Problematika Pembiayaan Mudhârabah di Perbankan Syariah Indonesia

Abstract

This article discusses the problems and solutions system sharing (mudhârabah) in the scheme of financing in Islamic banks. Islamic bank was originally constructed as a non-usurious bank with profit and loss sharing in all its operational mechanism. The author states that moral hazard of mudharib and the lack of human resource of Islamic bank are some factors which make the composition of fund canalization to the society giving more in the form of selling-buying (murâbahah) defrayal than attaching fund (mudhârabah). To optimize mudhârabah defrayal, the author offers some solutions such as the necessity of guarantee or fixed asset and determine the ratio of operational expense maximum and advantage sharing based on profit and loss sharing.