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