skip to main content

IMPLEMENTATION OF INVESTMENT FUNDS SHARING AGREEMENT IN SHARIA BANKING SYSTEM IN INDONESIA

*Evita Isretno Israhadi  -  Faculty of Law, Universitas Borobudur, Indonesia
Open Access Copyright (c) 2020 Diponegoro Law Review under http://creativecommons.org/licenses/by-nc-sa/4.0.

Citation Format:
Abstract

Mudharabah financing investment, also known as trust financing, is a method of distributing funds in Sharia banking to comply with the religious prohibition of interest on loans. However, the use of legal protection has not been maximized in increasing the growth of mudharabah financing investment products, especially for SMEs (Micro, Small and Medium Enterprises), due to the complicated process of filing and guarantees needed by the bank. This study, therefore aims to implement adequate investment funds sharing agreement in Indonesia’s Sharia Banking System for mudharabah investments to be felt in all categories. The result showed that regulatory restructuring is needed for the application of mudharabah investment to be a real sector driver without eliminating the purity of Islamic principles.

Fulltext View|Download
Keywords: Mudharabah; Micro, Small, and Medium Enterprises; Sharia Banking System
Funding: Faculty of Law, Borobudur University, Jakarta, Indonesia

Article Metrics:

  1. Abdoerraoef. Al-Quran Dan Ilmu Hukum. Jakarta: Bulan Bintang, 1970
  2. Alaro, AbdulRazzaq Abdul-Majeed, and Abdulrahman Habeeb Alalubosa. “Potential of Shar ī’ah Compliant Microfinance in Alleviating Poverty in Nigeria A Lesson from Bangladesh.” International Journal of Islamic and Middle Esstern Finance and Management, 2018. https://doi.org/10.1108/IMEFM-01-2017-0021
  3. Ali, Zainuddin. Hukum Perbankan Syariah. 2nd ed. Jakarta: Sinar Grafindo, 2010
  4. ———. Hukum Perbankan Syariah. 2nd ed. Sinar Grafindo, 2010
  5. Amalia, Hanik. “Peran Pembiayaan Mudharabah Pada Baitul Maal Wat Tamwil (BMT) Dalam Melakukan Pengembangan Usaha Mikro Kecil Dan Menengah (UMKM),” 2019
  6. Dewi, Gemala. Aspek-Aspek Hukum Perbankan Dan Perasuransian Syariah Di Indonesia. Jakarta: Kencana Prenada Media Group, 2006
  7. Emha, Muhammad Busthomi. “Analisis Pengaruh Pembiayaan Mudharabah, Musyarakah, Dan Ijarah Terhadap Kemampu Labaan Bank Muamalat Di Indonesia,” 2014
  8. Fadhila, Novi. “Analisis Pembiayaan Mudharabah Dan Murabahah Terhadap Laba Bank Syariah Mandiri.” Jurnal Riset Akuntansi Dan Bisnis 15, no. 1 (2015): 65–77. https://doi.org/10.30596/jrab.v15i1.427
  9. Fuadi, Munir. Hukum Perbankan Modern Berdasarkan Undang-Undang Tahun 1998. Bandung: Citra Aditya Bakti, 1999
  10. Gatot, Supramono. Perikatan Dan Masalah. Jakarta: Djembatan, 1966
  11. Giannini, Nur Gilang. “Faktor Yang Mempengaruhi Pembiayaan Mudharabah Pada Bank Umum Syariah Di Indonesia.” Accounting Analysis Journal 2, no. 1 (2013): 1–4
  12. Haneef, Mohamed Aslam, Ataul Huq Pramanik, Mustafa Omar Mohammed, Mohamed Aslam Haneef, Fouad M Amin, Aliyu Dahiru Muhammad, and Nabil Dabour. INTEGRATION OF WAQF AND ISLAMIC MICROFINANCE FOR POVERTY REDUCTION : Case Studies of Malaysia, Indonesia, and Bangladesh. Edited by Savas ALpay and Mohamed Aslam Haneef. The Statistical, Economic and Sosial Research and Training Centre for Islamic Countries (SESRIC), 2015
  13. Harahap, Syafri. “The Disclosure of Islamic Values - Annual Report The Analysis of Bank Muamalat Indonesia ’ s Annual Report” 29 (2003): 70–89. https://doi.org/10.1108/03074350310768355
  14. Hasan, Zubairi. Undang-Undang Perbankan Syariah, Titik Temu Hukum Islam Dan Hukum Nasional,. Jakarta: Rajawali Pers, 2009
  15. Karim, Adiwarman A. Bank Islam-Analisis Fiqih Dan Keuangan. 3rd ed. Jakarta: Raja Grafindo Persada, 2007
  16. Muneeza, Aishath, Nik Nurul Atiqah Nik Yusuf, and Rusni Hassan. “The Possibility of Application of Salam in Malaysian Islamic Banking System,” 2011. https://doi.org/10.1108/08288661111135135
  17. Rahman, Abdul Rahim Abdul. “Islamic Microfinance: A Missing Component in Islamic Banking” 2 (2007): 38–53
  18. Wardani, Bertha Kusuma, and Joko Pramono. “Perbankan Syariah: Alternatif Pendanaan Usaha Mikro, Kecil, Menengah (UMKM)” 9, no. 17 (2016): 60–78

Last update:

  1. Analisis Indikator "Regulatory Quality Worldwide Governance" di Asia-Pasifik Studi Kasus: Indonesia-Papua Nugini 2019-2021

    Sahgit Fadila. Journal of Political Issues, 5 (2), 2024. doi: 10.33019/jpi.v5i2.140
  2. How do millennial Muslims develop online investment intentions? An AMOS-SEM approach

    Nur Rizqi Febriandika, Fajriyanti Fatimah. ETLTC2024 INTERNATIONAL CONFERENCE SERIES ON ICT, ENTERTAINMENT TECHNOLOGIES, AND INTELLIGENT INFORMATION MANAGEMENT IN EDUCATION AND INDUSTRY, 3220 , 2024. doi: 10.1063/5.0234703

Last update: 2024-11-24 12:17:49

No citation recorded.