PENYELESAIAN HUTANG YANG DIALIHKAN SECARA TAKE OVER DENGAN AKAD MUSHARAKAH DI BRI SYARIAH KCP DIPONEGORO SURABAYA
ABSTRACT: Basically,
the pattern of relationships built between the customer and the bank is
symbiosis mutualism, which is mutually beneficial relationship, where the bank
according to function the collecting and distributing public funds to improve
the lives of many people, especially the Islamic Banking not only prioritize
mutually beneficial transaction, but more than that, pengoprasionalan Islamic
Bank can not escape the principle of helping others, especially the settlement
of debts. Debt settlement is transferred to take over the contract
musha>rakah is the removal of the rest of the debt held by customers of
Financial Institutions Shari’ah or Islamic Financial Institutions to other
Islamic Bank with contract qard}, next to Bank Syariah customer debt settled
with agreement musha>rakah , in which each party contributes funds (or
charitable/expertise) with the agreement that the benefits and risks will be
shared in accordance with the agreements. According to Islamic law, debt
settlement is transferred to take over the contract musha>rakah in BRI
Syariah KCP Diponegoro Surabaya does not conflict with Islamic law because the
parties have been implementing harmonious and terms and conditions are in
accordance with Islamic law, so that such transactions are allowed in Islam.
Keyword: take over, qard,
musharakah
Penulis: Uswatun
Chasanah
Kode Jurnal: jpperadabanislamdd130088
