EFEKTIVITAS PENERAPAN FATWA DEWAN SYARIAH NASIONAL No 7 / DSN-MUI / IV / 2000 TENTANG PEMBIAYAN MUDHARABAH MENGENAI ANALISIS KELAYAKAN MUDHARIB DALAM PENGAJUAN PEMBIAYAAN MUDHARABAH PADA KOPERASI DI BANK SYARIAH (Studi di PT Bank BRI Syariah Cabang Banyuw

Wahyu Arifma Hadi, Warkum Sumitro.,SH.,MH., Dr. Reka Dewantara., SH., MH Fakultas Hukum Universitas Brawijaya Wahyuarif567.WA@gmail.com  Pembiayaan mudharabah (qiradh) yaitu akad kerjasama suatu usaha antara dua pihak di mana pihak pertama (malik, shahib al-mal, LKS) menyediakan seluruh modal, sedang pihak kedua (‘amil, mudharib, nasabah) bertindak selaku pengelola, dan keuntungan usaha dibagi di antara mereka sesuai kesepakatan yang dituangkan dalam kontrak. Didalam permohonan pembiayaan mudharabah perlu adanya analisa kelayakan yang sesuai dengan fatwa dewan syariah nasional no 7 / dsn-mui / iv / 2000 tentang pembiayan mudharabah, sehingga berjalan secara efektif sesuai dengan substansi, struktur dan budaya hukum. Ketentuan menurut teori dari efektivitas sangat disepelekan oleh pihak – pihak pada saat melakukan analisa kelayakan pembiayaan dan setelah pembiayaan tersebut berjalan. Oleh karena itu peneliti ingin melakukan penelitian mengenai analisis kelayakan seorang mudharib dalam pembiayaan mudharabah dan hambatan serta upaya dari pembiayaan tersebut.  Kata Kunci: Pembiayaan Mudharabah, Analisa Kelayakan, Teori Efektivitas    ABSTRACT THE EFFECTIVENESS OF THE IMPLEMENTATION OF THE FATWA OF NATIONAL SYARIA BOARD NO. 7 / DSN-MUI / IV / 2000 ON MUDHARABAH FUNDING CONCERNING THE FEASIBILITY ANALYSIS OF MUDHARIB IN THE MUDHARABAH FINANCING APPLICATION IN COOPERATION IN SYARIA BANK (A Study in PT Bank BRI Syaria of Banyuwangi Branch)  Wahyu Arifma Hadi, Warkum Sumitro., SH., MH., Dr. Reka Dewantara., SH., MH Faculty of Law Universitas Brawijaya  Wahyuarif567.WA@gmail.com  Mudharabah financing (qiradh) is ana business contract between two parties in which the first party (malik, shahib al-mal, LKS) provides the entire capital, while the second party ('amil, mudharib, nasabah) serves as the administrator, and the proft obtained is shared between them as agreed in the contract. In the mudharabah financing application, a feasibility analysis needs to be conducted in accordance with the fatwa of national syaria board no 7 / DSN-MUI / IV / 2000 on mudharabah financing so that it can be conducted effectively in accordance with the legal substance, structure, and culture. Regulation based on the theory of effectiveness is much neglected by parties whilst conducting financing feasibility analysis and when the financing is on progress. Therefore, the focus of this thesis was to analysing the feasibility of a mudharib in mudharabah financing and the obstacles encountered and solutions offered in the process  Keywords: Mudharabah Financing, Feasibility Analysis, Effectiveness Theor