Pengembangan Produk Bank Syariah melalui Investasi Mudharabah dengan Bagi Hasil yang Pasti

Trimulato Trimulato

Abstract


Shariah Banking now has strong legal framework with the presence of law number 21 of 2008 on Shariah banking. It is very influential on the existence of Shariah bankingis increasinglyin demand by many people. Shariah banking continue tobe driven in order to innovatein developing products to achieve targeted market share of 5%. In thethird-party funds products, this much-need edinnovation that canattract people to entrust their fundsin the bank Shari'ah. Data visible fund raising deposit products mudharabah March 2013 amounted to100.746.000.000 and 115.728.000.000 mudharabah deposit april 2014, an increase occurred only improvement that did not reach 2% in eachmonth. This paper using a qualitative descriptive type, limits in this paperis focused on fund raising products that exist in the bank Shari'ah. Product development of Shariah Banking in the form of Mudharabah Investment for definitive results. The result soft his paperthat theShari'ah bankingrequiresinnovationfund raisingthird-partyproducts, such as Mudharabah Investment products must Sharing. These investments provide certainty for results despite using mudharabah. These investmentsare based because of the certainty of the projector financing has been agreed by the Shari'ah withthe creditor banks. This investment product can beofferedto customers of both individual and group/collective.

Full Text:

PDF

References


Al-Qur’an

Algaoud, Latifa M. dan Mervyn K. Lewis, (2011). Perbankan Syariah, Prinsip, Praktik, Prospek, Jakarta, PT. Serambi Ilmu Semesta.

Anisah, Yuli. (2012). Pengaruh Sistem Profit Sharing Terhadap Keinginan Nasabah Untuk Berinvestasi Pada Baitul Maal Wa Tamwil (BMT) Di Kota Banda Aceh. Jurnal Ekonomi Dan Bisnis Vol 12, No.1. Lhokseumawe, FEB Politeknik Negeri Louksumawe.

Bank Indonesia. (2013). Outlook Perbankan Syari’ah 2014. Jakarta.

Farizal.(2010). Pengembangan Kompetensi SDM Perbankan Syariah Melalui Corporate University.Forum Riset Perbankan Syariah II.Yogyakarta.

Karim, Adiwarman.(2006). Bank Islam Analisis Fiqih dan Keuangan Edisi Ketiga, Jakarta: PT. Raja Grafindo Persada.

Hakiem, Hilman dan Desi Sulfiaratih Waluyo. (2011). Musyarakah, Mudharabah dan Pertumbuhan Sektor Riil. Jurnal Ekonomi Islam AL-Infaq Vol.2.No. 1. Bogor: Program Studi Ekonomi Islam Fakultas Ilmu Agama Islam Universitas Ibnu Khaldun.

Iskan, Syukri. (2012). Sistem Perbankan Syariah Di Indonesia Dalam Perspektif Fikih Ekonomi. Yogyakarta:Fajar Media Press.

Muhammad. (2013). Manajemen Keuangan Syari’ah. Yogyakarta.

Muhammad. (2008). Sistem dan Prosedur Bank Syari’ah, Yogyakarta: UII Press.

Muhammad. (2005). Manajemen Bank Syari’ah, Yogyakarta: UPP AMP YKPN.

Muhammad, Abdullah Bin Ath- Thayyar, dkk. (2009). Ensiklopedi Fiqih Muamalah Dalam Pandangan 4 Madzhab. Yogyakarta : Maktabah Al- Hanif, Yogyakarta.

Prabowo, Yudho. (2009). Analisis Resiko dan Pengembalian Hasil pada Perbankan Syariah: Aplikasi Metode VaR dan RAROC pada Bank Syariah Mandiri. Jurnal Ekonomi Islam La_Riba Vol.l1l.No. 1. Yogyakarta: Fakultas Ilmu Agama Islam UII.

P3EI UII.(2008). Ekonomi Islam. Jakarta: PT, RajaGrafindo Persada.

Otoritas Jasa Keuangan, Statistik Perbankan Syari’ah, 2014. Jakarta.

Otoritas Jasa Keuangan. (2014). Materi Training Of Trainers Perbankan Syariah. Solo

Sudarsono, Heri. (2010). Bank & Lembaga Keuangan Syariah Deskripsi dan IlustrasiEdisi 3. Yogyakarta: EKONISIA.

Sugiyono, 2005.Memahami Penelitian Kualitatif, alfabeta, Bandung.

Surya, Sumardi Brata. (2010). Metodologi Peneltian, Jakarta: Rajawali Press.

Syafi’i, Muhammad Antonio. (2001). Bank Syariah: Dari Teori ke Praktik.,Jakarta, Gema Insani Press.

http://www.bi.go.id/id/ruang-media/siaran-pers/Pages/sp_155313_dkom.aspx, pada tanggal 28 Agustus 2014

http://porakranjau.wordpress.com/2008/03/27/potensi-pembiayaan-mudharabah/ Diakses pada tanggal 9 April 2011

http://www.bi.go.id/web/id/Perbankan/Perbankan+Syariah/, diakses Pada tanggal 14 Juni 2012

http://insco.co.id/?p=1264, diakses pada tanggal 26 Agustus 2014




DOI: http://dx.doi.org/10.20961/jab.v15i2.178

Jurnal Akuntansi dan Bisnis (JAB)
ISSN 1412-0852 (print), 2580-5444 (online)
Published by Accounting Study Program, Faculty of Economics and Business, Universitas Sebelas Maret, Indonesia


Creative Commons License
JAB on http://jab.fe.uns.ac.id/index.php/jab is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License

Visitor Statistic