THE IMPLEMENTATION OF FINANCIAL AGREEMENT OF MUDHARABAH TO BANK NAGARI SYARIAH OF PADANG BRANCH
Abstract
A financial agreement of Mudharabah (return on asset) is one of a Syariah banking product. Where this institution did hold the interest system, thus avoiding the afraid feeling mudharib in getting return on asset was accompanied by interest. There were some problems discussed about mudharabah system in this research as follows : 1) how does the implementation of financial agreement of Mudharabah to Bank Nagari Syariah of Padang Branch, 2) what’s’ the obstacles found in the implementation of financial agreement of Mudharabah? 3) How to solve the problem if one party have dispute with the implementation of financial agreement of Mudharabah? Method of this research was judicial sociology which focuses to field data for getting primary data. Then, the researcher also used secondary data which consisted of law primary document and secondary. After all data have been collected, the researcher do a qualitative analysis, it is descriptive analysis without used statistical analysis and numeric. From the result of research can be summarized that the implementation of financial agreement of mudharabah, deposit of financial can be provided progressively or all at once thorough saving account of mudharib at Bank Nagari Syariah of Padang Branch. Some obstacles was found in the implementation of this system often had gridlock credit from mudharib. Some solutions was offered to one parties is allow him not to pay his credit by giving the extending time, easiness of interest in the form of decreasing his credit and held the sale of his warranty
Keywords : Agreement, Financial Mudharabah, Syariah
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