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October 2021
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Pelaksanaan Musyarakah di Bank Syariah Mandiri (Kajian Prinsip Keadilan dan Kepatuhan Syariah)

Judul: Pelaksanaan Musyarakah di Bank Syariah Mandiri (Kajian Prinsip Keadilan dan Kepatuhan Syariah)

Penulis: Dr. Sujian Suretno, MM

Tebal Halaman: xx + 301

Ukuran Buku: 15 cm x 22 cm

No. ISBN: 978-602-5668-57-9


Nama: Dr. Sujian Suretno, MM

Alamat: Bogor

Email: sujiansuretno@yahoo.com


Terjadinya kesenjangan ekspektasi kaum muslimin terhadap bank syariah masih sangat dirasakan. Hal itu tercermin dari sebuah pertanyaan yang sampai saat ini masih belum ditemukan jawaban pastinya. Pertanyaan itu adalah, “Apakah bank syariah itu pada praktiknya sama dengan bank konvensional?” Pertanyaan itu muncul karena dalam beberapa kasus, nasabah banyak menemukan kesamaan yang terjadi antara bank syariah dengan bank konvensional dalam praktik kerjasama pembiayaan. Kesimpulan sederhana ini wajar dirasakan oleh masyarakat, karena sebelumnya mereka telah terbiasa bekerjasama dengan bank konvensional dalam penyaluran kredit.

Pembiayaan merupakan salah satu kegiatan bank syariah, sebagai usaha untuk memperoleh laba. Namun demikian, rawan risiko yang tidak saja dapat merugikan bank, tetapi juga berakibat kepada masyarakat penyimpan dan pengguna dana. Oleh karena itu, bank harus menerapkan fungsi pengawasan yang bersifat menyeluruh, dengan tiga prinsip utama, yaitu: prinsip pencegahan dini, prinsip pengawasan melekat, dan prinsip pemeriksaan internal.

Produk mushārakah merupakan konsep kerjasama kemitraan dalam pembiayaan bagi hasil yang saling menguntungkan. Seharusnya, akad-akad pembiayaan yang bersifat produktif seperti mushārakah dan muḍārabah ini lebih diminati oleh masyarakat ketimbang akad-akad yang bersifat konsumtif seperti murābaḥah dan yang lainnya. Pembiayaan mushārakah memberikan benefit yang signifikan terhadap pengembangan UMKM, dapat meningkatkan taraf hidup dan ekonomi masyarakat.Melalui buku ini, penulis menegaskan bahwa prinsip keadilan dan kepatuhan syariah pada produk mushārakah sangat penting untuk diteliti dan dikaji, mengingat banyaknya permasalahan yang terjadi dan harus dipecahkan. Permasalahan-permasalahan tersebut  mengerucut pada prinsip keadilan dalam ekonomi Islam dan konsep serta implementasi kepatuhan syariah pada produk mushārakah.  


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