IMPLEMENTATION OF THE PRINCIPLE OF JUSTICE IN THE PROFIT-SHARING SYSTEM IN FINANCING MUDHARABAH at PT. BANK MUAMALAT INDONESIA Tbk. KCU MATARAM

Abstract

This study aimed to determine the implementation of the principle of justice in the profit-sharing system on mudharabah financing at PT   Bank   Muamalat   Indonesia Tbk. KCU Mataram. The research method was descriptive qualitative research. The data collection techniques were carried out using observation, interviews and documentation. Meanwhile, data analysis was carried out inductively using some steps consisting of data reduction, data presentation, and conclusions. The results showed that the profit-sharing system in mudharabah financing at PT Bank Muamalat Indonesia Tbk. KCU Mataram implemented a revenue sharing system using the profit projection method based on the customer's business results data and the customer's ability to pay in monthly installments. The   principle   of   fairness in the profit-sharing   system in mudharabah financing laid on the willingness of the     parties ( sohibul maal and mudharib ) to bear the profits and losses proportionally according to the portion of their respective involvement.