This paper analyzes the concept of muḍārabah as the main product in sharia banking, where the financing product should be excellent in its marketing. However, muḍārabah financing products are often faced with complicated portfolios and low market shares because they are indicated by high levels of financial risk. To bridge this, collateral is one of the tools used by the Sharia Bank in order to minimize these risks. This type of research is literature with a qualitative-explorative descriptive approach. The results showed that the collateral in muḍārabah financing functions as a Shariah Bank intervention tool to create benefits for creditors and debtors in the event of default in their business, also to avoid moral hazard activities and asymmetric information.

This research aims to see does income inequality determines the happiness of Indonesian. This is important because there is a unique condition where Indonesia to be one of the developing nations which have a complexity of the income inequality issue, but it still has a high happiness index rate. This research uses cross-sectional data consisting of multiple indicators of all the variables from 34 provinces of Indonesia such as inflation, unemployment, and government investment as the macroeconomic factors, which have a direct impact on income inequality as well as happiness index, and this research uses path analysis model.The result delineates that although macro economics variables and income inequality have negative correlation toward happiness of Indonesian, it it not fully effected on it because most happiness of Indonesians are coming from another aspect such as socio-culture and religiosity

This research aims to measure maslahah level on collateral implementation in mudaraba financing contract at sharia banking. This is important, because although the existence of collateral in the contract is able to create such maslahah, but there is no specific level regarding to it. Then, this research also tries to examine the relationship between collateral to maslahah itself in order to know the effect which give by those variables. This is an explanatory research uses a quantitative approach with survey method. This research also uses descriptive statistic and path analysis method by IBM SPSS Statistic 22 in order to reach the purpose of this research. This research picked sharia banking practitioners and customers specifically in Cirebon as the population, reaching 116 respondent which used as the sample of research. The result of this research reported that the implementation of collateral in mudaraba financing contract is truly provide maslahah level both for sharia banking practitioners and customers. This result was also strengthened by the direct effect between each variable which revealed a positive significant effect.

Artikel ini bertujuan untuk menganalisa dan mendiskusikan terkait kedudukan dan hukum bunga bank yang masih menjadi perdebatan apakah bunga bank bisa dikatakan halal atau tidak. Hal ini dapat terjadi dikarenakan adanya perbedaan sudut pandang, metode serta landasan epistimologi seseorang dalam memahami serta menganalisa suatu fenomena tertentu sehingga mengakibatkan hasil pemahaman yang beragam. Dengan demikian, artikel ini berupaya untuk mengkaji bunga bank dalam perspektif insider (yang mempunyai pandangan tradisional) akan tetapi juga akan mengkaji dalam perspektif outsider (yang mempunyai pandangan kontemporer) dengan tujuan untuk memperoleh kesimpulan yang objektif terkait bunga bank dalam studi IslamArtikel ini dianalisa menggunakan metode library research dengan pendekatan deskriptif kualitatif dimana penulis melakukan pengumpulan data pustaka, dokumen-dokumen tertulis yang berisikan pemahaman beserta keterangan mengenai persoalan yang sesuai dengan masalah dan tujuan penelitian. Adapun hasil analisa dari artikel ini mengungkapkan bahwa bunga bank memiliki kesamaan dengan margin sehingga secara emic dan etik bunga bank dibolehkan dengan tetap memperhatikan batas yang telah ditentukan oleh regulator.

Musyarakah merupakan salah satu kontrak bisnis Islam. Akad tersebut dalam konotasi bisnis khsusnya di bank syariah dikenal sebagai akad bagi hasil, yang menjadi karakteristk dari industrii perbankan syariah. Namun, terdapat beberapa catatan mengenai mekanisme pelaksanaan akad tersebut di bank syariah yang dinilai belum sesuai dengan prinsip syariah. Artikel ini bertujuan untuk mengulas lebiih dalam mengenai apakah implementasi akad musyarakah di perbankan syariah sudah sesuai dengan prinsip-prinsip syariah itu sendiri. Penelitian ini merupakan penelitian desktiptif kualitatif dengan pendekatan library research. Hasil dari penelitian ini menunjukkan bahwa perlu adanya upaya konkret dalam hal ini ialah monitoring dan evaluasi oleh bank syariah ketika melakukan kontrak musyarakah dengan nasabah dalam rangka merealisasikan prinsip-prinsip syariah itusendiri.