Analisis Perjanjian Bagi Hasil/profit Loss Sharing PT.bank Negara Indonesia (BNI) Syari'ah di Pekanbaru

Hasnidarti, Hasnidarti (2019) Analisis Perjanjian Bagi Hasil/profit Loss Sharing PT.bank Negara Indonesia (BNI) Syari'ah di Pekanbaru. Masters thesis, Universitas Islam Riau.

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Abstract

The background of this research is Law Number 21 of 2008 Article 19 paragraph (1) letter c concerning Sharia Banking regulating one of the business activities of Sharia Commercial Banks is distributing profit sharing financing based on mudharabah agreement, working capital financing contract based on the principle of musyarakah, or other contract which does not conflict with sharia principles. From the above understanding, it can be seen that there are benefits that must be divided from the results of joint ventures between banks and customers financed by working capital financing contracts based on the musyarakah principle. The problem raised in this thesis is how to analyze Profit Loss Sharing PT. Sharia Bank Negera Indonesia in Pekanbaru and What is the principle of profit sharing and risk sharing (Profit loss and sharing) between the Syari'ah Pekanbaru Indonesian Bank and the Developer. From the perspective of the method used this type of research is classified into a combination of research between Normative Law research and survey with data collection, directly carried out by survey research authors in the field using data collection tools in the form of interviews while Normative Legal research examines the contents of the contract between Bank Negara Indonesia Pekanbaru Syariah so that it can answer problems and finally be able to draw conclusions. Considering the results of research and discussion can be concluded a conclusion that the Analysis of Profit Sharing Agreements / Profit Loss Sharing PT. Basically, Bank Negera Indonesia Syariah Pekanbaru is a system of fund management for the distribution of business revenue between the Bank and the depositors or the fund manager. Based on this, in terms of Musyarakah Financing, a large risk is with the Developer as the provider (who built the housing unit to User). Losses for investors do not recover their investment capital in their entirety or in their entirety, and for capital managers they do not get wages / results from their work for the work they have done. That based on the results of the research that the author did in the field, the authors concluded that this agreement was in accordance with the Musyarakah Financing contract Number: 023 / MSY815 / 884 / IX / 18, dated 27 September 2018. Implementation of fund distribution in financing activities at Bank BNI Syari'ah Pekanbaru use several contracts such as buying and selling contract, profit sharing contract, lease agreement, guarantee contract and trust contract. Contract of sharing using musyarakah. In the implementation of financing with this principle, it is still low compared to other financing principles, this is due to several factors such as difficulty finding and obtaining honest, good character and high integration customers, on risk sharing factors and high risks to be borne by banks, still lacking financing technology For the results, there is still a lack of supervision at Bank BNI Syari'ah Pekanbaru that understands the problem of financing profit sharing, the attitude of the people who still consider Islamic Banking products the same as conventional banks and the absence of moral standards in profit sharing financing activities, and the authors see 30% the financing process at Bank Negara Indonesia Syari'ah pekanbaru is problematic during the contract process.

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