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Analisis Jaminan pada Pembiayaan Mudarabah dalam Perspektif Maqasid al-Syari'ah

Al-Manahij: Jurnal Kajian Hukum Islam · Vol. 13 No. 2 (2019) · pp. 217–227

DOI
10.24090/mnh.v13i2.1679
ISSN
2579-4167, 1978-6670
Published
2019-11-28
Publisher
Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto
Language
eng

Abstract

This paper analyzes the concept of muḍārabah as the main product in sharia banking, where the financing product should be excellent in its marketing. However, muḍārabah financing products are often faced with complicated portfolios and low market shares because they are indicated by high levels of financial risk. To bridge this, collateral is one of the tools used by the Sharia Bank in order to minimize these risks. This type of research is literature with a qualitative-explorative descriptive approach. The results showed that the collateral in muḍārabah financing functions as a Shariah Bank intervention tool to create benefits for creditors and debtors in the event of default in their business, also to avoid moral hazard activities and asymmetric information.

Keywords

Collaboration network of the authors

12 authors · 26 co-authorship links

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Co-authorOrganisationJoint articles
Reni FurwantiAffiliation unknown2
Hardiyono HardiyonoAffiliation unknown1
Reni FurwantiAffiliation unknown1
Hardiyono HardiyonoAffiliation unknown1
Dini Maulana LestariAffiliation unknown1
Fitri UtamiAffiliation unknown1
Khaerusoalikhin KhaerusoalikhinAffiliation unknown1
Hadri KusumaAffiliation unknown1
SunaryatiAffiliation unknown1
Dini MaulanaAffiliation unknown1
Raden Roro Fosa SarassinaAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://ejournal.uinsaizu.ac.id/index.php/almanahij/oai, first harvested 8 Nov 2026, last seen 8 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en">Analisis Jaminan pada Pembiayaan Mudarabah dalam Perspektif Maqasid al-Syari'ah</dc:title>
	<dc:creator xml:lang="en">Lestari, Dini Maulana</dc:creator>
	<dc:subject xml:lang="en">collateral;</dc:subject>
	<dc:subject xml:lang="en">muḍāraba;</dc:subject>
	<dc:subject xml:lang="en">portfolio;</dc:subject>
	<dc:subject xml:lang="en">risk;</dc:subject>
	<dc:subject xml:lang="en">maqāṣid al-syarī‘ah</dc:subject>
	<dc:description xml:lang="en">This paper analyzes the concept of muḍārabah as the main product in sharia banking, where the financing product should be excellent in its marketing. However, muḍārabah financing products are often faced with complicated portfolios and low market shares because they are indicated by high levels of financial risk. To bridge this, collateral is one of the tools used by the Sharia Bank in order to minimize these risks. This type of research is literature with a qualitative-explorative descriptive approach. The results showed that the collateral in muḍārabah financing functions as a Shariah Bank intervention tool to create benefits for creditors and debtors in the event of default in their business, also to avoid moral hazard activities and asymmetric information.</dc:description>
	<dc:publisher xml:lang="en">Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto</dc:publisher>
	<dc:date>2019-11-28</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://ejournal.uinsaizu.ac.id/index.php/almanahij/article/view/1679</dc:identifier>
	<dc:identifier>10.24090/mnh.v13i2.1679</dc:identifier>
	<dc:source xml:lang="en">Al-Manahij: Jurnal Kajian Hukum Islam; Vol. 13 No. 2 (2019); 217-227</dc:source>
	<dc:source>2579-4167</dc:source>
	<dc:source>1978-6670</dc:source>
	<dc:source>10.24090/mnh.v13i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://ejournal.uinsaizu.ac.id/index.php/almanahij/article/view/1679/1905</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2019 Dini Maulana Lestari</dc:rights>
</oai_dc:dc>