STUDI TENTANG SIKAP BANKIR DAN PENGUSAHA TERHADAP POLA PEMBIAYAAN BAGI-HASIL PADA BANK SYARIAH

Authors

  • Ratno Agriyanto Fakultas Ekonomi dan Bisnis Islam IAIN Walisongo
  • Abdul Rohman Fakultas Ekonomi dan Bisnis Universitas Diponegoro

DOI:

https://doi.org/10.30821/miqot.v38i1.96

Abstract

Abstrak: Sudah menjadi persepsi umum di masyarakat bahwa pada tataran operasional bank syariah menggunakan sistem bagi hasil. Namun demikian data menunjukan bahwa realisasi pembiayaan bagi hasil hanya berkisar 27% dari total portopolio pembiayaan bank syariah. Tulisan ini bertujuan untuk melakukan studi tentang bagaimana sikap para pihak dalam memandang pembiayaan bagi hasil yang meliputi bankir dan pengusaha. Populasi dalam studi ini adalah seluruh bankir dan pengusaha. Sampel ditetapkan masing-masih sebanyak 30 bankir dan 30 pengusaha. Data dikumpulkan menggunakan kuesioner dan wawancara. Analisis data menggunakan pendekatan kualitatif deskriptif dan uji beda. Dalam studi ini penulis menemukan bahwa pada tataran kognitif dan afektif terdapat kesamaan persepsi antara bankir dan pengusaha namun demikian dalam tataran tindakan masih terjadi perbedaan sikap dalam semua unsur implementasi bagi hasil yaitu karakter (kejujuran), kapasitas, modal, agunan, kondisi ekonomi dan efisiensi.Abstract: A Study of Banker’s and Enterprenour’s Attitude towards Profit and Loss Sharing Scheem in Syariah Banks. It has been widelyaccepted within the society that at the practical level, Islamic banks use profit and lostsharing system. However, the current data indicates that the realization of financing that utilized such system reached only around 27% of the total financing portfolio of Islamic banks. This study aims to determine how the attitude of the parties in regard to the results of financing that includes bankers and enterpreurs that represent the population of this study. Each sample is confined to 30 bankers and 30 businessmen. The information was collected using questionnaires and interviews. In this study, the writers found that atthe cognitive and affective levelsthere was resemblance of perception between the bankers and businessmen. At the practical level, however, they differred concerning all elements for the implementation of the profit and loss sharing which consisted of character (honesty), capacity, capital, collateral, economic conditions and efficiency.Kata Kunci: Sikap, Bankir,Pengusaha, Pola Pembiayaan Bagi Hasil

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Published

2014-06-04

Issue

Vol. 38 No. 1 (2014)

Section

Articles

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