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      Analisis matematik keunggulan sistem perbankan Berbasis bagihasil dalam masalah informasi asimetrik

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      Date
      2012
      Author
      Bakhtiar, Toni
      Sugema, Iman
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      Abstract
      Sistem perbankan konvensional selalu menggunakan instrumen suku bunga untuk menangani masalah informasi asimetrik melalui penaikan suku bunga kredit dan penerapan agunan (collateral) atas kredit. Sangat jelas masalah informasi asimetrik dapat menyebabkan akibat yang sangat serius terhadap masyarakat miskin. Oleh karena itu, mencari sistem keuangan yang imun terhadap masalah informasi asimetrik sangat mendesak untuk dikaji. Dalam masalah adverse selection khususnya bank tidak memiliki kemampuan dan pengetahuan untuk membedakan beberapa projek investasi berdasarkan risiko yang dihadapi. Sebagian besar bank komersial menjalankan sistem keuangan dan pembiayaannya berdasarkan skema suku bunga yang diketahui tidak mampu menyelesaikan masalah informasi asimetrik. Penelitian ini memberikan bukti formal bahwa perbankan syariah berbasis bagi hasil kebal terhadap masalah adverse selection
       
      Conventional banking system always uses either interest rate instrument to address asymmetric information problems by raising interest rate on loans or the application of collateral. It is clear that asymmetric information problems can lead to very serious consequences to the poor. Therefore, looking for financial systems which are immune to the problem of asymmetric information is urgent to be studied. Particularly in the adverse selection problem, the bank has no ability and knowledge to differentiate some investment projects based on their risks. Most of commercial banks conduct their banking and financial systems under interest scheme, which is vulnerable to asymmetric information problems. In this paper we provide a formal proof that sharia banking system, which operates under profit-and-loss sharing mechanism, has immunity against adverse selection problem
       
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      http://repository.ipb.ac.id/handle/123456789/72784
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      Copyright © 2020 Library of IPB University
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      Contact Us | Send Feedback
      Indonesia DSpace Group 
      IPB University Scientific Repository
      UIN Syarif Hidayatullah Institutional Repository
      Universitas Jember Digital Repository