Mekanisme pembagian laba rugi pembiayaan sebagai sebuah tantangan bagi perbankan syariah di indonesia

JISAMAR (Journal of Information System, Applied, Management, Accounting and Research)

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Field Value
 
Title Mekanisme pembagian laba rugi pembiayaan sebagai sebuah tantangan bagi perbankan syariah di indonesia
 
Creator Wujarso, Riyanto
 
Description Profit and loss sharing (PLR) in Islamic banking in Indonesia faces difficulties. Contracts for financing (PLR) include mudharabah and musyarakah. Before addressing the difficulties, this analysis evaluates the mudharabah and musyarakah contracts' execution. While a musyarakah contract requires investors and entrepreneurs to provide money and labor, a mudharabah contract allows the investor to supply capital and the entrepreneur to manage the firm. In terms of return on investment, all partners share profits and losses according to the pre-agreed musyarakah ratio; however, only the financier bears the loss for the mudharabah, as the entrepreneur has lost business as a result of the scheme. This research will be discussed qualitatively and using a literature review approach. The findings indicate that there are four major impediments to PUR financing: high investment risk, difficulties in selecting the best partner, demands from consumers with a poor credit rating, and a lack of financial protection.
 
Publisher Sekolah Tinggi Manajemen Informatika dan Komputer Jayakarta
 
Date 2021-08-10
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
 
Format application/pdf
 
Identifier http://journal.stmikjayakarta.ac.id/index.php/jisamar/article/view/398
10.52362/jisamar.v5i3.398
 
Source Journal of Information System, Applied, Management, Accounting and Research; Vol 5 No 3 (2021): JISAMAR (Journal of Information System, Applied, Management, Accounting and Research); 558-565
2598-8719
2598-8700
10.52362/jisamar.v5i3
 
Language eng
 
Relation http://journal.stmikjayakarta.ac.id/index.php/jisamar/article/view/398/335
 
Rights Copyright (c) 2021 Riyanto Wujarso
http://creativecommons.org/licenses/by/4.0
 

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