113287291STUDI KASUS PRODUK PERBANKAN SYARIAH No
KASUS
.
1.
Seor Seoran angg peng pengu ua! a!aa "e#p "e#pee $ng$n $ng$n #eng #enge#% e#%an ang& g&an an ua ua!a !an' n'aa ($ (aera! )a$n. Se%ag$an #o(a) "e)a! $a #$)$&$* "ap$ #a$! %e)u# %$a %eropera$ &arena %e)u# +u&up +u&up un"u& #e#%e)$ #e$n pengg$)$ng &e(e)a$. Ia (a"$ng &e %an& an(a* #enga,u&an per#o!onan p$n,a#an.
2.
A&a( apa 'ang an(a "a-ar&an Seor Seoran angg #an" #an"an an ppe( e(ag agan angg #en( #en(a" a"an ang$ g$ %an %an&& an(a an(a ((an an #e# #e#o! o!on on pe#%$a'aan un"u& %er,ua)an %arang/%arang %arang/%arang &e)on"ong. Ber(aar&an Ber(aar&an penga)a#ann'a %er(agang* $a (apa" (apa" #e#pre($&$ %a!-a "urn/o0er "urn/o0er %arang &e)on"ongan ($ e&$"ar "e#pa" "$ngga)n'a anga" po"en$a). Ia #e#per&$ra&an #o(a) a&an &e#%a)$ (a)a# a"u "a!un. Pro(u& apa
3.
'ang an(a "a-ar&an Seor Seoran angg pegapega-a$ a$ nege neger$ r$ #eng #enga,u a,u&a &ann per#o per#o!o !ona nann un"u& un"u& ren reno0 o0a a$$
.
ru#a!n'a "$pe 3. Pro(u& apa 'ang an(a "a-ar&an " a-ar&an Seor Seoran angg "u&a "u&ang ng %e+ %e+a& a& $ng$ $ng$nn #e#p #e#per ero) o)e! e! p$n p$n,a ,a#a #ann un"u un"u&& #e#$ #e#$)$& )$&$$
.
%e+a&. Pro(u& apa 'ang +o+o& +o+o& un"u& pe#%$a'aan e#a+a# $n$ Seor Seoran angg pepe pepe(a (aga gang ng %a& %a&o o &e) &e)$) $)$n $ngg 'ang 'ang u& u&e e %er %er#a #a& &u( u( a&a a&ann #en'e-a e%ua! "oo& un"u& ($,a($&an -arung %a&o. Tern'a"a Tern'a"a $a #e#$)$&$ "a%ungan 'ang !an'a +u&up un"u& #e#%e)$ %a!an (an pera)a"an e(ang&an un"u& e-a e-a "oo& $a %er#a&u( #e#o!on #e#o!on p$n,a#an (ar$ %an& an(a. Se%aga$ Se%aga$ "a#%a!an $n4or#a$* (e0e)oper "o&o $"u #e#%er$&an op$ &epa(an'a un"u& #e#%e)$ "o&o $"u ,$&a $a
.
u(a! #a#pu. Pro(u& apa 'ang #enuru" an(a eua$ Seor Seoran angg &on" &on"ra ra&" &"or or ,a) ,a)an an #en #en(a (a"a "ang ng$$ an(a an(a (an (an #eng #eng&o &on4 n4$r# $r#a a$$ %a!-a "en(er pe#%ua"an ,a)an pro0$n$ pro0$n$ epan,ang 25 "e)a! ($#enang&ann'a. IA $ng$n #en(apa"&an pe#%$a'aan (ar$ an(a un"u& #o(a) pe#%ua"an ,a)an "ere%u". A&a( apa 'ang an(a
7.
