ANALISIS IMPLEMENTASI AKAD KAFALAH DALAM PRAKTIK BANK GARANSI SEKTOR KONSTRUKSI (STUDI KASUS KB BUKOPIN SYARIAH YOGYAKARTA)

Gina Nurleva, Indah Shofiyah

Abstract


Bank guarantee is a guarantee in the form of a note issued by a bank that creates an obligation to pay the recipient of the guarantee if the guaranteed party defaults. Specifically, the purpose of this research is to investigate the implementation of the Kafalah contract in the practice of Bank Guarantee in the construction sector at Bank KB Bukopin Syariah Yogyakarta. Data collection is done through observation by seeing the actual conditions in the field, and interviews with parties related to the field of research. The method used in this research uses qualitative research. The results of the study show that in providing Bank Guarantee at KBBS Yogyakarta, customers are required to have a Bid Bond, Performance Bond, Advance Payment Bond, Maintenance Bond, and Payment Bond with a minimum guarantee deposit of 100% of the value of the Bank Guarantee. In general, the application of the concept of Kafalah in the practice of Bank Guarantee at KBBS Yogyakarta has fulfilled the elements allowed in Islamic economics because of the human need to help each other and avoid losses from debtors.

Full Text:

PDF

References


DSN-MUI. (2007). Fatwa Dewan Syari’ah Nasional Nomor: 57/DSN-MUI/V/2007 Tentang Letter of Credit (L/C) Dengan Akad Kafalah Bil Ujrah. 1–5.

Edratna. (2008). Bank Garansi, apa dan bagaimana kegunaannya? Wordpress.Com. https://edratna.wordpress.com/2008/01/07/bank-garansi-apa-dan-bagaimana-kegunaannya/

Hamdani. (2013). ANALISIS IMPLEMENTASI KONSEP KAFALAH PADA BANK SYARIAH MANDIRI BANDA ACEH: STUDI TERHADAP PENYELESAIAN KONTRA GARANSI SEKTOR KONSTRUKSI Hamdani. In Penyelesaian Kontra Garansi_ SHARE (Vol. 2, Issue 1).

Maulana, T., & Rustam, M. R. (2022). ANALISIS PUTUSAN INGKRAH MAHKAMAH AGUNG NO.2167 K/PDT/2020 ATAS GUGATAN PT BERKAH KAWASAN MANYAR TERHADAP PERUSAHAAN PENJAMINAN BANK GARANSI PT BANK SYARIAH BUKOPIN. Gorontalo Law Review, 5(1), 92–107.

Naja, H. R. D. (2005). HUKUM KREDIT dan BANK GARANSI. PT CITRA ADITYA BAKTI.

Otoritas Jasa Keuangan. (2017). Ikhtisar Perbankan. Ojk.Go.Id. https://www.ojk.go.id/id/kanal/perbankan/ikhtisar-perbankan/Pages/Lembaga-Perbankan.aspx#:~:text=Fungsi utama perbankan Indonesia adalah,peningkatan taraf hidup rakyat banyak

Syariah, K. B. (n.d.). Bank Garansi iB. Kbbukopinsyariah.Com. https://www.kbbukopinsyariah.com/jasa

Wakalahmu. (2022). Kafalah adalah Hukum Jaminan dalam Islam. Begini Contoh Kafalah dalam Kehidupan Sehari-hari. PT Digital Wakalah Sejahtera. https://wakalahmu.com/artikel/dunia-islam/kafalah-adalah-hukum-jaminan-dalam-islam-begini-contoh-kafalah-dalam-kehidupan-sehari-hari




DOI: http://dx.doi.org/10.29040/jie.v8i1.9860

Refbacks

  • There are currently no refbacks.