Asimetri Informasi pada Pembiayaan Pemilikan Rumah di Bank Syari’ah Mandiri
Keywords:
Asymmetric Information, Operational System Islamic Banking, Financing Products, Akad Murabahah
Abstract
Development Bank of Shari'ah is currently experiencing rapid growth. However this has not been accompanied by an understanding of the community of the operational system and the Shari’ah banking products. So also with the implementation of the product, it still has things that are Shari’ah can be debated. Particularly on financing products, is seen still there applying the asymmetry of information legally muamalah Islam is not permitted. Therefore, the need to study in-depth research for the sake of improvement of the system and the governance of Shari’ah banking that comply with Islamic jurisprudence. This article examines about things related to the asymmetry of information on financing products possession with the Akad Murabaha.References
Al- Turmidzi Isa Abu, Jami’ Shahih Sunan Tirmizi, Beirut: Daar al-kutub, 1995
Antonio Syafi’i M, Bank Syari’ah Suatu Penegenalan Umum. Jakarta: Tazkia Institute, 2000
Arbi Syarif M. Lembaga Perbankan, Keuangan dan Pembiayaan.BPFE: Yogyakarta. 2013
As-Syafi’iIdris bin Muhammad, Al Umm (Mesir: Maktabah Maemuniah) Juz III.
Akerlof George, The Market For Lemons, The Quarterly Journal of Economics, Vol. 84, No. 3. (Aug., 1970), pp. 488-500.
Arrow. J. Kenneth. "Uncertainty and the Welfare Economics of Medical Care," American Economic Review. Vol. 34.No.6. Mei 1996.
Assih Prihat, Pengaruh Asimetri Informasi terhadap manajemen laba.Jurnal Economics. Vol.12 No 5, Agustus 1992.
Benardi Meliana, pengaruh asimetri informasi terhadap praktik manajemen laba dan implikasinya terhadap biaya modal ekuitas.Jurnal Akutansi. Vol 7 No 9, April 1996.
Berger, N. Allen, Humprey, B. David, and Pulley, B. Lawrence, 1996, “Do Consumers pay for one-stop banking? Evidence from alternative revenue function”,Journal of Banking and 20, pp. 1601 – 1621, Februari 7.
Baqi Abdul Fu’ad Muhammad, Jami’ Shahih Sunan al- Bukhari, Beirut: Daar al-kutub, 1994.
Campbell and Stephen Ballou,1974, Form and Style, Theses, Boston: Houghton Company.
Dendawijaya Lukman, Menajemen Perbankan,Bogor: Ghalia Indonesia Year,2005.
Dewan Syari’ah Nasional, Murabahah dalam Islam, Jakarta: 17 Jumadil Akhir 1421 H
Gazali Ahmad, Serba Serbi Pembiayaan Syari’ah Jangan ada Bunga diantara Kita,Jakarta:EIF X Media Komputindo Kolompok Gramedia. 2005
Ghazaly Rahman Abdul, Fiqih Muamalat, Jakarta: Kencana, Cet.ke-1. 2010
Hadi Samsul ,Pokok- pokok Materi Motodologi Penelitian dan Aplikasinya. Jakarta:Ghalia Indonesia,2006
Ibrahim Warde, Islamic in the Global Media. Edinburgh: Edinburgh University Press 2001
Kashmir, Menajemen Perbankan. Jakarta: Raja Grafindo Persada.2003
Kementerian Koperasi UKM RI, Petunjuk Teknis Program Pembiayaan Produktif Koperasi dan Usaha Mikro (P3KUM) Pola Syari’ah. Jakarta,2007.
Mishkin Frederic. Ekonomi Uang, Perbankan dan Pasar Keuangan. Edisi 8. Jakarta: Salemba Empat.2008
Muhammad, Menajemen Dana dan Pembiayaan Bank Syari’ah. Yogyakarta:UPP-STIM YKPN 2006.
