Pelaksanaan Akad Mudharabah Di Bank Mandiri Syariah Kantor Cabang Harapan Raya Kota Pekanbaru Berdasarkan Undang-Undang Nomor 21 Tahun 2008 Tentang Perbankan Syariah

Mariatno, Indra (2020) Pelaksanaan Akad Mudharabah Di Bank Mandiri Syariah Kantor Cabang Harapan Raya Kota Pekanbaru Berdasarkan Undang-Undang Nomor 21 Tahun 2008 Tentang Perbankan Syariah. Other thesis, Universitas Islam Riau.

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Abstract

Bank Syariah Mandiri Pekanbaru Harapan Raya Branch Office is one of the banks that is currently carrying out mudharabah activities in which a cooperation agreement between the owner of the business manager (mudharib) to carry out joint business activities between the customer who is the party managing the business and the Bank Syariah Mandiri Pekanbaru Branch Office Harapan Raya as a provider of capital by providing loans in the form of money where the profits will be divided based on the agreement but in the implementation there is a default by the business manager (mudharib) of the Mudharabah Akad Agreement. The main problem in this research is how the implementation of the Mudharabah Agreement at Bank Syariah Mandiri Pekanbaru Harapan Raya Branch Office and how to resolve the problematic Mudharabah Financing At the Bank Syariah Mandiri Pekanbaru Harapan Raya Branch Office. This type of research is observational research (observational research) that is by way of direct surveys to the field, with data collection tools namely interviews and questionnaires. Viewed from the standpoint of its nature this research is descriptive in that it is to provide as much detailed data as possible about humans, circumstances or other symptoms. Drawing conclusions using the inductive method that is drawing conclusions from things that are specific to things that are general. The results obtained are the implementation of the Mudharabah contract at Bank Syariah Mandiri Pekanbaru Harapan Raya Branch Office not going well, this is marked by a default. That happened because the business that was run by the business manager (mudarib) was stuck and not smoothly against the mudharabah financing agreement. Settlement of problematic Mudharabah Financing at Bank Syariah Mandiri Pekanbaru Harapan Raya Branch Office is by rescue measures, namely resheduling, reconditioning and restructuring. In addition, mergers, joint ventures and take-overs of the customer's business activities can also be carried out by banks. However, if the rescue effort cannot be carried out, the settlement is done by way of consultation between the customer and the bank, if the effort is unsuccessful, then it can take legal action at the National Sharia Arbitration Board (BASYARNAS) and / or the Religious Court, but this settlement requires a cost big and takes a long time.

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