Implementation of The Mudharabah Akad on Islamic Banking Working Capital Products At Bank Sumsel Babel Syariah, Palembang Branch

Antoni Antoni, Ani Aryati, Dini Anisa Hana

Abstract


The problem in this study is about the mechanism of financing Islamic Banking (iB) working capital products with mudharabah agreements at Bank Sumsel Babel Syariah, Palembang Branch. Then, the strategy was carried out by Bank Sumsel Babel Syariah, Palembang Branch to minimize the risk of iB working capital financing on mudharabah contracts,  inhibit and support factors for customers in applying for iB working capital financing at Bank Sumsel Babel Syariah Palembang Branch. This research is field research using qualitative research methods. Primary data sources are data obtained directly from the studied source by systematically observing and recording the problem at hand. Secondary data sources support discussions and are obtained from others in the form of reports, books, and newspapers. The data collection method also uses interview, observation, documentation methods. The results of the study found that the implementation of mudharabah contracts on working capital iB products is under DSN fatwa Number: 07/DSN-MUI/IV/2000 on mudharabah financing.  Bank Sumsel Babel Syariah uses risk management implementation strategies, analyzes customer eligibility, conducts surveys, and conducts supervision after conducting searches to minimize financing risks. Some  factors  inhibiting customers from applying for financing, namely in completing the file, and factors that encourage Islamic banks to use a revenue-sharing system do not use the element of ribâ (interest).

 

Permasalahan dalam penelitian ini adalah mengenai mekanisme pembiayaan produk modal kerja  Perbankan Syariah (iB) dengan perjanjian mudharabah di Bank Sumsel Babel Syariah, Cabang Palembang. Kemudian strategi yang dilakukan Bank Sumsel Babel Syariah Cabang Palembang untuk meminimalkan risiko pembiayaan modal kerja iB pada kontrak mudharabah, faktor penghambat dan penunjang bagi nasabah dalam mengajukan pembiayaan modal kerja iB di Bank Sumsel Babel Cabang Syariah Palembang. Penelitian ini adalah penelitian lapangan dengan menggunakan metode penelitian kualitatif. Sumber data primer adalah data yang diperoleh langsung dari sumber yang diteliti, dengan secara sistematis mengamati dan merekam masalah yang dihadapi. Sementara itu, sumber data sekunder adalah data yang mendukung diskusi dan diperoleh dari orang lain dalam bentuk laporan, buku, dan surat kabar. Metode pengumpulan data juga menggunakan metode wawancara, observasi, dokumentasi. Hasil penelitian ditemukan bahwa pelaksanaan kontrak mudharabah pada produk iB modal kerja ini sesuai dengan fatwa DSN Nomor: 07/DSN-MUI/IV/2000 tentang pembiayaan mudharabah. Bank Sumsel Babel Syariah menggunakan strategi penerapan manajemen risiko, menganalisis kelayakan nasabah,  melakukan survei, dan melakukan pengawasan setelah melakukan pencarian untuk meminimalkan risiko pembiayaan. Adapun faktor yang menghambat nasabah mengajukan pembiayaan, yaitu dalam melengkapi berkas, dan faktor-faktor yang mendorong bank syariah untuk menggunakan sistem bagi hasil tidak menggunakan unsur riba (bunga).


Keywords


mudharabah contract; working capital financing; profit sharing.

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DOI: http://dx.doi.org/10.29300/madania.v25i2.5644

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