{"id":697,"date":"2023-02-24T08:11:17","date_gmt":"2023-02-24T08:11:17","guid":{"rendered":"https:\/\/zonaedu.id\/?p=697"},"modified":"2023-02-24T08:11:17","modified_gmt":"2023-02-24T08:11:17","slug":"teliti-asimetri-informasi-bpr-sukamto-raih-doktor-di-pdim-unissula","status":"publish","type":"post","link":"https:\/\/zonaedu.id\/index.php\/2023\/02\/24\/teliti-asimetri-informasi-bpr-sukamto-raih-doktor-di-pdim-unissula\/","title":{"rendered":"Teliti Asimetri Informasi BPR Sukamto Raih Doktor di PDIM Unissula"},"content":{"rendered":"<p><em><strong>Eduglobal.id <\/strong><\/em>Sukamto SE MSi, Mahasiswa Program Doktor Ilmu Manajemen (PDIM)\u00a0<a href=\"https:\/\/unissula.ac.id\/\">Unissula<\/a>\u00a0berhasil meraih gelar doktor. Ia berhasil mempertahankan disertasinya dalam ujian terbuka pada Jumat (24\/2\/2023) di Fakultas Ekonomi\u00a0<a href=\"https:\/\/unissula.ac.id\/\">Unissula<\/a>. Disertasinya berjudul Musawah Quality Information Partnership: Asymmetric Information Reduction pada Pembiayaan\u00a0<em>Profit and Loss Sharing<\/em>\u00a0di BPR Syariah. Adapun pengujinya antara lain Prof Dr Ibnu Khajar,\u00a0 Bedjo Santoso MT PhD, Dr Arif Yulianto, Prof Dr Widodo, Prof Dr Nunung Ghoniyah, Dr Sri Hartono dan Prof Dr Heru Sulistyo.<\/p>\n<p>Menurut Sukamto asimetri informasi masih menjadi permasalahan pada pembiayaan\u00a0<em>profit and loss sharing<\/em>\u00a0atau bagi hasil di perbankan Islam, termasuk pada Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia. Asimetri informasi ini dikarenakan bank syariah kesulitan dalam mengakses informasi mengenai kulitas proyek, sementara nasabah memiliki informasi sepenuhnya tentang kemungkinan keberhasilan proyek yang dijalankan.<\/p>\n<p>Asimetri informasi adalah adanya satu pihak yang memiliki informasi lebih banyak dari yang lain, dimana principal adalah pihak yang tidak memperoleh informasi sepenuhnya oleh agen. Asimetri informasi dapat mengakibatkan adannya seleksi yang merugikan ketika mitra tidak memberikan informasi secara benar sehingga bank menyetujui pembiayaan, dan moral hazard dimana nasabah membuat keputusan bisnis yang merugikan bank.<\/p>\n<p>Oleh karenanya ia mengusulkan konsep kemitraan baru yaitu Musawah Quality Information Partnership (MQIP). Konsep ini merupakan hubungan kemitraan yang setara atas dasar nilai nilai tauhid. Adanya kemudahan akses informasi dan berbagi informasi terpercaya, sesuai kenyataan, saling menguntungkan, untuk mencapai manfaat bersama. Dampak baiknya musawah quality information partnership akan meningkatkan kinerja keuangan. Model MQIP mampu menurunkan resiko pembiayaan pada akad bagi hasil serta meningkatkan kualitas keuangan pada BPR Syariah Indonesia.<\/p>\n<p>Menurut Sukamto, sebaiknya hubungan bank syariah dengan nasabah merupakan hubungan kemitraan dengan prinsip kesetaraan (al musawah) yaitu kesetaraan atau kesamaan kedudukan dalam kerjasama yang di tuangkan dalam suatu akad terkait dengan hak dan kewajiban sehingga tidak saling merugikan.<\/p>\n<p>Dr Sukamto SE MSi merupakan lulusan ke 25 Program Doktor Ilmu Manajemen Fakultas Ekonomi\u00a0<a href=\"https:\/\/unissula.ac.id\/\">Unissula<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Eduglobal.id Sukamto SE MSi, Mahasiswa Program Doktor Ilmu Manajemen (PDIM)\u00a0Unissula\u00a0berhasil meraih gelar <a class=\"read-more\" href=\"https:\/\/zonaedu.id\/index.php\/2023\/02\/24\/teliti-asimetri-informasi-bpr-sukamto-raih-doktor-di-pdim-unissula\/\" title=\"Teliti Asimetri Informasi BPR Sukamto Raih Doktor di PDIM Unissula\" itemprop=\"url\"><\/a><\/p>\n","protected":false},"author":2,"featured_media":698,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"kia_subtitle":"","footnotes":""},"categories":[13],"tags":[],"newstopic":[],"class_list":{"0":"post-697","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-berita"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - 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