xii
DAFTAR ISI
HALAMAN JUDUL ....................................................................................... i
HALAMAN NOTA PERSETUJUAN PEMBIMBING ................................ ii
HALAMAN PENGESAHAN .......................................................................... iii
HALAMAN PENYATAAN ............................................................................ iv
HALAMAN PERSEMBAHAN ...................................................................... v
HALAMAN MOTTO ...................................................................................... vi
KATA PENGANTAR ...................................................................................... vii
ABSTRAK ........................................................................................................ ix
DAFTAR ISI ..................................................................................................... xii
BAB I PENDAHULUAN
A. Latar Belakang Masalah............................................................. 1
B. Rumusan Masalah ..................................................................... 5
C. Tujuan Penelitian ....................................................................... 5
D. Manfaat Penelitian ..................................................................... 6
E. Sistematika Penulisan ................................................................ 6
BAB II LANDASAN TEORI
A. Manajemen Resiko ..................................................................... 8
B. Akad Musyarakah ...................................................................... 19
C. Ijarah .......................................................................................... 32
D. Ijarah Al-Muntahiya bit Tamlik ................................................. 49
E. Penelitian Terdahulu .................................................................. 57
F. Kerangka Pikir ........................................................................... 58
BAB III METODE PENELITIAN
A. Jenis dan Pendekatan Penelitian ................................................ 61
B. Lokasi Penelitian ........................................................................ 62
C. Subjek Penelitian ....................................................................... 62
D. Objek Penelitian ......................................................................... 63
E. Sumber Data ............................................................................... 63
F. Teknik Pengumpulan Data ......................................................... 63
G. Uji Keabsahan Data ................................................................... 64
H. Teknik Analisis Data .................................................................. 67
BAB IV HASIL PENELITIAN DAN PEMBAHASAN
A. Gambaran Umum Objek Penelitian ........................................... 69
xiii
B. Deskripsi Data Penelitian ........................................................... 73
1. Implementasi pembiayaan Kongsi Pemilikan Rumah
Syariah (KPRS) melalui Akad Musyarakah wal Ijarah al-
muntahia bit-tamlik pada Bank Muamalat Indonesia
Cabang Kudus ...................................................................... 73
2. Penanganan resiko pembiayaan Kongsi Pemilikan Rumah
Syariah (KPRS) pada akad Musyarakah wal Ijarah al-
muntahia bit-tamlik di Bank Muamalat Indonesia Cabang
Kudus ................................................................................... 86
C. Pembasahan
1. Analisis Implementasi pembiayaan Kongsi Pemilikan
Rumah Syariah (KPRS) melalui Akad Musyarakah wal
Ijarah al-muntahia bit-tamlik pada Bank Muamalat
Indonesia Cabang Kudus ....................................................... 93
2. Analisis Penanganan Resiko Pembiayaan Kongsi Pemilikan
Rumah Syariah (KPRS) melalui Akad Musyarakah Wal
Ijarah Al-Muntahia Bit-Tamlik pada Bank Muamalat
Indonesia Cabang Kudus ....................................................... 101
BAB V KESIMPULAN
A. Kesimpulan ................................................................................ 109
B. Saran .......................................................................................... 109
C. Penutup ...................................................................................... 110
DAFTAR PUSTAKA
LAMPIRAN-LAMPIRAN
DAFTAR RIWAYAT PENDIDIKAN