"a-ar&an Se%u Se%ua! a! per peru ua! a!aa aann BU6N BU6N 'an 'angg #en'$ #en'$$ $!& !&an an 2* 2* &eun &eun"u "ung ngan ann' n'aa $ng$n #en'a)ur&an &eun"ungan $"u )e-a" %an& an(a* "ap$ (engan 'ara" un"u& ua!a &e+$) (an #o(a) $u !aru %ergu)$r. %ergu)$r. A&a( apa 'ang
8.
an(a 4$&$r&an Para Para $%u $%u ($ ($ e&$ e&$"a "arr peru peru#a #a!a !ann an(a an(a #en #en(a (a"a "ang ng$$ an(a an(a ($ ($ %an& %an& (an (an #enge)u!&an &e"$a(aan %$a'a un"u& uang #au& &u)$a! ana&/ana& #ere&a 'ang %aru ($ un$0er$"a #a$ng/#a$ng. 6enuru" an(a #ere&a #a#pu #e#%a'ar (a)a# ,ang&a -a&"u 3/ %u)an (an
PRODUK
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#ere&a #e#$)$&$ %er%aga$ $#panan %arang %er!arga 'ang (apa" 9.
($,a#$n&an. Pro(u& apa 'ang an(a "a-ar&an Seoran Seorangg pro(u pro(uer er pro(u+ pro(u+"$o "$onn !ou !oue e #enga, #enga,u&a u&ann pe#%$a pe#%$a'aa 'aann un"u& un"u& #e#%ua" $ne"ron "en"ang "o&o! pe,uang ($ (aera! an(a "$ngga). S$ne"ron $"u "enga! ($"a-ar&an &epa(a e%ua! "a$un "e)e0$$ (an &ee#pa"an un"u& ($"er$#a #a$! e"enga!n'a. Pro(u& apa 'ang
15. 15.
an(a "a-ar&an Se%ua! Se%ua! (epa (epar"e r"e#en #en pe#e pe#er$n r$n"a! "a! $ng$ $ng$nn #e#%a #e#%an"u n"u pe"a pe"an$ n$ (enga (engann +ara +ara #en'e($a&an &re($" #ura! un"u& per"an$an (an per&e%unan. A&a( apa 'ang an(a "a-ar&an agar (apa" #e)$%a"&an "$ga p$!a&
(epar"e#en "ere%u"* pe"an$ (an %an& an(a
9. Mudharabah
a(a)a! %en"u& &er,a a#a an"ara (ua a"au )e%$! p$!a& ($ #ana pe#$)$& #o(a) shahibul amal : #e#per+a'a&an e,u#)a! #o(a) &epa(a penge)o)a mudharib: (engan ua"u per,an,$an ($ a-a). Ben"u& $n$ #enega&an &er,a a#a (engan &on"r$%u$ era"u peren #o(a) (ar$ pe#$)$& #o(a) (an &ea!)$an (ar$ penge)o)a. Trana& rana&$$ ,en$ ,en$ $n$ "$(a& "$(a& #e-a,$% #e-a,$%&an &an a(an'a a(an'a -a&$) -a&$) (ar$ (ar$ shahibul maal (a)a# (a)a# #ana,e#en pro'e&. Se%aga$ orang &eper+a'aan* mudharib !aru %er"$n(a& !a"$/!a"$ (an %er"anggung ,a-a% a"a &erug$an 'ang "er,a($ a&$%a" &e)a)a$an (an "u,uan penggunaan #o(a) un"u& ua!a !a)a). Se(ang&an* shahibul maal ($!arap&an ($!arap&an un"u& #enge)o)a #o(a) (engan +ara "er"en"u un"u& #en+$p"a&an )a%a 'ang
op"$#a). Tipe mudharabah
6u(!ara%a! 6u")a;a!< D$#ana !a!$%u) #aa) #e#%er$&an &e)e)uaaan penu! &epa(a penge)o)a #u(! #u(!ar$% ar$%:: un"u& un"u& #e#per #e#pergun guna&a a&ann (an (anaa "ere%u "ere%u"" (a)a# (a)a# ua!a ua!a 'an 'angg ($angg ($anggapn apn'a 'a %a$& %a$& (an #engun"ung&an. Na#un penge)o)a "e"ap %er"anggung ,a-a% un"u& #e)a&u&an penge)o)aan eua$ (engan pra&"$& &e%$aaan ua!a nor#a) 'ang e!a" uru4:
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6u(!ara%a! 6u;a''a(a!< D$#ana pe#$)$& (ana #enen"u&an 'ara" (an pe#%a"aan &epa(a penge)o)a (a)a# penggunaan (ana "ere%u" (engan ,ang&a -a&"u* "e#pa"* ,en$ ua!a (an e%aga$n'a.
