Analisis Akad Mudharabah di Perbankan Syariah

Abstract

This study tried  to  see  mudharabah  practices  by  Islamic banks, whether
the implementation  and practice  mudharabah  is in accordance with  Islamic
Shari'a. In this study  also  described  the practice of  gift-giving  in early  when
customers  deposit  funds  in Islamic banks. Practices  carried out  by the  Islamic
Bank  raises  a lot of  criticism from  people who think  that  Islamic banks  are not
different from conventional banks, only  the title  that  sharia. The study was
conducted  with descriptive methods,  compare  theory  derived  from the study of
literature  with the practice  in the field. The study found  there are many  Islamic
banking  practices  in the implementation of  mudharabah,  particularly in terms of
capital ownership  status  and responsibility  to bear  the risk  violate  what  is
outlined in the  Shariah. In  terms of  gift-giving  at the beginning, it was found  that
the gift  made  Islamic banks  with  a specific purpose,  grant  can not be  justified  in
Shari’a.