ANALISIS FATWA DEWAN SYARIAH NASIONAL MAJELIS ULAMA INDONESIA NOMOR 91/DSN-MUI/IV/2014 TENTANG PEMBIAYAAN SINDIKASI PADA PROYEK TOL SOLO-YOGYAKARTA OLEH BCA SYARIAH
DOI:
https://doi.org/10.31958/jisrah.v4i3.11464Keywords:
Contract, Musyarakah Mutanaqishah, Syndicated FinancingAbstract
This research aims to analyze the DSN MUI Fatwa No. 91/DSN-MUI/IV/2014 which regulates Syndicated Financing in the MMQ Agreement Mechanism, with a focus on its implementation in the Solo Yogyakarta Toll Road Project by BCA Syariah. This research uses a qualitative method with a case study approach. The research analyzes in depth the implementation of the Fatwa on the syndicated financing of the Solo-Yogyakarta Toll Road project by BCA Syariah. The author uses secondary data, obtained from literature analysis including fatwas on syndicated financing and MMQ contracts, books, scientific articles (journals), and related news articles to understand the implementation of this fatwa. The research results show that BCA Syariah Bank collaborates with conventional banks and sharia, including Bank Rakyat Indonesia as Joint Mandated Lead Arranger & Bookrunner (JMLAB), as well as infrastructure financing institutions and regional banks, this financing shows an indication of the inclusion of sharia financing in large projects in Indonesia. DSN-MUI Fatwa No. 91 of 2014 ensures that the contracts used in syndication must comply with MMQ principles, which are a combination of Musyarakah and Ijarah. In syndicated financing, Islamic banks can participate in supporting the same project by sharing funds and risks according to the agreement. BCA Syariah's participation in syndicated financing provides a strong legal basis for carrying out syndicated financing practices in large projects involving more than one financial institution.References
Ardany, Zulfiqar. “Implikasi Yuridis Perubahan Status Bank NTB Menjadi Bank NTB Syariah terhadap Kredit Sindikasi.” Jurnal Education and development Institut Pendidikan Tapanuli Selatan 7, no. 4 (2019): 368- 375. https://journal.ipts.ac.id/index.php/ED/article/view/1477
Ariswanto, Dery, Zedra Warang, and Agung Wildan Azizi. “Pembiayaan Sindikasi Bank Syariah di Indonesia dalam Perspektif Hukum Ekonomi Syariah.” J-Alif : Jurnal Penelitian Hukum Ekonomi Syariah dan Budaya Islam 6, no. 2 (2021): 143-155. https://doi.org/10.35329/jalif.v6i2.1893.
Basyariah, Nuhbatul. “Analisis Implementasi Pembiayaan Musyarakah Mutanaqishah Pada Perbankan Syariah di Indonesia.” Muqtasid: Jurnal Ekonomi dan Perbankan Syariah 9, no. 2 (2018): 120-133. https://doi.org/10.18326/muqtasid.v9i2.120-133.
Budianto, Eka Wahyu Hestya. “Pemetaan Penelitian Seputar Akad Musyarakah pada Lembaga Keuangan Syariah: Studi Bibliometrik VOSviewer dan Literature Review.” JESI (Jurnal Ekonomi Syariah Indonesia) 12, no. 1 (2022): 25-36. https://doi.org/10.21927/jesi.2022.12(1).25-36.
Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia Nomor 91/DSN-MUI/IV/2014 Tentang Pembiayaan Sindikasi (Al-Tamwil Al-Mashrifi Af-Mujamma).
Ilyas, Rahmat. “Konsep Pembiayaan dalam Perbankan Syariah.” Jurnal Penelitian 9, no. 1 (2015). https://doi.org/10.21043/jupe.v9i1.859.
Islamy, Aditya Ramadhaniar El. “Pembiayaan Sindikasi Bank Syariah Perspektif Hukum Ekonomi Syariah.” Jurnal Soshumdik 2, no. 1 (2023). https://doi.org/10.56444/soshumdik.v2i1.526
Jamaluddin, J. "Entitas Pembiayaan Sindikasi (Al Tamwil Al Mashrifi Al Mujamma’) Perbankan Syariah Berdasarkan Fatwa DSN-MUI Nomor 91/2014." Jurnal At-Tamwil: Kajian Ekonomi Syariah 4, no. 1 (2022): 1-21. https://doi.org/10.33367/at.v4i1.1463
Kadir, Syahruddin, Mukhtar Lutfi, Nasrullah Bin Sapa, and Abd. Hafid. “Implementasi Akad Musyarakah Mutanaqishah di Lembaga Keuangan Islam.” Islamic Economic and Business Journal 4, no. 2 (2022): 1–19. http://dx.doi.org/10.30863/iebjournal.v4i2.3754.