Landasan Hukum Mudharabah
G@ \ ] = ]> ^ f@ @ @ XhC i >i j Cj dC f > ?@ > C @ > G F@G G> JC > L@ M M G@ C Q@ > JC _C @ ` > _@ c d @ J ?b _ > V @W XC L @ Z LZ @ [>
kApa%$)a "e)a! ($"una$&an !a)a"* #a&a %er"e%aran)a! &a#u ($ #u&a %u#$ (an +ar$)a! &arun$a A))a! (an $nga")a! A))a! %an'a&/%an'a& upa'a upa'a &a#u %erun"ung.kl.S A)/,u#uma!<15:
Dar$ S!a)$! %$n S!u!a$% r.a. %a!-a Rau)u))a! a-. Bera%(a* T$ga !a) 'ang ($ (a)a#n'a "er(apa" "er(apa" &e% &e%er& er&a"an a"an < ,ua) ,ua) %e)$ %e)$ e+ara e+ara "anggu "anggu!* !* #u;ara( #u;ara(!a! !a! #u(!a #u(!ara% ra%a!: a!:** (an #en+a#p #en+a#pur ur gan(u# (engan "epung un"u& &eper)uan ru#a!* %u&an un"u& ($,ua). HR I%nu 6a,a! no. 2285* &$"a% a"/T$,ara!:
Sifa Uama Mudharabah
a. Ber( Ber(a aar ar&a &ann pr$n pr$n$ $pp %ag$ !a$) (an !a$) (an %er%ag$ r$$&o
Keun"ungan ($%ag$ %er(aar&an &eepa&a"an &e(ua %e)a! p$!a&
n$%a! 'ang "e)a! ($epa&a"$ e%e)u#n'a
Kerug$an 4$nan$a) #en,a($ %e%an pe#$)$& (ana e(ang&an penge)o)a "$(a& #e#pero)e! $#%a)an a"a ua!a 'ang "e)a! ($)a&u&an.
%. Pe#$)$& (ana "$(a& ($per%o)e!&an #en+a#pur$ penge)o)aan penge)o)aan %$n$ e!ar$/!ar$ 6u(!ara%a! ($)a&u&an o)e! (ua orang 'ang #e#pun'a$ #a&u( 'ang a#a "e"ap$ &apa$"a 'ang %er%e(a* an"ara )a$n <
Pe#$)$& #o(a) 'ang "$(a& (apa" #enge)o)a #o(a)n'a a"au "$(a& #e#$)$&$ -a&"u un"u&
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Orang 'ang "$(a& #e#$)$&$ #o(a) "e"ap$ #e#pun'a$ &ea!)$an (a)a# #enge)o)a #o(a) e!$ngga (apa" #enga!$)&an &eun"ungan 'ang nan"$n'a a&an ($%ag$ !a$) eua$ a&a(per,an,$an a-a).
.
