Gambaran Penerapan Bagi Hasil dan Incentive-Compatible Constraints pada Pembiayaan Mudharabah PT Bank Sulselbar (Kantor Cabang Syariah Makassar)
| Main Author: | Nurani, Rahmat |
|---|---|
| Format: | Thesis |
| Terbitan: |
, 2012
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| Subjects: | |
| Online Access: |
http://repository.unhas.ac.id/handle/123456789/2307 |
Daftar Isi:
- Penelitian ini bertujuan untuk mengambarkan penerapan bagi hasil dan incentive- compatible constraints pada pembiayaan mudharabah PT Bank Sulselbar (Kantor Cabang Syariah), termasuk faktor pendukung dan penghambat dari penerapan kebijakan tersebut. Data penelitian ini diperoleh dari observasi, wawancara mendalam dengan pihak-pihak terkait, dan dokumentasi. Temuan penelitian menunjukkan bahwa Bank Sulselbar Syariah menerapkan sistem revenue sharing untuk metode perhitungan bagi hasil. Selain itu, incentive- compatible constraints yang diterapkan, seperti: pengupayaan adanya jaminan, penetapan batasan maksimal biaya operasi atas rasio pendapatan, melakukan monitoring, dan penetapan minimal profit margin, cukup memadai untuk mencegah terjadinya risiko-risiko pembiayaan mudharabah. Semua faktor pendukung dan penghambat yang dialami pada penerapan kebijakan tersebut merupakan hal yang wajar, terutama pada lembaga keuangan. Kata Kunci: bagi hasil, incentive- compatible constraints, pembiayaan mudharabah, revenue sharing, profit margin. This study aimed to describe the application of sharing and incentive-compatible constraints on mudharabah financing in Sulselbar Bank???s (Syari???ah Branch Office), included supporting and inhibiting factors from implementation of the policy mentioned. Data used in this research were obtained from observation, in- depth interviews with relevant parties, and documentation. Research findings indicate that the Sulselbar Syari???ah Bank implemented revenue sharing system for the method of sharing calculation. Beside that, incentive-compatible constraints were applied, such as: strive for existence of a collateral, setting a maximum limit on the operating cost at income ratio, regular monitoring, and establishing a minimum profit margin, will be sufficient to prevent the risks of mudharabah financing. All the supporting and inhibiting factors which had been around by implementation of that policy is reasonable, especially for the financial institutions. Keywords: profit sharing, incentive-compatible constraints, mudharabahfinancing, revenue sharing, profit margin.