Kompas.com. (2022). Tol Solo-Yogya-YIA Kulonprogo Raih Kredit Sindikasi Rp 9,89 Triliun. Diakses di https://www.kompas.com/properti/read/2022/12/23/210000521/tol-solo-yogya-yia-kulonprogo-raih-kredit-sindikasi-rp-989-triliun, pada 20 Desember 2023.
Muhammad, M., Manajemen Pembiayaan Bank Syariah, (Yogyakarta: UPP AMP YKPN, 2005), 17.
Rahmawati, Ade, and Irham Zaki. “Analisis Faktor Kebijakan Pemilihan Implementasi Akad Musyarakah Mutanaqishah dari pada Akad Ijarah Muntahiya Bittamlik pada Bank Jatim Syariah Surabaya.” Jurnal Ekonomi Syariah Teori dan Terapan 6, no. 4 (2019): 720-731. https://dx.doi.org/10.20473/vol6iss20194pp720-731.
Rahmayati, R. "Pembiayaan Sindikasi Sebagai Peningkatan Portofolio Pembiayaan Perbankan Syariah." Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman 7, no 1 (2019).
Ridwan, M., and Syahruddin, S.. “Implementasi Musyarakah Mutanaqisah sebagai Alternatif Pembiayaan Murabahah di Perbankan Syariah Indonesia.” TSAQAFAH 9, no. 1 (2013): 101-122. https://doi.org/10.21111/tsaqafah.v9i1.39.
Samudra, Gilang, Gina Sakinah, Nurhaeti Nurhaeti, and Taufiq Ridwan Murtadho. “Analisis Pembiayaan Sindikasi Bank Syariah Perspektif Hukum Ekonomi Syariah.” AKSY Jurnal Ilmu Akuntansi dan Bisnis Syariah 4, no. 1 (2022): 19–32. https://doi.org/10.15575/aksy.v4i1.17098.
Syahla, Nurul, and Khairina Tambunan. “Pengaruh Pembiayaan Sindikasi terhadap Peningkatan Portofolio Pembiayaan PT Bank Sumut Unit Usaha Syariah.” Regress: Journal of Economics & Management 2, no. 1 (2022): 99–104. https://doi.org/10.57251/reg.v2i1.282.
Ulpah, Mariya. “Konsep Pembiayaan dalam Perbankan Syariah.” Jurnal Madani Syari’ah 3, no. 2 (2020): 147-160. https://doi.org/10.51476/madanisyari'ah.v3i2.208
Undang-Undang Republik Indonesia Nomor 10 Tahun 1998 tentang Perubahan Atas Undang-Undang Nomor 7 Tahun 1992 Tentang Perbankan.
Zainuddin, Muhammad Anwar. “Akad Musyarakah Mutanaqisah dalam Sistem Perbankan Syariah.” Bilancia: Jurnal Studi Ilmu Syariah dan Hukum 12, no. 2 (2018): 321–338. https://doi.org/10.24239/blc.v12i2.373.
Ariswanto, Dery, Zedra Warang, and Agung Wildan Azizi. “Pembiayaan Sindikasi Bank Syariah di Indonesia dalam Perspektif Hukum Ekonomi Syariah.” J-Alif : Jurnal Penelitian Hukum Ekonomi Syariah dan Budaya Islam 6, no. 2 (2021): 143-155. https://doi.org/10.35329/jalif.v6i2.1893.
Basyariah, Nuhbatul. “Analisis Implementasi Pembiayaan Musyarakah Mutanaqishah Pada Perbankan Syariah di Indonesia.” Muqtasid: Jurnal Ekonomi dan Perbankan Syariah 9, no. 2 (2018): 120-133. https://doi.org/10.18326/muqtasid.v9i2.120-133.
Budianto, Eka Wahyu Hestya. “Pemetaan Penelitian Seputar Akad Musyarakah pada Lembaga Keuangan Syariah: Studi Bibliometrik VOSviewer dan Literature Review.” JESI (Jurnal Ekonomi Syariah Indonesia) 12, no. 1 (2022): 25-36. https://doi.org/10.21927/jesi.2022.12(1).25-36.
Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia Nomor 91/DSN-MUI/IV/2014 Tentang Pembiayaan Sindikasi (Al-Tamwil Al-Mashrifi Af-Mujamma).
