| Summary: | This study was conducted to know the suitability between the implementation
of musyarakah financing in BNI Syariah, Ltd., branch of Pekanbaru and the
current regulations, and also to know its barriers that involved and to find the
solution in the implementation.
This study used the empiric juridical method of research, or socio-legal
research, that was the conducted research to get the primary data related to the
things in the practice, and the materials related to the research topic were used as
the secondary data. The primary data was collected by conducting interviews
with the informants and respondents of BNI Syariah Ltd., branch of Pekanbaru.
Whereas the secondary datas were achieved by literature study. The collected
datas would be analyzed qualitatively using descriptive method.
Based on the study results, it can be concluded that the implementation of the
agreement of musyarakah financing in BNI Syariah Ltd., branch of Pekanbaru,
has been already suitable with the current regulations, either with the principle of
syariah based on the governmental laws of 2008 number 21 about Syariah
Banking and Letter of Bank Indonesia Number 10/14/DPbS Edran Year 2008
concerning the Implementation of Islamic in Fund Raising and Distribution of
Funds and Islamic Banking Services, as well as DSN MUI instructions number
08/DSN-MUI/IV/2008 about musyarakah financing. Its barrier was the customers
did not belief that syariah banking was different with the conventional banking.
They were convinced such belief because of the guarantie requirement in assuring
the payment of the fundamental financing on the financing project.
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