Pelaksanaan prinsip kehati-hatian melalui analisa 5 C (The Five of Credit) terhadap Mudharib dalam pemberian pembiayaan Al-Mudharabah di Bank Muamalat Cabang Solo

HABA, Johan Nurjam, Prof.Dr. Abdul Ghofur Anshori, SH.,MH

2007 | Tesis | S2 Ilmu Hukum (Magister Kenotariatan)

Penelitian mengenai pelaksanaan prinsip kehati-hatian melalui analisa 5 C (the five of credit) terhadap mudharib dalam pemberian pembiayaan Al- Mudharabah di Bank Muamalat Cabang Solo ini dilakukan untuk mengetahui bagaimanakah pelaksanaan prinsip kehati-hatian melalui analisa 5 C (the five of credit) dalam pemberian pembiayaan Al-Mudharabah di Bank Muamalat Indonesia Cabang Solo dan upaya apa yang ditempuh Bank Muamalat Cabang Solo dalam mengatasi hambatan pelaksanan prinsip kehati-hatian melalui analisa 5 C (the five of credit) terhadap mudharib pada pemberian pembiayaan Al- Mudharabah yang bermasalah pada Bank Muamalat Indonesia Cabang Solo. Penelitian ini adalah penelitian empiris yuridis secara empiris penelitian ini didasarkan pada penelitian lapangan yang menjelaskan pelaksanaan prinsip kehati-hatian melalui analisa 5 C (the five of credit) terhadap mudharib dalam pemberian pembiayaan Al-Mudharabah di Bank Muamalat Cabang Solo secara yuridis mengkaji aspek hukumnya secara teoritis. Hasil penelitian menunjukkan bahwa pelaksanaan prinsip kehati-hatian melalui analisa 5 C (the five of credit) terhadap mudharib dalam pemberian pembiayaan Al-Mudharabah pada Bank Muamalat Indonesia Cabang Solo dilaksanakan melalui analisa karakter dari mudharib,analisa terhadap modal mudharib,analisa terhadap kemampuan mudharib,analisa terhadap jaminan mudharib dan analisa terhadap kondisi ekonomi yang mempengaruhi usaha mudharib.Upaya-upaya yang ditempuh Bank Muamalat Cabang Solo untuk mengatasi hambatan pelaksanaan prinsip kehati- hatian melalui analisa 5 C (the five of credit) terhadap mudharib pada pemberian pembiayaan Al Mudharabah yakni dengan memberikan fasilitas pembiayan Al-Mudharabah dengan tenggang waktu yang pendek, mengevaluasi seluruh aset yang dimiliki mudharib,pembinaan secara intensif terhadap mudharib, pengawasan terhadap kegiatan usaha dan jaminan mudharib, dan memperketat aturan-aturan pada akad Al-Mudharabah

This research about prudential principle through the five of credit analysis towards mudharib for Al Mudharabah funding conferment in Muamalat Bank of Solo was to discovered how the execution of the prudential principle through the five of credit for Al Mudharabah conferment funding at Muamalat Bank of Solo and what efforts that the Muamalat Bank of Solo should have done to solve the hindrances according to the prudential principle implementation through the five of credits analysis towards mudharib for funding conferment which has a problems on it’s bank. This research is a juridical and empirical research which is empirically based on survey which is explaining that the prudential principle through the five of credit analysis towards mudharib for Al Mudharabah funding conferment at Muamalat Bank of Solo was juridical and studying the law aspect teoritically The result of the research indicated the prudential principle through the five of credit analysis towards mudharib for Al Mudharabah conferment funding in Muamalat Bank of Solo has been done by characteristic analysis from mudharib, analysis towards mudharib’s capital, analysis towards mudharib’s skill, analysis towards mudharib’s surety, and analysis of economical condition that would effected to the mudharib’s action. The efforts that has been done by Muamalat Bank of Solo to overcome the hindrances of the prudential principle implementation through the five credit towards mudharib on Al Mudharabah funding conferment that is by giving funding facilities Al Mudharabah with short time deadline, eva luating all of the properties that belongs to mudharib, an intensive guidance, certain supervisions towards the work activity as well as mudharib’s surety and tightening all of the rules on Al Mudharabah.

Kata Kunci : Hukum Perbankan, Pembiayaan al'Mudharabah