Ilyas, Rahmat. “Konsep Pembiayaan dalam Perbankan Syariah.” Jurnal Penelitian 9, no. 1 (2015). https://doi.org/10.21043/jupe.v9i1.859.
Islamy, Aditya Ramadhaniar El. “Pembiayaan Sindikasi Bank Syariah Perspektif Hukum Ekonomi Syariah.” Jurnal Soshumdik 2, no. 1 (2023). https://doi.org/10.56444/soshumdik.v2i1.526
Jamaluddin, J. "Entitas Pembiayaan Sindikasi (Al Tamwil Al Mashrifi Al Mujamma’) Perbankan Syariah Berdasarkan Fatwa DSN-MUI Nomor 91/2014." Jurnal At-Tamwil: Kajian Ekonomi Syariah 4, no. 1 (2022): 1-21. https://doi.org/10.33367/at.v4i1.1463
Kadir, Syahruddin, Mukhtar Lutfi, Nasrullah Bin Sapa, and Abd. Hafid. “Implementasi Akad Musyarakah Mutanaqishah di Lembaga Keuangan Islam.” Islamic Economic and Business Journal 4, no. 2 (2022): 1–19. http://dx.doi.org/10.30863/iebjournal.v4i2.3754.
Kompas.com. (2022). Tol Solo-Yogya-YIA Kulonprogo Raih Kredit Sindikasi Rp 9,89 Triliun. Diakses di https://www.kompas.com/properti/read/2022/12/23/210000521/tol-solo-yogya-yia-kulonprogo-raih-kredit-sindikasi-rp-989-triliun, pada 20 Desember 2023.
Muhammad, M., Manajemen Pembiayaan Bank Syariah, (Yogyakarta: UPP AMP YKPN, 2005), 17.
Rahmawati, Ade, and Irham Zaki. “Analisis Faktor Kebijakan Pemilihan Implementasi Akad Musyarakah Mutanaqishah dari pada Akad Ijarah Muntahiya Bittamlik pada Bank Jatim Syariah Surabaya.” Jurnal Ekonomi Syariah Teori dan Terapan 6, no. 4 (2019): 720-731. https://dx.doi.org/10.20473/vol6iss20194pp720-731.
Rahmayati, R. "Pembiayaan Sindikasi Sebagai Peningkatan Portofolio Pembiayaan Perbankan Syariah." Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman 7, no 1 (2019).
Ridwan, M., and Syahruddin, S.. “Implementasi Musyarakah Mutanaqisah sebagai Alternatif Pembiayaan Murabahah di Perbankan Syariah Indonesia.” TSAQAFAH 9, no. 1 (2013): 101-122. https://doi.org/10.21111/tsaqafah.v9i1.39.
Samudra, Gilang, Gina Sakinah, Nurhaeti Nurhaeti, and Taufiq Ridwan Murtadho. “Analisis Pembiayaan Sindikasi Bank Syariah Perspektif Hukum Ekonomi Syariah.” AKSY Jurnal Ilmu Akuntansi dan Bisnis Syariah 4, no. 1 (2022): 19–32. https://doi.org/10.15575/aksy.v4i1.17098.
Syahla, Nurul, and Khairina Tambunan. “Pengaruh Pembiayaan Sindikasi terhadap Peningkatan Portofolio Pembiayaan PT Bank Sumut Unit Usaha Syariah.” Regress: Journal of Economics & Management 2, no. 1 (2022): 99–104. https://doi.org/10.57251/reg.v2i1.282.
Ulpah, Mariya. “Konsep Pembiayaan dalam Perbankan Syariah.” Jurnal Madani Syari’ah 3, no. 2 (2020): 147-160. https://doi.org/10.51476/madanisyari'ah.v3i2.208
Undang-Undang Republik Indonesia Nomor 10 Tahun 1998 tentang Perubahan Atas Undang-Undang Nomor 7 Tahun 1992 Tentang Perbankan.
Zainuddin, Muhammad Anwar. “Akad Musyarakah Mutanaqisah dalam Sistem Perbankan Syariah.” Bilancia: Jurnal Studi Ilmu Syariah dan Hukum 12, no. 2 (2018): 321–338. https://doi.org/10.24239/blc.v12i2.373.
Downloads
Published
2023-12-29
Issue
Section
Articles
License
Copyright (c) 2023 Fadli Daud Abdullah, Jaih Mubarak, Sofian Al Hakim, Doli Witro
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
Authors who publish with this journal agree to the following terms:- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a?áCreative Commons Attribution License?áthat allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See?áThe Effect of Open Access).
