujuan: Menganalisis pelaksanaan pembiayaan mudharabah Bank Muamalat Indonesia Cabang Ternate, Menganalisis hubungan antara principal dan agent pada pembiayaan mudharabah Bank Muamalat Indonesia Cabang Ternate, dan Menganalisis Upaya mengatasi agency problem pembiayaan mudharabah Bank Muamalat Indonesia Cabang Ternate. Penelitian dilakukan pada Bank Muamalat Cabang Ternate. Penelitian menggunakan metode kualitatif pendekatan studi kasus tunggal. Analisis yang digunakan adalah model interaktif model Milles dan Huberman. Hasil penelitian: pelaksanaan pembiayaan mudharabah terdapat ketimpangan dalam bagi hasil sehingga menyebabkan kontrak kerja sama pembiayaan mudharabah tidak dapat dilajutkan; Agent memiliki informasi yang terbatas terutama informasi tentang instrument kerja sama (pembiayaan mudharabah), sedangkan principal lebih banyak mengetahui informasi tentang instrument kerja sama tersebut; Upaya menimimalisir resiko tinggi shahibul maal menyalurkan pembiayaan mudharabah jenis mudharabah muqayyadah; dan Upaya mengurangi terjadinya asymmetric information melalui pelibatan pihak ketiga yakni konsultan. Konsultan tersebut berperan secara aktif dan formal terlibat langsung dalam pembiayaan mudharabah, namun sifatnya hanya memberikan pertimbangan dan nasehat kepada shahibul maal dan mudharib sebagai pelaku utama dalam pembiayaan mudharabah
English Abstract
This research aims to analyze the process of mudharabah financing in Bank Muamalat Indonesia Branch of Ternate, to analyze the relationship between principal and agent on mudharabah financing in Bank Muamalat Indonesia branch of Ternate, and to analyze efforts to overcome the agency problem on mudharabah financing in Bank Muamalat Indonesia branch of Ternate. The object of this research is Bank Muamalat Indonesia branch of Ternate and will be examined using qualitative research method with single study approach. In addition, it will be also analyzed using Milles and Huberman interactive model analysis. The results of the research show that three is inequelity in profit sharing in the practice of mudharabah financing resulting in the discontinuation of mudharabah financing contract; limited information in the part of agent regarding the cooperation agreement (the mudharabah financing) and abundant information in the apart of principal regarding the agreement. One off the attempts to reduce the high risk of shahibul maal is by distributing mudharabah muqayyadah. In addition, to prevent asymmetric information, the involvement of third parties, which are consultants, is needed since they can play an active and formal role and are involved directly in mudharabah financing, but they can only provide considerations and advices to shahibul maal and mudarib as the main parties in mudharabah financing.
| Item Type: | Thesis (Doktor) |
|---|---|
| Identification Number: | DIS/332.1/JAS/r/2018/061901330 |
| Uncontrolled Keywords: | Rekonstruksi, Pembiayaan Mudharabah, Shahibul Maal, Mudharib, Pincipal, Agent, reconstruction, mudharabah financing, shahibul maal, mudarib, principal, agent. |
| Subjects: | 300 Social sciences > 332 Financial economics > 332.1 Banks |
| Divisions: | S2/S3 > Doktor Ilmu Akuntansi, Fakultas Ekonomi dan Bisnis |
| Depositing User: | Zainul Mustofa |
| Date Deposited: | 20 Oct 2022 02:42 |
| Last Modified: | 20 Oct 2022 02:42 |
| URI: | http://repository.ub.ac.id/id/eprint/195848 |
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