!". Mus#arakah
a(a)a! a&a( &er,aa#a an"ara &e(ua %e)a! p$!a& a"au &e#ung&$nan )e%$! un"u& ua"u ua!a "er"en"u ($#ana #a$ng/#a$ng p$!a& a&an #e#%er$&an &on"r$%u$ (ana a"au %$aa ($e%u" eqper"$e* (engan #e#$)$&$ &eepa&a"an %a!-a &eun"ungan (an re$&o re $&o a&an ($"anggung o)e! %era#a. (a)a# per%an&an I)a# anga" ($pa!a# e%aga$ ua"u %ag$an &er,aa#a a"au #e&an$#e 'ang (apa" #en'a"u&an &er,a (an #o(a) un"u& e%ua! pro(u&$ %arang #aupun ,aa. Ten"un'a Ten"un'a pro(u&$ "ere%u" %$a %er#an4aa" %ag$ #a'ara&a" %an'a& (an ,uga ($r$ en($r$* a#a !a)n'a (engan a&a( #u(!ara%a!. Tipe Mus#arakah
Syirkah Al-Inan #e#$)$&$ ar"$ ($#ana a(a (ua p$!a& a"au )e%$! #e#%er$&an pen'er"aan
#o(a)n'a (engan por$ 'ang %er%e(a* #a&a (engan %ag$ !a$) &eun"ungan 'ang ($epa&a"$ %era#a (an &erug$an 'ang ($(er$"a a&an ($ "anggung "anggung eua$ (engan %earn'a por$ #o(a)n'a #a$ng/#a$ng. Se!$ngga e%ag$an orang +en(erung #e#$)$! ,en$ a&a( $n$* &arena )e%$! a#an (an #en,an,$&an. A"aupun %ag$ #ere&a 'ang "$(a& #e#$)$&$ #o(a) (an (ana "er)a)u %ear. Syirkah Al-Mufawadah (a)a# a&a( $n$* e"$ap #$"ra !aru #en'er"a&an #o(a) 'ang a#a
n$)a$n'a un"u& #en(apa"&an pro4$" 'ang eua$ (engan #o(a)n'a. Beg$"upun ,$&a #enga)a#$ &erug$an (an !aru #enanggung %era#a eua$ #o(a). Para U)a#a (ar$ 6a!a% Hana4$ #en'a"a&an %a!-a e"$ap par"ner a)$ng #en,a#$n un"u& garan$ %ag$ par"ner )a$nn'a. Syirkah Mudharabah a(a)a! '$r&a! (ua p$!a& a"au )e%$! (engan &e"en"uan* a"u p$!a&
#en,a)an&an &er,a a#a): e(ang&an p$!a& )a$n #enge)uar&an #o(a) #a):. An/Na%!an$*
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e%aga$ pe#o(a) #e#%er$&an #o(a)n'a e%an'a& R6 155 r$%u &epa(a A%u A%a 'ang %er"$n(a& e%aga$ penge)o)a #o(a) (a)a# paara'a $&an. Syirkah wujuh a(a)a! '$r&a! an"ara an"ar a 2 p$!a& #$a)n'a A (an B: 'ang a#a/a#a #e)a&u&an
&er,a a#a):* (engan p$!a& &e"$ga #$a)n'a : 'ang #enge)uar&an #o(a) #a):. Da)a# !a) $n$* p$!a& A (an B a(a)a! "o&o! #a'ara&a". Syirkah mufawadhah a(a)a! '$r&a! an"ara 2 p$!a& a"au )e%$! 'ang #engga%ung&an e#ua
,en$ '$r&a! ($ a"a '$r&a! $nan* va%(an* #u(!ara%a! (an -u,u!:. -u,u!:. Syirkah Al Milk #engan(ung #engan(ung ar"$ &epe#$)$&an %era#a +o/o-ner!$p: 'ang &e%era(aann'a
#un+u) apa%$)a (ua orang a"au )e%$! #e#pero)e! &epe#$)$&an %era#a ,o$n" o-ner!$p: a"au ua"u &e&a'aan ae":. 6$a)n'a* (ua orang a"au )e%$! #ener$#a -ar$an!$%a!-a$a" e%$(ang "ana! a"au !ar"a &e&a'aan a"au perua!aan %a$& 'ang (apa" ($%ag$ a"au "$(a& (apa" ($%ag$/%ag$. Landasan Hukum Mus#arakah
“… maka mereka berserikat pada sepertiga….” $.S. An%Nisa&!':
“Dan sesungguhnya kebanyakan dari rang- rang yang berserikat itu sebagian dari mereka berbuat d!alim kepada sebagian yang lain" ke#uali rang yang beriman dan mengerjakan amal saleh dan amat sedikitlah mereka ini$$ $S. Shaad ()*+&', :.
