PERBANKAN

Analisis Risiko dalam Penerapan Pembiayaan Akad Mudharabah Pada PT. Bank Tabungan Negara (Persero) Tbk. Kantor Cabang Syariah Solo

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Risks and challenges in implementing mudharabah financing make its practice in Islamic Financial Institutions in Indonesia still relatively limited compared to murabahah and musyarakah financing. To understand the risk factors and to identify and investigate in detail the risks and implementation of mudharabah financing, strategies and solutions can be developed to enhance the outstanding mudharabah financing in Islamic banking.
The focus of this thesis is firstly, to identify the factors causing risks in mudharabah financing. Secondly, to examine the risk management of mudharabah financing implementation. Thirdly, to assess whether the implementation of mudharabah financing at BTN Sharia Branch Office Solo complies with Fatwa DSN No.07/DSN-MUI/IV/2000.

This research is conducted using qualitative research method with a descriptive approach. The research subjects are BTN Solo Syariah selected using purpose sampling technique. Data collection techniques include observation, interviews, and documentation. Data analysis involves data reduction, data presentation, and conclusion drawing, with data validity ensured through triangulation of sources. The research stages include pre-observation, observation implementation, research implementation, and conclusion stages. The results of this research are first, the causes of factors that cause mudharabah contract financing risks, the main ones are external factors, namely customers, acts of misappropriation of funds, there are acts of moral hazard where customers have bad character in managing funds. Second, the most important risk management carried out focuses on character and capacity. Risk measurement and monitoring carried out by the BTN Solo Syariah Branch Office. Third, even though there are
obstacles in financing mudharabah contracts, the implementation implemented by

BTN Solo Syariah Branch Office is in accordance with DSN Fatwa No:07/DSN-MUI/IV/2000. So the Solo Syariah Branch Office Bank offers a strategy for handling mudharabah financing with collateral or cash collateral, this is an alternative if the customer experiences failure in his business. The solutions presented in this research can be promoted further to support the implementation of mudharabah financing in Sharia Banks.

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Ketersediaan

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Informasi Detail

Judul Seri

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No. Panggil

2X6.1 CHO a 24

Penerbit

SUKOHARJO : Perbankan Syariah_UIN RM Said., 2024

Deskripsi Fisik

21 cm, 85 halaman

Bahasa

Indonesia

ISBN/ISSN

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Klasifikasi

2X6.1

Tipe Isi

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Tipe Media

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Tipe Pembawa

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Edisi

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Subjek

Perbankan Syariah

Info Detail Spesifik

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Pernyataan Tanggungjawab

Choirunnisa Sayudi

Versi lain/terkait

Lampiran Berkas

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