MANAJEMEN RESIKO PEMBIAYAAN MUDHARABAH PADA PERBANKAN SYARIAH (STUDI KASUS BANK MUAMALAT CABANG SURABAYA)

Abstract

Banking is an institution that carries out three main functions, namely
receiving money deposits, lending money, and money transfer services. In the
economic history of the Muslims, bank functions have been known since the time of the
Prophet Muhammad. These functions are receiving assets, lending money for
consumption purposes and for business purposes, as well as sending money.
Definition of banks according to the Banking Act No. 10 of 1998 is a business entity
that collects funds from the public in the form of deposits and distributes to the public
in the form of credit and / or other forms in order to improve the lives of many people.
While the Islamic Bank is a bank that operates with sharia principles, which refers to
the Qur'an and the Hadith of the Prophet 2, meaning that the Islamic Bank is
operationally and theoretically following the Sharia provisions contained in the
Qur'an 'an and the Hadith of the Prophet, namely the procedures for Islamic worship.
Risk management in mudharabah financing at Bank Muamalat Indonesia Surabaya
Branch is an effort to minimize the risks that occur, both at the pre-contract and postcontract
stages. Pre-contract mitigation is carried out by complying with the
applicable Standard Operational Procedures and other regulations established by
internal banks and external banks, rigorously selecting candidates for mudharib, and
analyzing the feasibility of prospective mudharib businesses. While post-contract risk
mitigation by periodically monitoring the condition of mudarib business and fostering
mudharib business