THE IMPLEMENTATION OF FINANCIAL AGREEMENT OF MUDHARABAH TO BANK NAGARI SYARIAH OF PADANG BRANCH
ABSTRACT: A financial
agreement of Mudharabah (return on asset) is one of a Syariah banking product.
Where this institution did hold the interest system, thus avoiding the afraid
feeling mudharib in getting return on asset was accompanied by interest. There
were some problems discussed about mudharabah system in this research as follows
: 1) how does the implementation of financial agreement of Mudharabah to Bank
Nagari Syariah of Padang Branch, 2) what’s’ the obstacles found in the
implementation of financial agreement of Mudharabah? 3) How to solve the
problem if one party have dispute with the implementation of financial
agreement of Mudharabah? Method of this research was judicial sociology which
focuses to field data for getting primary data. Then, the researcher also used
secondary data which consisted of law primary document and secondary. After all
data have been collected, the researcher do a qualitative analysis, it is
descriptive analysis without used statistical analysis and numeric. From the
result of research can be summarized that the implementation of financial
agreement of mudharabah, deposit of financial can be provided progressively or
all at once thorough saving account of mudharib at Bank Nagari Syariah of Padang Branch. Some
obstacles was found in the implementation of this system often had gridlock
credit from mudharib. Some solutions was
offered to one parties is allow him not to pay his credit by giving the
extending time, easiness of interest in the form of decreasing his credit and
held the sale of his warranty
Penulis: Maya Asiska,
Yansalzisatry, Elyana Novira
Kode Jurnal: jphukumdd141315
