ASAS IKHITYATI PADA AKAD PEMBIAYAAN MUDHARABAH DI LINGKUNGAN PERBANKAN SYARIAH
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Agreement in Arabic termed Mu'ahadah Ittfa, or Contract. In the language of Indonesia known by contract, agreement or approval meaning is an act where one or more binditself against someone else or more. Equivalent of the word Agreement in Arabic is aqad. In terms of jurisprudence in general contract means something into someone's determination to carry out, both emerging from one party such as endowments, divorce, and the oath, as well as emerging from the two parties such as sale and purchase, rent, wakalah and pawn. On the basis of Islamic banking environment there are ikhiyati where this principle should be applied on the mudharabah financing contract. Basic Ikhtiyati/prudence had the meaning that each contract is done with careful consideration and implemented appropriately and carefully. The implementation of the principle of mudharabah financing contract on ikhtiyati requires the analysis of pembiyaan before the financing approved by the syariah bank, if the customer (mudharib) violate these restrictions, then the mudharib should be responsible in case of loss.
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Buku
Abdul Ghofur Anshori, Perbankan Syariah Di Indonesia (Gadjah Mada University Press 2007).
Adiwarman A. Karim, Bank Islam: Analisis Fiqih Dan Keuangan (Raja Grafindo Persada 2007).
Burhanuddin S., Hukum Kontrak Syariah (BPFE 2009).
Dewan Syariah Nasional Majelis Ulama Indonesia, Himpunan Fatwa Dewan Syariah Nasional MUI (Gaung Persada Press 2006).
Hirsanuddin, Hukum Perbankan Syariah Di Indonesia (Genta Press 2008).
M. Quraish Shihab, Tafisr Al-Mishbah, Pesan, Kesan Dan Keserasian Al-Quran (Volume I, Lentera Hati 2000).
Muhammad, Tehnik Perhitungan Bagi Hasil Di Bank Syariah (UII Press 2002).
Muhammad Syafii Antonio, Bank Syariah: Suatu Pengenalan Umum (Tazkia Institute 2000).
Muhammad Syafii Antonio, Bank Syari'ah Dari Teori Ke Praktik (Gema Insani Press 2001).
Muhammad ufuqul Mubin,[et.,al.], Islamic Banking and Interest A Study of The Prohibition of Riba and Its Contempory Interpretation, Diterjemahkan Dalam Buku Bank Islam Dan Bunga Studi Kritis Larangan RIba Dan Interprestasi Kontemporer (Pustaka Pelajar 2003).
Ricardo Simanjuntak, Tehnik Perancangan Kontrak Bisnis (Gramedia Pustaka Utama 2006).
Salahudin Ahmed, Islamic Banking Finance and Insurance (ASNoordeen 2009).
Sutan Remi Syahdeni, Perbankan Islam Dan Kedudukannya Dalam Tata Hukum Perbankan Indonesia (Pustaka Utama Grafiti 1999).
Sutarno, Aspek-Aspek Hukum Perkreditan Pada Bank (Alfabeta 2004).
Syafrudin Arif Marah Manunggal, Abraham L.Udovitch, Profit and Partnership in Medieval Islam, Diterjemahkan Dalam Buku Kerjasama Syariah Dan Bagi Untung Rugi Dalam Sejarah Islam Abad Pertengahan ( Teori Dan Penerapannya) (Qubah 2008).
Jurnal
Abd. Shomad, ‘Membincang Riba dan Akad di Bank Syariah' (2004) 19 Yuridika.
Abdurrahman, ‘Hukum Perjanjian Syariah Di Indonesia: (Studi Komparatif Tentang KHES, Fikih Muamalat, Dan KUHPerdata Dalam Mimbar Hukum' (2008) 66 Journal of Islamic Law.
Tri Sadini P. Usanti, ‘Penanganan Pembiayaan Bermasalah di Bank Syariah' (2004) 19 Yuridika..
Trisadini Prasastinah Usanti dan Shomad, ‘Reconstruction of Financing Agreement Based on The Principle of Profit and Loss in Sharia Banking' (2016) 2 Journal Hasanuddin Law Review.
Trisadini Prasastinah Usanti, ‘Akad Baku Pada Pembiayaan Murabahah Di Bank Syariah' (2013) XVI Jurnal Perspektif Hukum.
Laman
Muhammad Arifin Badri, ‘Diskusi Perbankan Syariah (Bag. 2)' (Komunitas Pengusaha Muslim Indonesia, 2009) 1 <http://pengusahamuslim.com/1410-diskusi-perbankan-syariah-bag-2.html> accessed 18 September 2016.
Perundang-undangan
Undang-Undang Nomor 21 Tahun 2008 Tentang Perbankan Syariah (Lembaran Negara Tahun 2008 Nomor 94, Tambahan Lembaran Negara Nomor 4867, Tambahan Lembaran Negara Republik Indonesia Nomor 4867).
Peraturan Bank Indonesia Nomor 9/9/PBI/2007 Tentang Perubahan atas Peraturan Bank Indonesia Nomor 8/21/PBI/2006 Tentang Penilaian Kualitas Aktiva Bank Umum Yang Berdasarkan Kegiatan Usaha Berdasarkan Prinsip Syariah.
