PENERAPAN ASAS KEADILAN PADA TRANSAKSI PENYIMPANAN DANA NASABAH DI BANK SYARIAH BERDASARKAN AKAD MUDHARABAH

DIALEKTIKA : Jurnal Ekonomi dan Ilmu Sosial

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Field Value
 
Title PENERAPAN ASAS KEADILAN PADA TRANSAKSI PENYIMPANAN DANA NASABAH DI BANK SYARIAH BERDASARKAN AKAD MUDHARABAH
 
Creator Shoimah, Siti Nur
Susanti, Dyah Ochtorina
 
Description ABSTRAK
This research is motivated by the fact that it does not include clauses related to the risk of the Bank or the Customer in the mudharabah agreements in the customer deposit funds in Islamic Banking (Sharia Banking), if at any time the business of managing a Islamic Bank fund suffers, even though there are also Customer funds in the business, and it’s not balanced, because maybe only one party, the Customer or the Bank, bears the risk of loss. This imbalance then causes injustice, even though justice is a shariah requirement in the distribution of results from a business activity. Research that uses the normative legal research with the statute approach, and conceptual approach, results in the finding that the principle of justice in customer deposit funds in Islamic Banking based on mudharabah agreements is realized in the form of profit sharing system in the form of proportional and balanced benefits and risks.
 
Keyword: Principle of Justice, Mudharabah Agreements, Customer Deposit Fund, Islamic Banking
 
ABSTRAK
Penelitian ini dilatarbelakangi oleh fakta yang menunjukkan tidak dicantumkannya klausul terkait resiko Bank ataupun Nasabah di dalam akad mudharabah pada transaksi penyimpanan dana Nasabah di Bank Syariah, apabila suatu ketika usaha dari pengelolaan dana Bank Syariah mengalami kerugian, padahal di dalam usaha tersebut juga terdapat dana Nasabah, dan ini tentu tidak seimbang, karena dimungkinkan hanya pihak Nasabah Penyimpan atau Bank Syariah yang menanggung resiko atas kerugian tersebut. Ketidakseimbang inilah yang kemudian menimbulkan adanya ketidakadilan, padahal keadilan merupakan persyaratan syari’ah dalam pembagian hasil dari suatu kegiatan usaha. Penelitian yang menggunakan metode normatif dengan pendekatan perundang-undangan dan pendekatan konseptual ini, menghasilkan temuan bahwa asas keadilan pada transaksi penyimpanan dana Nasabah di Bank Syariah berdasarkan akad mudharabah diwujudkan dalam bentuk sistem bagi hasil berupa keuntungan dan resiko secara proporsionalitas dan seimbang.       
Kata Kunci:Asas Keadilan,  Akad Mudharabah, Penyimpanan Dana Nasabah, Bank Syariah
 
 
Publisher Fakultas Ekonomi dan Ilmu Sosial Universitas Islam Raden Rahmat Malang
 
Date 2020-03-10
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
 
Format application/pdf
 
Identifier http://ejournal.uniramalang.ac.id/index.php/dialektika/article/view/409
10.36636/dialektika.v5i1.409
 
Source DIALEKTIKA : Jurnal Ekonomi dan Ilmu Sosial; Vol. 5 No. 1 (2020): DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial; 23-38
2598-781X
2502-4094
 
Language eng
 
Relation http://ejournal.uniramalang.ac.id/index.php/dialektika/article/view/409/276
 
Rights Copyright (c) 2020 DIALEKTIKA : Jurnal Ekonomi dan Ilmu Sosial
 

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