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Tinjauan Fatwa DSN MUI Nomor 43/DSN-MUI/VIII/2004 tentang Ganti Rugi (Ta’widh) Terhadap Penalty pada Pencairan Deposito Mudharabah Sebelum Jatuh Tempo di Bank Syariah Mandiri KCP Antapani Bandung

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dc.contributor Fakultas Syariah
dc.creator Alika, Biantary
dc.creator Malik, Zaini Abdul
dc.creator Bayuni, Eva Misfah
dc.date 2018-07-29
dc.date.accessioned 2019-01-22T06:32:12Z
dc.date.available 2019-01-22T06:32:12Z
dc.identifier http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/10452
dc.identifier.uri http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/10452
dc.description Abstract. Bank Syariah Mandiri KCP Antapani Bandung is one of the syariah banking issuing products Deposito Mudharabah. Deposits contain an element of maturity (maturity) is longer and can not be withdrawn at any time or every day. But in practice in BSM KCP Antapani there are still customers who dilute their deposit before maturity. When deposits are withdrawn prior to the due date, it will be fined. Based on the background of the problem then the problem formulation is as follows: First, how Fatwa DSN No. 43 / DSN-MUI / VIII / 2004 About Compensation (Ta'widh) in BSM KCP Antapani. Second, how the implementation of penalty on mudharabah deposit liquefaction in BSM KCP Antapani. Thirdly, how is the review of DSN MUI Fatwa No 43 / DSN-MUI / VIII / 2004 regarding Indemnification (Ta'widh) against Penalty on the disbursement of mudharabah deposit before maturity in BSM KCP Antapani. The research method used descriptive analysis method qualitatively. Sources of data used primary data is data obtained directly from the Bank through interviews on SFE (Syariah Funding Executive), Customer Service and Teller Bank Syariah Mandiri KCP Antapani Bandung. Based on the results of the research, the conclusions are obtained that: First, DSN No 43 / DSN-MUI / VIII / 2004 Regarding Indemnification (Ta'widh) allows the imposition of penalty on the disbursement of deposits before maturity, but with certain conditions. Secondly, on the execution of penalty on the disbursement of deposits before the anticipated BSM KCP Antapani maturity under the terms of the mudaraba contract agreement is in accordance with the mudaraba constituents. Thirdly, the review of the DSN MUI Fatwa No 43 / DSN-MUI / VIII / 2004 regarding Compensation (Ta'widh) regarding the nominal not recorded in the contract is also in accordance with the provisions of the DSN MUI Fatwa that the amount of compensation is not to be included in the contract. This explains that concerning the mechanism of the contract that is applied is in accordance with the terms of the contract.Keywords : Deposit, Indemnification, Penalty and Sharia Bank. Abstrak. Bank Syariah Mandiri KCP Antapani Bandung merupakan salah satu perbankan syariah yang mengeluarkan produk Deposito Mudharabah. Deposito mengandung unsur jangka waktu (jatuh tempo) lebih panjang dan tidak dapat ditarik setiap saat atau setiap hari. Namun pada praktiknya di BSM KCP Antapani masih ada saja nasabah yang mencairkan depositonya sebelum jatuh tempo. Bila deposito yang dicairkan sebelum tanggal jatuh tempo, maka akan dikenakan denda. Berdasarkan latar belakang masalah tersebut maka rumusan masalah adalah sebagai berikut: Pertama, bagaimana Fatwa DSN No 43/DSN-MUI/VIII/2004 Tentang Ganti Rugi (Ta’widh) di BSM KCP Antapani. Kedua, Bagaimana pelaksanaan penalty pada pencairan deposito mudharabahdi BSM KCP Antapani. Ketiga, bagaimana tinjauan Fatwa DSN MUI No 43/DSN-MUI/VIII/2004 Tentang Ganti Rugi (Ta’widh) terhadap Penalty pada pencairan deposito mudharabah sebelum jatuh tempo di BSM KCP Antapani. Metode penelitian yang digunakan metode deskriptif analisis secara kualitatif. Sumber data yang digunakan data primer yaitu data yang langsung diperoleh dari pihak Bank melalui wawancara pada SFE (Syaria Funding Executive), Customer Service dan Teller Bank Syariah Mandiri KCP Antapani Bandung. Berdasarkan hasil penelitian, kesimpulan yang diperoleh bahwa : pertama,Fatwa DSN No 43/DSN-MUI/VIII/2004 Tentang Ganti Rugi (Ta’widh) mengizinkan pelaksanaan denda (penalty) pada pencairan deposito sebelum jatuh tempo, namun dengan beberapa ketentuan. Kedua, pada  pelaksanaan penalty pada pencairan deposito sebelum jatuh tempodi BSM KCP Antapani berdasarkan rukun kontrak perjanjian mudharabah sudah sesuai dengan rukun-rukun mudharabah. Ketiga, tinjauan fatwa DSN MUI No 43/DSN-MUI/VIII/2004 Tentang Ganti Rugi (Ta’widh)mengenai nominal yang tidak di catat di dalam akad juga sudah sesuai dengan ketentuan Fatwa DSN MUI bahwa besarnya ganti rugi ini tidak boleh di cantumkan dalam akad. Hal ini menjelaskan yang menyangkut mekanisme akad yang di terapkan ini sudah sesuai dengan ketentuan akad.Kata Kunci : Deposito, Ganti Rugi, Penalty dan Bank Syariah.
dc.format application/pdf
dc.language eng
dc.publisher Prosiding Hukum Ekonomi Syariah
dc.publisher Prosiding Keuangan & Perbankan Syariah
dc.relation http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/10452/pdf
dc.rights Copyright (c) 2018 Prosiding Hukum Ekonomi Syariah
dc.source Prosiding Hukum Ekonomi Syariah; Vol 4, No 2, Prosiding Hukum Ekonomi Syariah (Agustus, 2018); 424-430
dc.source Prosiding Keuangan & Perbankan Syariah; Vol 4, No 2, Prosiding Hukum Ekonomi Syariah (Agustus, 2018); 424-430
dc.source 2460-2159
dc.subject Hukum Ekonomi Syariah
dc.subject Deposito, Ganti Rugi, Penalty dan Bank Syariah
dc.title Tinjauan Fatwa DSN MUI Nomor 43/DSN-MUI/VIII/2004 tentang Ganti Rugi (Ta’widh) Terhadap Penalty pada Pencairan Deposito Mudharabah Sebelum Jatuh Tempo di Bank Syariah Mandiri KCP Antapani Bandung
dc.type info:eu-repo/semantics/article
dc.type info:eu-repo/semantics/publishedVersion
dc.type Peer-reviewed Article
dc.type Kualitatif


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