PENERAPAN FATWA DEWAN SYARIAH NASIONAL TENTANG JAMINAN DALAM AKAD PEMBIAYAAN MUDHARABAH DI BMT AL-AMANAH CABANG CIAWI TASIKMALAYA

  • Muhamad Dani Somantri IAI Latifah Mubarokiyah Suryalaya
  • Irma Suryani STAI Al-Musaddadiyah Garut
  • Dahwadin - BJB Syariah KCP Ciawi
  • Yusef Permana
Keywords: Fatwa National Sharia Counci, Guarantees, Mudharabah

Abstract

In the classical fiqh study, mudharabah contract is a contract based on the element of trust (trust) so that the application of mudharabah financing does not require collateral or collateral. Along with the times and the human character in running a business, there was a shift in thinking so that a new ijtihad was needed for a problem, one of which was the mudharabah financing contract. DSN-MUI as an institution that has authority in setting fatwas and has the duty and authority to monitor all transactions that are applied in LKS. Then, DSN-MUI also issued DSN fatwa No. 07 / DSN-MUI / IV / 2000 concerning Mudharabah Financing in general provisions and DSN considerations stipulates that LSK can request collateral / collateral to customers or third parties. Therefore, there is a gap between the opinions of classical jurists with DSN-MUI fatwas regarding guarantees in mudharabah financing contracts. The purpose of this study was to find out how the guarantee provisions in the distribution of mudharabah financing in non-bank financial institutions, how to guarantee in the DSN fatwa regarding mudharabah financing, and how to apply the DSN fatwa on collateral in mudharabah financing contracts. This study uses a qualitative descriptive approach, carried out by collecting data in the form of writing, words and sentences then the author will describe what the author gets from the results of interview observations and documentation. From the results of this study, it can be concluded that the application of the fatwa of the National Sharia Council (DSN) regarding collateral in the mudharabah financing contract is based on the attitude of today's society that often conducts moral hazard, especially in mudharabah financing which does have a very high risk. And from the fatwa, it is known that the guarantee function is not intended to intent on deceiving but as a control of the possibility of irregularities by mudarib, for this reason the DSN issued a fatwa that must be adhered to by one Islamic Financial Institution, one of them is the DSN fatwa No: 07 / DSN-MUI / IV / 2000 concerning financing of mudharbah.

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Published
2018-06-20
How to Cite
Somantri, M., Suryani, I., -, D., & Permana, Y. (2018). PENERAPAN FATWA DEWAN SYARIAH NASIONAL TENTANG JAMINAN DALAM AKAD PEMBIAYAAN MUDHARABAH DI BMT AL-AMANAH CABANG CIAWI TASIKMALAYA. MUTAWASITH, 1(1), 97-111. Retrieved from http://jurnal.iailm.ac.id/index.php/mutawasith/article/view/26
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Articles