ANALISIS PEMBAGIAN NISBAH DALAM AKAD MUDHARABAH ANTARA SHAHIBULMAL DENGAN MUDHARIB DITINJAU DARI ASPEK HUKUM DAN ASPEK EKONOMI SYARIAH DI BANK BNI KANTOR CABANG PEMBANTU BOYOLALI

Abstrak: Analisis Pembagian Nisbah Dalam Akad Mudharabah Antara Shahibul Mal Dengan Mudharib Ditinjau Dari Aspek Hukum Dan Aspek Ekonomi Syariah Di Bank Bni Kantor Cabang Pembantu Boyolali ini sudah sesuai dengan peraturan menurut agama islam. PT. Bank Negara Indonesia (BNI) Syariah adalah perusahaan yang bergerak dibidang perbankan yang kegiatannya memberikan pelayanan kepada masyarakat, baik jasa maupun produk perbankan lainnya. BNI Syariah dibentuk secara mandiri melalui Tim Proyek Internal. Pola yang digunakan PT. Bank Negara Indonesia (Persero) tbk. Syariah untuk masuk ke dalam pasar perbankan syariah adalah dual system banking. Akad Mudharabah adalah perjanjian pembiayaan atau penanaman dana dari pemilik dana (shahibul maal) kepada pengelolaan dana (mudharib) untuk melakukan kegiatan usaha tertentu yang sesuai syariah, dengan pembagian hasil usaha antara kedua belah pihak berdasarkan nisbah yang telah disepakati sebelumnya .Penelitian yang dilaksanakan, dapat disimpulkan bahwa  Pembagian Nisbah yang dilakukan oleh shahibul maal dengan mudharib dalam akad mudharabah di bank BNI syariah kantor cabang pembantu Boyolali dalam pendanaan (deposito) sudah sesuai dengan syariat islam serta pembagian Nisbah dalam akad mudharabah di Bank BNI Syariah Kantor Cabang Pembantu Boyolali tidak ditemukannya unsur yang mengandung Maisir, Gharar dan riba dalam pelaksanaan akad yang dilakukan antara perbankan syariah dengan nasabah. Akad dalam pelaksanaan perjanjian sudah diketahui dan disepakati diawal dari kedua belah pihak. Perjanjian tersebut telah sesuai dengan peraturan oleh DSN-MUI dan syariat islam.Abstract: Analysis of the distribution of the ratio in the Mudharabah agreement between Shahibul Mal and Mudharib in terms of legal and economic aspects of sharia at Bank Bni, Boyolali Sub-Branch Office, is in accordance with the regulations according to Islam. PT. Bank Negara Indonesia (BNI) Syariah is a company engaged in banking whose activities are to provide services to the community, both services and other banking products. BNI Syariah was formed independently through the Internal Project Team. The pattern used by PT. Bank Negara Indonesia (Persero) tbk. Sharia to enter into the Islamic banking market is a dual banking system. Mudharabah agreement is an agreement for financing or investing funds from the owner of funds (shahibul maal) to fund management (mudharib) to carry out certain business activities that are in accordance with sharia, with the sharing of business results between the two parties based on a ratio that has been previously agreed. It was concluded that the distribution of the ratio carried out by shahibul maal with mudharib in the mudharabah agreement at the BNI syariah bank Boyolali sub-branch office in funding (deposits) was in accordance with Islamic law and the distribution of the Nisbah in the mudharabah contract at Bank BNI Syariah Boyolali Sub-Branch Office was not found elements that containing Maisir, Gharar and usury in the implementation of the contract between Islamic banking and customers. The contract in the implementation of the agreement has been known and agreed upon at the beginning of both parties. The agreement is in accordance with the regulations by the DSN-MUI and Islamic law

Sinkronisasi Definisi Akad-Akad Kompilasi Hukum Ekonomi Syariah (KHES) Dan Peraturan Otoritas Jasa Keuangan (POJK) :Sengketa Ekonomi Syariah Di Pengadilan Agama Studi Perpustakaan di Pengadilan Agama Boyolali

ABSTRACT Sharia Financial Institution (LKS) is one of the sectors of Islamic economy that developed rapidly in the last few decades. This rapid development is not only driven by the worsening of the world's money economy system driven by the conventional system, but also by the religious spirit and pragmatic practical interests in developing the people's economy. Along with the development of LKS at this time of course can not be separated from the problems, one of them about the rules that regulate the LKS. There are two rules governing LKS namely the Financial Services Authority Regulation (POJK) and the Compilation of Islamic Economic Law (KHES). The formulation of this research problem discusses how the flow chart in the religious court, how the role of KHES against material law in the settlement of sharia economic dispute in the religious court, and how to settle if there is a difference of perception between POJK and KHES to dispute sharia economy that enter in religious court. This type of research is a type of juridical legal research empirical and using a qualitative method approach. The location of this research is in Boyolali Religious Court. Keyword: Synchronization, Regulation, Sharia Economic Dispute

Analisis Pembagian Nisbah Deposito Mudharabah Ditinjau Dari Aspek Hukum Dan Aspek Ekonomi Syariah Di Bank BNI Syariah Kantor Cabang Pembantu Boyolali

This research an analysis regarding the distribution of the ratio in the Mudharabah Agreement between shahibul maal and Mudharib in terms of legal and economic aspects of sharia carried out at BNI Bank, Boyolali Sub-branch Office. The method used in this research is a qualitative approach with data presentation in the form of word analysis. Sources of data in this study are documents and informants obtained from banks and customers. The sampling technique used in this study was purposive sampling. Data collection techniques with document analysis and interviews. Dalam pendanaan deposito shahibul mal (nasabah) hanya memberikan sejumlah uang kepada mudharib (bank BNI syariah) yang menjalankan usaha. Kemudian setiap bulan kedua belah pihak mendapatkan nisbah sesuai perjanjian di awal. Sedangkan dalam pembiayaan mudharabah, mudharib berkewajiban penuh untuk melaksanakan usahanya dan jika terjadi kerugian yang tidak disengaja maka kerugian sepuhnya ditanggung oleh shabibul mal. Dalam akad mudharabah yang terdapat pada bank BNI Syariah Kantor Cabang Pembantu Boyolali mengedepankan prinsip kepercayaan dan meminimalisir adanya riba, gharar dan maisir yang bertentangan dengan prinsip ekonomi syariah yang telah diatur dalam al Qur’an dan Hadis. Based on the results of the study, it can be concluded that the distribution of the ratio in the mudharabah agreement between shahibul maal and mudhari in terms of legal and sharia economic aspects at the Bank BNI Boyolali branch office in funding (deposits) is in accordance with Islamic law. Meanwhile, in financing it is still difficult to carry out according to the mudharabah agreement because Islamic banking is very selective in determining business financing. And in the BNI Syariah bank there are no indications of usury, gharar and maisir which violate the principles of sharia economics in accordance with the teachings of the Islamic religion and sunna. The results of this study can be used as a public reference in determining the use of the Bank. And provide a view to the public that in Islamic banking there is no indication of usury, gharar and maisir which are contrary to the teachings of the Islamic religion and the principles of Islamic economics. Keywords : ratio, mudharabah akad, bank BNI syaria