Dari abu hurairah %asulullah %asulullah saw bersabda" sesungguhnya sesungguhnya Allah a!!a wa jallah berfirman “aku adalah pihak ketiga dari dua rang yang berserika t selama salah satu tidak ada yang menghianati pihak yang lain. &ika salah satu pihak telah berkhianat" Aku keluar dari HR Abu Daud Daud mereka” ' (.
Sifa Uama Mus#arakah
a. S'ara" A&a( S'ara" %er)a&un'a a&a(* S'ara" a!n'a a&a(* S'ara" "erea)$a$&ann'a a&a(* S'ara" wa$##
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Propor$ &eun"ungan 'ang "e)a! ($%ag$&an &epa(a para p$!a& "er&a$" ua!a !aru)a! ($epa&a"$ e,a& a-a) &on"ra& a"au a&a(. s$&a propor$ %e)u# ($"e"ap&an #a&a a&a( "$(a& a! #enuru" 'ar$a! (an %er(oa Ra$o a"au n$%a! &eun"ungan un"u& #a$ng/#a$ng p$!a& ua!a #e#ang u(a! ($"e"ap&an e,a& a-a) (an "$(a& %er(aar&an (ar$ #o(a) 'ang ($er"a&an. T$(a& ($per%o)e!&an un"u& #ene"ap&an )u#u# un"u& par"ner "er"en"u e#uan'a !aru a($). T$ng&a" &eun"ungan &eun"ungan "er"en"u "$(a& %o)e! ($&a$"&an (engan #o(a) $n0e"a$n'a. +. Penen" Penen"uan uan Propor Propor$ $ Keun"u Keun"unga ngann I#a# #a)$& (an I#a# S'a4$mI %erpen(apa" %a!-a propor$ &eun"ungan ($%ag$ ($ an"ara #ere&a ($#ana e%e)u#n'a #enuru" &eepa&a"an 'ang "e)a! ($"en"u&an e%e)u#n'a aa" a&a( (an ($eua$&an (engan propor$ #o(a) 'ang ($er"a&an. d.
Pe#%ag$an Kerug$an Da)a# a"urann'a para #$"ra !aru $ap #enanggung &erug$an eua$ #o(a) (an (ana 'ang u(a! ($$n0e"a$&an (a)a# ua!a "ere%u".
e. S$4a" #o #o(a) #o(a) 'ang ($$n0e"a$&an o)e! e"$ap #$"ra !aru (a)a# %en"u& #o(a) )$&u$( %u&an %arang. 4. 6ana 6ana,e ,e#e #enn 6u' 6u'ar ara& a&a! a! e"$ap #$"ra %$a #e#$)$&$ !a& un"u& $&u" er"a (a)a# #ana,e#en (an %e&er,a un"u& ua!a pa"ungan $n$. Te"ap$* Te"ap$* para #$"ra (apa" ,uga epa&a" %a!-a #ana,e#en perua!aan a&an ($)a&u&an o)e! a)a! a"u (ar$ #ere&a* (an #$"ra )a$n "$(a& a&an #en,a($ %ag$an #ana,e#en (ar$ #u'ara&a! "ere%u". g. Peng Peng!e !en" n"$a $ann 6u 6u'a 'ara ra&a! &a! s$&a a)a! a"u p$!a& a"au #$"ra #en$ngga)* #a&a #u'ara&a! %$a %er,a)an (an
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s$&a e"$ap #$"ra #e#$)$&$ !a& un"u& #enga&!$r$ #u'ara&a! &apan a,a e"e)a! #en'a#pa$&an pe#%er$"a!uan &epa(a #$"ra )a$n #engena$ !a) $n$.