Muhammad. Manajemen Bank Syariah.STIM YKPN: Yogyakarta. 2011
Muhammed dan Shahid Ebrahim, “Islamic Injuctions and Securitized Debt”.Durham Islamic Summer School 2015.
Muhammed dan Shahid Ebrahim, Islamic Injuctions and Securitized Debt (Durham Islamic Summer School 2015)
Peraturan Bank Indonesia No. 5/7/PBI/2003 Tanggal 19 Mei 2003
Rahman Afzalur, Banking and Insurance. London: The Muslim Schools Trust,1997.
Saeed Adbullah, Islamic Banking and Interest, Leiden, New York, Koln:E.J. Brill,1996.
SumitroWarkum, Asas- Asas Perbankan Islam dan Lembaga Terkait (BAMUI dan Tafakul) di Indonesia,. Jakarta: Raja Grafindo Persada, 1997.
Supramono Gatot, Perbankan dan Masalah Pembiayaan: Suatu Tinjaun Yuridis,Jakarta, Djambatan, 1996.
Surat Edaran Bank Indonesia Indonesia Nomor 15/40/DKMP tanggal 24 September 2014 perihal Penerapan Menagement Resiko pada Bank yang melakukan pemberian kredit atau pembiayaan pemilikan properti, kredit atau pembiayaan konsumsi Beragun properti, dan kredit atau pembiayaan kendaran bermotor
Syarifudin.Metodologi Penelitian. Bandung : Mandar Maju,2011.
Tarsidin. Bagi Hasil: Konsep dan Analisis. Jakarta: Lembaga Penerbit Fakultas Ekonomi, 2010.
Weston dan Brigham, 2006. Principles of Managerial . Eleventh Edition, New York: Harper Collins College Publishers.
Zulkifli Sunarto, Panduan Transaksi Perbankan Syari’ah. Jakarta: Zikrul Hakim,2003.
Jenses dan Meckling ‘’ A Test of the Agency Theory of Managerial Ownersip, Corporate Leverage, and Corporate Dividends, Financial Menagement.International Journal of Economic and , Vol. 4. No. 18. Mei 1989.
Jenses dan Meckling, “A Test of the Agency Theory of Managerial Ownersip, Corporate Leverage, and Corporate Dividends, Financial Menagement”. International Journal of Economic and , Vol. 4. No. 18. Mei 1989.
Kusuma Hadri,’’Efek Asimetri Informasi Terhadap Kebijakan Deviden.Jurnal Economics and Business. Vol 10 No 1, Juni 2006.
Antonio Syafi’i M, Bank Syari’ah Suatu Penegenalan Umum. Jakarta: Tazkia Institute, 2000
Arbi Syarif M. Lembaga Perbankan, Keuangan dan Pembiayaan.BPFE: Yogyakarta. 2013
As-Syafi’iIdris bin Muhammad, Al Umm (Mesir: Maktabah Maemuniah) Juz III.
Akerlof George, The Market For Lemons, The Quarterly Journal of Economics, Vol. 84, No. 3. (Aug., 1970), pp. 488-500.
Arrow. J. Kenneth. "Uncertainty and the Welfare Economics of Medical Care," American Economic Review. Vol. 34.No.6. Mei 1996.
Assih Prihat, Pengaruh Asimetri Informasi terhadap manajemen laba.Jurnal Economics. Vol.12 No 5, Agustus 1992.
Benardi Meliana, pengaruh asimetri informasi terhadap praktik manajemen laba dan implikasinya terhadap biaya modal ekuitas.Jurnal Akutansi. Vol 7 No 9, April 1996.
Berger, N. Allen, Humprey, B. David, and Pulley, B. Lawrence, 1996, “Do Consumers pay for one-stop banking? Evidence from alternative revenue function”,Journal of Banking and 20, pp. 1601 – 1621, Februari 7.
Baqi Abdul Fu’ad Muhammad, Jami’ Shahih Sunan al- Bukhari, Beirut: Daar al-kutub, 1994.
Campbell and Stephen Ballou,1974, Form and Style, Theses, Boston: Houghton Company.
