APPLICATION OF FINANCING RISK MANAGEMENT IN MUDHARABAH CONTRACTS IN SHARIA BANKING TO ENSURE SHARIA COMPLIANCE IN THE PERSPECTIVE OF ISLAMIC LAW

Dwy Arnanda Sihombing, Dwi Syahputra, Dwy Arnanda Sihombing, Putri Amanda, Siti Juniar, Trisnawati Trisnawati

Abstract


This study aims to analyze the determination of financing risk management in mudharabah contracts in Islamic banking in ensuring sharia compliance based on the perspective of Islamic law. The method used in this study is a qualitative method with a descriptive-analytical approach. The data was collected through in-depth interviews with Islamic banking practitioners, Islamic law experts, as well as literature studies from fiqh books, DSN-MUI fatwas, and Islamic banking regulations applicable in Indonesia. The results of the study show that the application of risk management in mudharabah contracts involves identifying, analyzing, mitigating, and evaluating potential risks, such as moral hazard risks, unclear profit sharing ratios, and defaults. The principles of sharia compliance implemented include justice ('adl), transparency (tabayyun), and trust which are the basis for carrying out financing contracts. The implementation of good risk management in accordance with Islamic legal principles can help prevent practices that are contrary to sharia and protect the rights and obligations of both parties in the mudharabah contract. Thus, the determination of structured risk management in the mudharabah contract plays an important role in maintaining sharia compliance, increasing customer trust, and creating a sustainable Islamic banking system in accordance with Islamic legal principles.


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DOI: https://doi.org/10.3059/insis.v0i0.22929

DOI (PDF): https://doi.org/10.3059/insis.v0i0.22929.g12880

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