HUBUNGAN HUKUM ANTARA NASABAH PEMILIK DANA DENGAN BANK PENGELOLA DALAM PRODUK DEPOSITO MUDHARABAH
Abstract
ABSTRACT
The product of fund association by sharia bank which in its operation gets legitimacy of Law Number 21 in 2008 concerning Sharia Banking, one of them in the form of mudharabah deposits with the principle of profit sharing as a basic character and differentiator elements with deposits in conventional banks that apply the system of interest, the principle of profit sharing in addition to sharia banks can avoid the risk of negative spreads as occurred in conventional banks also brings the implications of changing the construction of legal relationships between customers and banks.Based on the results of the study, the legal relationship between the customer of the fund owner and the management bank in the mudharabah deposit product in the syariah bank no longer runs on the construction of the legal relationship between the creditor with the debtor as deposits in the conventional bank but is a partnership or partnership relationship based on equality in the share of profits on the funds invested with imbued the spirit of a fiduciary relationship between the customer of the owner of the fund and the management bank.The customer of the fund owner who invests through the mudharabah deposit scheme receives legal protection that includes the assurance of conformity of fund management with sharia principles through legal instruments regulated by Bank Indonesia and security guarantees for funds invested through the governance and risk management system performed by the managing bank. Keywords: Mudharabah Deposit.Keywords
Full Text:
PDFReferences
BUKU
Abdullah Alwi Haji Hassan, 1997, Sales And Contract In Early Islamic Commercial Law, ISBN, New Delhi.
Muhammad Syafi’i Antonio, 2001, Bank Syari’ah (Dari teori ke Praktik). Gema Insani Press, Jakarta.
Arifin Zainul, 2003, Dasar-Dasar Manajemen Bank Syariah, Alvabet.
Mukti Fajar dan Yulianto Ahmad, 2015, Dualisme Penelitian Hukum Normatif dan Empiris, Pustaka Pelajar, Yogyakarta.
Dewi Astutty Mochtar, 2001, Perjanjian Lisensi Alih Teknologi dalam Pengembangan Teknologi Indonesia, Alumni, Bandung.
Badruzzaman Mariam Darus, 2001, Perjanjian baku (Standart) Perkembangannya Di Indonesia, Alumni, Bandung.
_______, 1996, KUH Perdata Buku III tentang Perikatan Dan Penyelesaiannya, Alumni, Bandung.
Dewi Gemala, 2004, Aspek-Aspek Hukum Dalam Perbankan Dan Peransurasian Syariah Di Indonesia, Prenada Media, Jakarta.
Djinarto Bambang, 2000, Banking Asset Liability Management, Gramedia Pustaka Utama, Jakarta.
Fuady munir, 2003, Hukum Perbankan Modern, Citra Aditya Bakti, Bandung.
Adiwarman A Karim, 2001, Perbankan Syari’ah : Peluang, Tantangan dan Strategi Pengembangan, Jurnal Agama, Filsafat dan Sosial, Edisi 3.
Latifa M. Algoud dan Mervin K. Lewis, 2004, Perbankkan Syariah, Serambi Ilmu Semesta, Jakarta.
Muhammad, 2000, Sistem Dan Prosedur Operasional Bank Islam, UII Press, Yogyakarta.
Muhammad Abdul Kadir, 1990, Hukum Perikatan, Citra Aditya Bakti, Bandung.
Projodikoro Wirjono, 2000, Asas-Asas Hukum Perjanjian, Mandar Maju, Bandung.
Salim Abbas, 1998, Asuransi Dan Manajemen Resiko, Raja Gravindo Persada, Jakarta.
Sutan Remi Sjahdeni,1993, Kebebasan Berkontrak dan Perlindungan yang Seimbang Bagi Para Pihak dalam Perjanjian Kredit Bank di Indonesia, Institut Bankir Indonesia, Jakarta.
Subekti R, 1989, Aneka Perjanjian, Alumni, Bandung.
Subekti R, dan Tjitrosudibio, 1992, Kitab Undang-Undang Hukum Perdata, Pradya Paramita, Jakarta.
Sudarsono Heri, 2004, Bank Dan Lembaga Keuangan Syariah, Deskripsi Dan Ilustrasi, Ekonisia UII, Yogyakarta.
Gunarto Suhardi, 2003, Usaha Perbankan dalam Perspektif Hukum, Kanisius, Yogyakarta.
Sumitro Warkum, 2002, Asas-Asas Perbankan Islam Dan Lembaga-Lembaga Terkait, Raja Grafindo Persada, Jakarta.
Susilo Sri Y dkk, 2000, Bank Dan Lembaga Keuangan Lain, Salemba Empat, Jakarta.
Tunggal Iman Syahputro dkk, 2004, Peraturan Perundang-Undangan Perbankan Di Indonesia, Harvarindo, Jakarta.
Rachmadi Usman, 2002, Aspek-aspek hukum Perbankan Islam di Indonesia. Citra Aditya Bakti, Bandung.
MAKALAH
Djasadin Saragih, Sekilas Perbandingan Hukum Kontrak Civil Law Dan Common Law, tt.
Rizqullah, Paradigma Syariah Di Dunia Usaha, dalam seminar “ Perspektif Sistem Syariah Pada Perkonomian Indonesia di Era Global” UNMER, Malang.
KAMUS
Daniel Z, 2001, Kamus Istilah Perbankan Indonesia, Gramedia Pustaka Utama, Jakarta.
Hafizh Dasuki dkk, 1994, Ensiklopedi Islam, Ichtiar Baru Van Hoeve, Jakarta.
Refbacks
- There are currently no refbacks.
Copyright (c) 2019 WIDYA PRANATA HUKUM: JURNAL KAJIAN DAN PENELITIAN HUKUM
JURNAL WIDYA PRANATA HUKUM Indexed by:
 | WIDYA PRANATA HUKUM |