ADVERSE SELECTION DALAM PRODUK MUDHARABAH
DOI:
https://doi.org/10.54964/satyamandiri.v5i1.326Keywords:
Adverse Selection, Mudharabah, Bagi HasilAbstract
Salah satu yang menjadi permasalahan dari produk mudharabah adalah adanya adverse selection, dimana dalam menganalisa nasabah terjadi kesalahan penilaian. Banyak nasabah mudharabah yang hanya melakukan pinjaman secara bagi hasil karena mereka sudah punya proyeksi profit yang tidak besar. Dengan demikian mudharib tidak akan merugi walaupun dengan profit yang kecil. Apabila mereka mempunyai profit yang besar, mereka akan melakukan pinjaman ke bank konvensioal, karena biaya pinjaman tetap sehingga untung bersihnya lebih besar. Hal-hal seperti ini harus diprediksi oleh manajemen bank syariah agar produk mudharabah tidak digunakan hanya untuk pengalihan kerugian semata.
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