Implemantasi Fatwa MUI tentang Akad Mudharabah terhadap Produk Tabungan Safari Kospin Jasa Syariah Banjaran Tegal
##plugins.themes.bootstrap3.article.sidebar##
##plugins.themes.bootstrap3.article.main##
Abstract
economic system in everyday life. In the face of today's uncertain global economy, it is necessary for every individual to have a savings fund in life. Kospin Jasa Syariah Capem Banjaran is here to present various products that are needed by the wider community, one of which is the Safari Savings product. The purpose of this study is to determine the implementation of the application of the Fatwa DSN MUI on the Safari Savings product at Kospin Jasa Syariah Capem Banjaran. With descriptive qualitative method, the writer wants to know in detail the application of the fatwa in the field. The results of this study indicate that Kospin Jasa Syariah uses the mudharabah muthlaqah contract on the Safari Savings product, which is done in writing and the ratio is expressed as a percentage. However, in practice the safari savings product contains several points that are not in accordance with the fatwa DSN MUI, namely profits are not calculated clearly and Kospin Jasa Syariah sets the same nominal ratio until the end of the contract to customers.
Downloads
##plugins.themes.bootstrap3.article.details##
Copyright (c) 2021 Nurul Wulandari Putri, Dhiya Faras Febriani
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
Anshori, A. G. (2009). Perbankan Syariah Di Indonesia. Yogyakarta: UII Pers.
Arifin, Z. (2009). Dasar-Dasar Manajemen Bank Syariah. Tanggerang: Aztera.
Dewan Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI), (2017). NO: 115/DSN-MUI/LX/2A 17 tentang Akad Mudharabah. Jakarta.
Fatmawati, D. A. (2018). Audit Kepatuhan Syariah Melalui Peran Dewan Syariah Pada PT. BPRS Dana Mulia Surakarta. Journal Of Islamic Finance and Accounting IAIN Surakarta, 19.
Irma Devita Purnamasari, S. (2011). Akad Syariah. Bandung: Kaifa.
Khudori, S. (2018). Analisis Kepatuham Syariah Implementasi Prinsip Bagi Hasil pada Simpanan Mudharabah Di KSPPS Binamas Purworejo. Jurnal Hamfara, 1.
Kuniawan, L. (2020, Maret 23). (D. F. Febriani, Interviewer)
Masni. (2019). Analisis Penerapan Shariah Compliance Dalam Produk Bank Syariah. Jurnal Hukum Ekonomi Syariah, 118.
Muhammad. (2014). Teknik Bagi Hasil dan Margin Keuangan pada Bank Syariah. Yogyakarta: UII Pers.
Mulazid, A. S. (2016). Pelaksanaan Sharia Compliance Pada Bank Syariah (Studi Kasus Pada Bank Syariah Mandiri, Jakarta). jurnal kajian keislaman madania, 37.
Nitasari, D. (2020, Juli 09). (D. F. Febriani, Interviewer)
Prasetyo, A. T. (2016). Kesesuaian Fatwa DSN MUI No. 7/DSN-MUI/IV/2000 Dalam Produk Pembiayaan Kepada Koperasi Untuk Anggota (PKPA) Di Bank Jatim Syariah Cabang Darmo Kota Surabaya. Jurnal Ekonomi Syariah Teori dan Terapan Unair, 26.
Qulub, A. A. (2019). Kepatuhan Syariah (Sharia Compliance) Akad Mudharabah yang ada di BMT Bina Insan Mandiri Cabang Rengel Tuban dinilai dari Fatwa DSN MUI. Jurnal EkonomiSyariah Teori dan Terapan Unair, 880.
Simamora, A. (1990). Sistem Perbankan Syaiah. Jakarta: PT RINEKA CIPTA.
Sugiyono. (2013). Metode Penelitian Pendidikan Pendekatan Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.
Suhendi, H. (2007). Fiqh Muamalah: Membahas Ekonomi Islam. Jakarta: PT. Raja Grafindo.
Sutedi, A. (2009). Perbankan Syariah, Tinjauan dan Beberapa Segi Hukum. Jakarta: Ghalia Indonesia