MINIMALISASI MASALAH AGENCY MELALUI SCREENING ADVERSE SELECTION DALAM PEMBIAYAAN MUDARABAH DI BANK SYARI’AH
ABSTRACT: This paper attempts
to theorise the behaviour of the Islamic firm in the light of the new theory of
the firm. In this papers, we explore the agency problems and effort to
minimalize the agency problems throught screening of adverse selection. The
adverse selection due to the pre-contractual endowment of information to the
entrepreneur about the productivity of the venture with respect to effort and
capital. The agency problem will not happened in the mudarabah financing if the
shahibul mal applied the restricted screening of adverse selection to the
mudharib. The study has found that there are six attributes considered from the
mudarabah projects point of view, which include the prospect of project,
availability of collateral, healthiness of project, project’s financial
statements, clarity of contract conditions, and conformity of time period. In
regard to mudharib attributes, the study has also concluded five
characteristics which are considered important. They include the business
capacity, [personal] collateral, mudharibs’ reputation and family background,
and their business commitments.
Penulis: Muhamad Muhamad
Kode Jurnal: jpperadabanislamdd100161
