MUDHARABAH FINANCING IN ISLAMIC BANK

Islamic banking finance economy

by islamicbankingfinanceeconomy.blogspot.com

MUDHARABAH FINANCING IN ISLAMIC BANK

Financing is a financing agreement between the Islamic bank as shahibul maal and customers as mudharib to melakasanakan business activities, in which Islamic banks provide 100% capital and customers run their business. The results of financing efforts will be divided up between Islamic banks and customers with revenue sharing has been agreed upon contract. In of financing, there are two parties to implement the cooperation agreement are:

Islamic banks

Islamic bank funds to finance menyediaka ptoyek or businesses that need financing. Islamic bank funds 100% menyedikan called shahibul maal.

Customer

Customers who need capital and carry out a project or venture financed by Islamic banks. Customer's business manager which financed 100% by Islamic banks in mudharabah called mudharib.

Islamic banks providing of financing to customers based on trust. Bank syarih full confidence to customers to do business. Trust is the most important element in the transaction of financing, due to the mudaraba financing, Islamic banks do not intervene in implementing projects which have been given a customer's business capital 100%. Islamic banks can only provide certain advice to mudharib in the operations to obtain optimal results. In terms of management of the customer managed to get a profit, then the Islamic bank will benefit from the results diterima.sebaliknya, in case the customer fails to conduct its business and result in a loss, the entire loss is borne by shahibul maal. Mudharib not bear the loss equally sekalai or there is no obligation for mudharib to bear losses on the failure of efforts for business failure.

The cornerstone of sharia

Yet many of those who beserikat that some of them do wrong to others except those who believe and do righteous deeds. (Surah Sad: 24)