Dendawijaya Lukman, Menajemen Perbankan,Bogor: Ghalia Indonesia Year,2005.
Dewan Syari’ah Nasional, Murabahah dalam Islam, Jakarta: 17 Jumadil Akhir 1421 H
Gazali Ahmad, Serba Serbi Pembiayaan Syari’ah Jangan ada Bunga diantara Kita,Jakarta:EIF X Media Komputindo Kolompok Gramedia. 2005
Ghazaly Rahman Abdul, Fiqih Muamalat, Jakarta: Kencana, Cet.ke-1. 2010
Hadi Samsul ,Pokok- pokok Materi Motodologi Penelitian dan Aplikasinya. Jakarta:Ghalia Indonesia,2006
Ibrahim Warde, Islamic in the Global Media. Edinburgh: Edinburgh University Press 2001
Kashmir, Menajemen Perbankan. Jakarta: Raja Grafindo Persada.2003
Kementerian Koperasi UKM RI, Petunjuk Teknis Program Pembiayaan Produktif Koperasi dan Usaha Mikro (P3KUM) Pola Syari’ah. Jakarta,2007.
Mishkin Frederic. Ekonomi Uang, Perbankan dan Pasar Keuangan. Edisi 8. Jakarta: Salemba Empat.2008
Muhammad, Menajemen Dana dan Pembiayaan Bank Syari’ah. Yogyakarta:UPP-STIM YKPN 2006.
Muhammad. Manajemen Bank Syariah.STIM YKPN: Yogyakarta. 2011
Muhammed dan Shahid Ebrahim, “Islamic Injuctions and Securitized Debt”.Durham Islamic Summer School 2015.
Muhammed dan Shahid Ebrahim, Islamic Injuctions and Securitized Debt (Durham Islamic Summer School 2015)
Peraturan Bank Indonesia No. 5/7/PBI/2003 Tanggal 19 Mei 2003
Rahman Afzalur, Banking and Insurance. London: The Muslim Schools Trust,1997.
Saeed Adbullah, Islamic Banking and Interest, Leiden, New York, Koln:E.J. Brill,1996.
SumitroWarkum, Asas- Asas Perbankan Islam dan Lembaga Terkait (BAMUI dan Tafakul) di Indonesia,. Jakarta: Raja Grafindo Persada, 1997.
Supramono Gatot, Perbankan dan Masalah Pembiayaan: Suatu Tinjaun Yuridis,Jakarta, Djambatan, 1996.
Surat Edaran Bank Indonesia Indonesia Nomor 15/40/DKMP tanggal 24 September 2014 perihal Penerapan Menagement Resiko pada Bank yang melakukan pemberian kredit atau pembiayaan pemilikan properti, kredit atau pembiayaan konsumsi Beragun properti, dan kredit atau pembiayaan kendaran bermotor
Syarifudin.Metodologi Penelitian. Bandung : Mandar Maju,2011.
Tarsidin. Bagi Hasil: Konsep dan Analisis. Jakarta: Lembaga Penerbit Fakultas Ekonomi, 2010.
Weston dan Brigham, 2006. Principles of Managerial . Eleventh Edition, New York: Harper Collins College Publishers.
Zulkifli Sunarto, Panduan Transaksi Perbankan Syari’ah. Jakarta: Zikrul Hakim,2003.
Jenses dan Meckling ‘’ A Test of the Agency Theory of Managerial Ownersip, Corporate Leverage, and Corporate Dividends, Financial Menagement.International Journal of Economic and , Vol. 4. No. 18. Mei 1989.
Jenses dan Meckling, “A Test of the Agency Theory of Managerial Ownersip, Corporate Leverage, and Corporate Dividends, Financial Menagement”. International Journal of Economic and , Vol. 4. No. 18. Mei 1989.
Kusuma Hadri,’’Efek Asimetri Informasi Terhadap Kebijakan Deviden.Jurnal Economics and Business. Vol 10 No 1, Juni 2006.
