SHARIA COMPLIENCE AKAD BERBASIS NATURAL UNCERTAINTY CONTRACT (NUC) LEMBAGA KEUANGAN MIKRO SYARIAH DI KABUPATEN JEPARA
Financing in Sharia Micro Financing Institutions (BMT) is dominated by certainty contracts, as it has less risk than syirkah contract like Mudharabah or Musyarakah based on Natural Uncertainty Contract (NUC). Implementation constraints syirkah contracts exist on both parties, financial institutions...
| Main Authors: | , |
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| Format: | Article |
| Language: | Indonesian |
| Published: |
Universitas Negeri Surabaya
2018-01-01
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| Series: | al-Uqud: Journal of Islamic Economics |
| Subjects: | |
| Online Access: | https://journal.unesa.ac.id/index.php/jie/article/view/1671 |
| _version_ | 1811291765058043904 |
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| author | Edi Susilo A. Khoirul Anam |
| author_facet | Edi Susilo A. Khoirul Anam |
| author_sort | Edi Susilo |
| collection | DOAJ |
| description | Financing in Sharia Micro Financing Institutions (BMT) is dominated by certainty contracts, as it has less risk than syirkah contract like Mudharabah or Musyarakah based on Natural Uncertainty Contract (NUC). Implementation constraints syirkah contracts exist on both parties, financial institutions and clients. due to lack of financial reports, honesty and transparency of the client's business (asismetric information). The Client gives a business report if the results obtained are small or equivalent to the bank interest rate, but if the business profit is good, then the profit share must be high. This research is a qualitative descriptive analytical research, to see the implementation of syirkah contract on Sharia Micro Finance Institution (BMT) in Jepara Regency and its syariah compliance based on DSN-MUI fatwa. The results showed that BMT in Jepara regency can not fulfill the compliance of shariah contract of Natural Uncertanty Contract (NUC) due to high risk, human resource capability and low comprehension and lack of client's financial report. |
| first_indexed | 2024-04-13T04:34:25Z |
| format | Article |
| id | doaj.art-8fc9f9c19ebb4285b0950162e0c34ed3 |
| institution | Directory Open Access Journal |
| issn | 2549-0850 2548-3544 |
| language | Indonesian |
| last_indexed | 2024-04-13T04:34:25Z |
| publishDate | 2018-01-01 |
| publisher | Universitas Negeri Surabaya |
| record_format | Article |
| series | al-Uqud: Journal of Islamic Economics |
| spelling | doaj.art-8fc9f9c19ebb4285b0950162e0c34ed32022-12-22T03:02:13ZindUniversitas Negeri Surabayaal-Uqud: Journal of Islamic Economics2549-08502548-35442018-01-0121203710.26740/al-uqud.v2n1.p20-371406SHARIA COMPLIENCE AKAD BERBASIS NATURAL UNCERTAINTY CONTRACT (NUC) LEMBAGA KEUANGAN MIKRO SYARIAH DI KABUPATEN JEPARAEdi Susilo0A. Khoirul Anam1Universitas Islam Nahdlatul Ulama JeparaUniversitas Islam Nahdlatul Ulama JeparaFinancing in Sharia Micro Financing Institutions (BMT) is dominated by certainty contracts, as it has less risk than syirkah contract like Mudharabah or Musyarakah based on Natural Uncertainty Contract (NUC). Implementation constraints syirkah contracts exist on both parties, financial institutions and clients. due to lack of financial reports, honesty and transparency of the client's business (asismetric information). The Client gives a business report if the results obtained are small or equivalent to the bank interest rate, but if the business profit is good, then the profit share must be high. This research is a qualitative descriptive analytical research, to see the implementation of syirkah contract on Sharia Micro Finance Institution (BMT) in Jepara Regency and its syariah compliance based on DSN-MUI fatwa. The results showed that BMT in Jepara regency can not fulfill the compliance of shariah contract of Natural Uncertanty Contract (NUC) due to high risk, human resource capability and low comprehension and lack of client's financial report.https://journal.unesa.ac.id/index.php/jie/article/view/1671sharia micro financing institutionsnatural uncertainty contractsyirkah contract |
| spellingShingle | Edi Susilo A. Khoirul Anam SHARIA COMPLIENCE AKAD BERBASIS NATURAL UNCERTAINTY CONTRACT (NUC) LEMBAGA KEUANGAN MIKRO SYARIAH DI KABUPATEN JEPARA al-Uqud: Journal of Islamic Economics sharia micro financing institutions natural uncertainty contract syirkah contract |
| title | SHARIA COMPLIENCE AKAD BERBASIS NATURAL UNCERTAINTY CONTRACT (NUC) LEMBAGA KEUANGAN MIKRO SYARIAH DI KABUPATEN JEPARA |
| title_full | SHARIA COMPLIENCE AKAD BERBASIS NATURAL UNCERTAINTY CONTRACT (NUC) LEMBAGA KEUANGAN MIKRO SYARIAH DI KABUPATEN JEPARA |
| title_fullStr | SHARIA COMPLIENCE AKAD BERBASIS NATURAL UNCERTAINTY CONTRACT (NUC) LEMBAGA KEUANGAN MIKRO SYARIAH DI KABUPATEN JEPARA |
| title_full_unstemmed | SHARIA COMPLIENCE AKAD BERBASIS NATURAL UNCERTAINTY CONTRACT (NUC) LEMBAGA KEUANGAN MIKRO SYARIAH DI KABUPATEN JEPARA |
| title_short | SHARIA COMPLIENCE AKAD BERBASIS NATURAL UNCERTAINTY CONTRACT (NUC) LEMBAGA KEUANGAN MIKRO SYARIAH DI KABUPATEN JEPARA |
| title_sort | sharia complience akad berbasis natural uncertainty contract nuc lembaga keuangan mikro syariah di kabupaten jepara |
| topic | sharia micro financing institutions natural uncertainty contract syirkah contract |
| url | https://journal.unesa.ac.id/index.php/jie/article/view/1671 |
| work_keys_str_mv | AT edisusilo shariacomplienceakadberbasisnaturaluncertaintycontractnuclembagakeuanganmikrosyariahdikabupatenjepara AT akhoirulanam shariacomplienceakadberbasisnaturaluncertaintycontractnuclembagakeuanganmikrosyariahdikabupatenjepara |