Sistem Tanggung Renteng pada Keberlangsungan Usaha dalam Perspektif Ekonomi Islam

Umi Rohmah, Suharto Suharto, Erike Anggraeni

Abstract

Financial institutions have now continued to expand, specifically the Islamic banking industry. Islamic banking offers various types of products, including financing for additional business capital. In the financing products offered, many risks are considered capable of affecting the health of the bank. Consequently, the banking sector has developed a mechanism to address the risk of default. For instance, the BTPN Syariah bank, which already has a mechanism for dealing with defaults through joint and several liability, where all members in a financing group are involved jointly or severally to be responsible for the loans they have. Apart from dealing with the risk of default, joint and several liability is also used to assist financing members who are having problems with their business being developed. Joint and several liability in muamalah fiqh is also referred to as kafalah.

Keywords

Tanggung Renteng

Full Text:

PDF

References

Arifin, S. (2008). Dinamika Implementasi Konsep Sistem Tanggung Renteng Dan Kontribusinya Pada Tercapainya Zero And Debt. Jurnal Keuangan Dan Perbankan, 12(3).

BTPN Syariah. (2020). Annual Report BTPN Syariah.

Makki, M., & Romla, I. (2020). Implementasi Sistem Beban Tanggung Renteng Dalam Financing Produk di BMI NU Situbonto. Jurnal Ilmu Pendidikan Dan Ekonomi, 6(1), 28–43.

Mardliyyah, A., & Ryandono, M. N. H. (2020). Sistem Tanggung Renteng Pada Koperasi Assakinah Sebagai Bentuk Penerapan Ta’Awun. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(2), 254. https://doi.org/10.20473/vol7iss20202pp254-268

Nelly, R. (2021). Wakalah, Kafalah dan Hawalah. Jurnal Insitusi Politeknik Ganesha Medan, 4(2), 228–233.

Otoritas Jasa Keuangan. (n.d.). No Title.

Rakhmadi, R. S. (2019). Konsep Dan Penerapan Sistem Jaminan Pada Lembaga Keuangan Syariah. Madani Syari’ah, 2(4), 11–16.

Saripudin, U. (2013). Perspektif Ekonomi Islam (Studi Kasus di UPK Gerbang Emas Bandung). Iqtishadia, 6(2), 379–403.

Widowati, C., & Budhisulistyawati, A. (2018). Efektivitas Tanggung Renteng Pada Perusahaan Modal Ventura. Jurnal Privat Law, 6(1), 82–91.

Yusianti, D. (2017). Penggunaan Akad Kafalah Bil Al- ‘Ujrah Pada Pembiayaan Take Over. Jurnal Maliyah, 7(11), 108–136.

Refbacks

  • There are currently no refbacks.