文章基本信息

标题：SHARIA COMPLIENCE AKAD BERBASIS NATURAL UNCERTAINTY CONTRACT (NUC) LEMBAGA KEUANGAN MIKRO SYARIAH DI KABUPATEN JEPARA
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作者：Edi Susilo ; A. Khoirul Anam
期刊名称：al-Uqud: Journal of Islamic Economics
印刷版ISSN：2549-0850
电子版ISSN：2548-3544
出版年度：2018
卷号：2
期号：1
页码：20-37
DOI：10.26740/al-uqud.v2n1.p20-37
出版社：Universitas Negeri Surabaya
摘要：Financing in Sharia Micro Financing Institutions (BMT) is dominated by certaintycontracts, as it has less risk than syirkah contract like Mudharabah or Musyarakah basedon Natural Uncertainty Contract (NUC). Implementation constraints syirkah contractsexist on both parties, financial institutions and clients. due to lack of financial reports,honesty and transparency of the client's business (asismetric information). The Clientgives a business report if the results obtained are small or equivalent to the bank interestrate, but if the business profit is good, then the profit share must be high. This research isa qualitative descriptive analytical research, to see the implementation of syirkahcontract on Sharia Micro Finance Institution (BMT) in Jepara Regency and its syariahcompliance based on DSN-MUI fatwa. The results showed that BMT in Jepara regencycan not fulfill the compliance of shariah contract of Natural Uncertanty Contract (NUC)due to high risk, human resource capability and low comprehension and lack of client'sfinancial report.
关键词：Lembaga Keuangan Mikro Syariah; Natural Uncertainty Contract; Akad Syirkah.