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Prinsip Bagi Hasil dan Risiko Pembiayaan Perspektif Fatwa DSN: Survei pada BMT Lhokseumawe - Aceh

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  • Persada, Pena
  • , Ismaulina

Abstract

Prinsip ekonomi Islam bertujuan menciptakan keadilan dan kemaslahatan bersama. Berdasarkan kajian dan analisis diperoleh hasil sebagai berikut: (1) PT Bank Syariah Mandiri Cabang Lhokseumawe menerapkan prinsip revenue sharing pada produk BSM mudharabah dan BSM musyarakah. Kedua produk memiliki risiko gagal banyar. penyelewengan pembiayaan dan manipulasi keuntungan yang tinggi, sehingga BSM menerapkan sistem proteksi ganda mulai dari sekelsi calon nasabah, varifikasi dokumen serta monitoring pelaksanaan kegiatan nasabah. (2) Kendala yang dihadapi PT. Bank Syariah Mandiri telah sesuai dengan orinsip ekonomi Islam dan fatwa mengenai sistem bagi hasil revenue sharing.

Suggested Citation

  • Persada, Pena & , Ismaulina, 2017. "Prinsip Bagi Hasil dan Risiko Pembiayaan Perspektif Fatwa DSN: Survei pada BMT Lhokseumawe - Aceh," Thesis Commons cs6w4, Center for Open Science.
    • Handle: RePEc:osf:thesis:cs6w4
    DOI: 10.31219/osf.io/cs6w4
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