PELAKSANAAN SISTEM PEMBIAYAAN DENGAN AKAD MUDHARABAH PADA BANK SYARIAH MANDIRI PALOPO

Authors

  • MURNIA TI IAIN PALOPO, Indonesia

DOI:

https://doi.org/10.24256/joins.v3i2.1757

Abstract

Abstract

This research is about how the Implementation of the Financing System in Bank Syariah Mandiri Palopo City. As for the purpose of this study is to find out whether mudharabah financing has been fully implemented in the Palopo City Bank Syariah Mandiri. The method used in this research is a qualitative method, the way data is collected by means of interviews, observation, and documentation, by analyzing the data, describing the bank in general as a business entity that aims to provide financing and traffic services for payment and circulation of money. which has the function of channeling funds, collecting funds and other services.

 Based on the research data, it can be concluded that Bank Syariah Mandiri is implementing a mudharabah system based on the Al-Quran and Al-Hadith. Bank Syariah Mandiri Palopo City has not been 100% in implementation. But this can help people get out or be saved from the practice of usury which is known as interest as in banking that is not based on Islamic law, because the problem of usury is not a world problem that can be justified or condoned.

Keywords: Muhdarabah Financing.

 Abstrak

Penelitian ini tentang bagaimana Pelaksanaan Sistem Pembiayaan di Bank Syariah Mandiri Kota Palopo. Adapun yang menjadi tujuan penelitian ini adalah untuk mengetahui apakah pembiayaan mudharabah sudah sepenuhnya dijalankan di Bank Syariah Mandiri kota Palopo. Metode yang digunakan dalam penelitian ini adalah metode kualitatif, cara mengumpulkan data dilakukan dengan cara wawancara, observasi, dan dokumentasi, dengan menganalisa data tersebut, menggambarkan bank secara umum sebagai satu badan usaha yang bertujuan memberikan pembiayaan dan jasa-jasa lalu lintas pembayaran dan peredaran uang yang mempunyai fungsi penyaluran dana, menghimpun dana dan jasa-jasa lainnya.

Berdasarkan data hasil penelitian dapat diambil kesimpulan bahwa Bank Syariah Mandiri dengan pelaksanaan sistem mudharabahyang berdasarkan Al-Quran dan Al-Hadis. Bank Syariah Mandiri Kota Palopo belum 100% dalam penerapannya. Tetapi hal ini dapat membantu masyarakat keluar atau terselamatkan dari praktik riba yang dikenal dengan istilah bunga sebagaimana yang ada dalam perbankan yang tidak berlandaskan dengan syariat Islam, karena masalah riba bukan masalah dunia yang bisa dibolehkan atau dimaafkan begitu saja.

Kata kunci: Pembiayaan Muhdarabah.

 

References

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Published

16-01-2021

Issue

Vol. 3 No. 2 (2020): DESEMBER

Section

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