Prosedur Sita Jaminan Pembiayaan Musyarakah Mutanaqishah Bermasalah Perspektif Hukum Islam
Keywords:
Islamic Bank, Musyarakah Mutanaqishah, Seizure of CollateralAbstract
Growth and development of banking from year to year rapidly. One of the developments of banking is the birth of islamic banks. Islamic banks are banks or institutions that carry out central activities in accordance with the qur'an and hadith, and refer to sharia principles. Islamic banks are financial institutions that collect funds from the public with surplus funds for funds deficit communities which prohibits maghrib. One product based on profit sharing is musharaka. Musyarakah is a cooperation agreement between two or more parties for a particular business, where each party contributes funds with an agreement that the benefits and risks will be shared in accordance with the agreement. In this article, using qualitative methods from various sources. The result of this article is that musharaka, like mudharabah, is a partnership-based islamic financial instrument. However, the nature and terms of the two financial instruments are different. All pillars and provisions of the musharaka agreement as stated in the fatwa DSN-MUI NO.8/DSN-MUI/IV/2000 concerning musyarakah financing also applies to musyarakah mutanakish. To carry out musyarakah mutanaqishah, you must first comply with the provisions contained in the mutanaqishah contract. If the parties are to carry out the agreement (akad) stipulated, they can request a failed warranty in accordance with existing regulations. The seizure of the guarantee itself is a form of guarantee that must be enforced through the confiscation mechanism according to the letter al-baqarah: 283.
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