Indeks Transparansi Mudharib: Upaya Menurunkan Resiko Pembiayaan Mudharabah

Abstract

Seluruh kegiatan yang dilakukan oleh bank Syariah harus berdasarkan kepada prinsip-prinsip Syariah. Untuk itu, bank Syariah harus mendorong kegiatan  ekonomi riil melalui pembiayaan mudharabah.  Namun demikian, bank Syariah memiliki kendala-kendala dalam memberikan pembiayaan mudharabah kepada nasabah. Oleh karenanya, penelitian ini dilakukan untuk menawarkan Indeks Transparansi Mudharib sehingga diharapkan dapat menurunkan resiko pembiayaan mudharabah.

All operations of Islamic bank must be based on the Islamic principles. Thus, the Islamic bank has to promote the riel economic activities through mudharabah transactions. However, in real practices, the Islamic bank has difficulties to serve the customers under mudharabah contract. The main problem faced by the Islamic bank on mudharabah contract is the asymmetric information on the operations of customer whom financed under mudharabah contract. Therefore, this study creates a transparent index of mudharib to reduce the risk of the mudharabah contract.