Jaminan dalam Transaksi Akad Mudharabah pada Perbankan Syariah

Abstract

Classic Muslim scholars disaffirm collateral provisions in mudaraba financing, arguing that mudaraba is supposed to be based on mutual co-operation and confidence. Alas, in order to avert fraudulent claims, ijtihad istihsan reasoning is employed, hence burdening mudarib with collateral provision pursuant to Bank Indonesia Regulation and National Sharia Council’s fatwas. Ulama klasik berpendapat bahwa lembaga jaminan dalam transaksi mudharabah tidaklah diperlukan karena transaksi ini didasarkan atas sikap saling membutuhkan dan saling percaya. Namun demi menghindari praktik-praktik curang, dewasa ini metode interpretasi ijtihad istihsan digunakan sehingga mudharib dibebani dengan jaminan sesuai dengan Peraturan Bank Indonesia dan fatwa Dewan Syariah Nasional.

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