Desain Penyelesaian Kredit Macet Dalam Pembiayaan Murobahah Di BMT Bina Ummat Sejahtera
Abstract
Financing based on Islamic principles actually to increase employment opportunities and economic prosperity in accordance with the Islamic values. The existence of BMT run financing based on Islamic principles not only for profits and enliven the financing business in Indonesia, but also to create a safe business environment with Islamic principles that do not burden the debtor. One of the financing with the principles of Syariah is financing with the murabahah system. Murabahah financing is a type of purchase contract item with the acquisition price and profit (margin) as agreed by the seller and the buyer where the refund loans by the customer can be done in the form of a mortgage or loan. Loans granted certainly has risk so required ability and effectiveness in managing credit risk and minimize the potential losses. Experienced credit risk is a breakdown of murabahah financing so that need to design a settlement in such financing.
Keywords
Full Text:
PDFReferences
Faisal, Restrukturisasi Pembiayaan Murabahah Dalam Mendukung Manajemen Resiko Sebagai Implementasi Prudential Principle Pada Bank Syariah Di Indonesia, Jurnal Dinamika Hukum, Vol 11 No. 3 September 2011
Faisal, Sanafiah, Penelitian Kualitatif: Dasar-Dasar dan Aplikasinya, Observasi Terseleksi, Yayasan Asah Asih Asuh, Malang, 1990
Gary Goodpaster, Negosiasi dan Mediasi, Sebuah Pedoman Negosiasi dan Penyelesaian Sengketa Melalui Negosiasi, ELIPS Project, Jakarta, 1993
Hamoudi, Haider Ala, Muhammad’s Social Justice or Muslim Cant? : Langdelleanism And The Failure Of Islamic Finance, Cornell International Law Journal, 40 Cornell International 89, Winter 2007
Lorna Gilmour, Penny Hand, dan Cormac Mc Keown (eds.), Collins English Dictionary and Thesaurus, Third Rdition, (Great Britain: Harper Collins Publishers, 2007
Martin H. Manser, Oxford Learner;s Pocket Dictionary, New Edition, Oxford: Oxford University Press, 1995
Maulidiana, Lina, Penerapan Prinsip-Prinsip Murabahah Dalam Perjanjian Islam (Kajian Operasional Bank Syariah Dalam Modernisasi Hukum), Jurnal Sains Dan Informasi, Fakultas Hukum Universitas Sang Bumi Ruwa Jurai, No. 7, tahun 2011
Mukhlas, Tesis, Implementasi gadai Syari’ah dengan akad Murabahah dan Rahn (Studi di Pegadaian Syari’ah cabang Mlati Sleman Yogyakarta, Program Magister Ilmu Hukumm Fakultas Hukum Universitas Sebelas Maret Surakarta, 2010
Nasution, Metode Penelitian Naturalistik Kualitatif, Tarsito Bandung, 1992,
Rahardjo, Satjipto, Ilmu Hukum, Pencarian, Pembebasan dan Pencerahan, Muhammadiyah University press, Surakarta, 2004
Rahayu, Esmi Warassih, Pranata Hukum Sebuah Telaah Sosiologis, PT. Suryandaru Utama, 2005
Rahma, Yusuf Aziz, Prosedur pembiayaan dan penanganan masalah pada BMT Arafah, Penelitian, UNS Surakarta, 2010
Rivai, Harif Amali, dkk, Identifikasi Faktor Penentu Keputusan Konsumen Dalam Memilih Jasa Perbankan : Bank Syariah Vs Bank Konvensional, Jurnal Center For Banking Research Universitas Andalas, 2006
Satjipto Rahardjo, Sisi-Sisi Lain Dari Hukum di Indonesia, Penerbit Buku Kompas, Jakarta, 2006
Siamat, Dahlan, Manajemen Bank Umum, Jakarta: Intermedia,1993
Soemitro Ronny Hanutijo, Motodologi Penelitian Hukum, Ghalia Indonesia, 1985
Subekti, Aneka Perjanjian, Citra Aditya Bakti, Bandung, 1995
Sudarto, Hukum dan Hukum Pidana, Penerbit Alumni, Bandung, 1986
Supriyadi, Desain Penyelesaian Kredit Macet Di BPR BKK Jepara Melaui Jalur Non Litigasi, Iqtishadia, Jurnal Ekonomi dan Bisnis Islam, Program Studi Ekonomi Islam jurusan Syariah, STAIN Kudus, Edisi IX Desember 2010, ISSN: 1979-0724
Syafei, Rachmat, Fiqh Muamalah, Bandung CV. Pustaka Setia, 1998
Usman, Rohmadi, Pilihan Penyelesaian Sengketa di Luar Pengadilan, Citra Aditya Bhakti Bandung 2009
William Ury, J.M. Brett dan S.B. Golderg, Getting Disputes Resolved hlm. 35 sebagaimana dikutip Rohmadi Usman, Pilihan Penyelesaian Sengketa di luar pengadilan, Citra Aditya Bhakti, Bandung, 2003
Yin, Robert K., Studi Kasus, Desain dan Metode, PT. Radja Grafindo, Jakarta, 2006
Zamroni, Pengembangan Pengantar Teori Sosial, Tiara Yoga, Yogjakarta, 1992
Republika online, http://www.republika.co.id/berita/ekonomi/syariah-ekonomi/15/03/22/nlmhlb-aset-bmt-indonesia-capai-rp-47-triliun, diakses tanggal 1 Maret 2016
Bank Indonesia, Sekilas perbankan syari’ah di Indonesia, http://www.bi.go.id/id/perbankan/syariah/Contents/Default.aspx, diakses tanggal 3 Maret 2016
Unisba, http://pasca.unisba.ac.id/akad-murabahah-dan-implementasinya-pada-syariah-dihubungkan-dengan-kebolehan-praktek-murabahah-menurut-para-ulama/ diakses 4 Maret 2016
DOI: http://dx.doi.org/10.21043/tawazun.v1i1.4912
Refbacks
- There are currently no refbacks.
Copyright (c) 2019 TAWAZUN : Journal of Sharia Economic Law
Tawazun: Journal of Sharia Economic Law has been Indexed by :
Tawazun: Journal of Sharia Economic Law by Sharia Economic Law Department, Sharia Faculty, State Islamic Institute of Kudus, Kudus, Indonesia is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.