Abstract

Musyarakah is Islamic principle that is applied to joint ventures where interest is not charged by the creditor of the loan, instead an agreement is made between the creditor and the buyer as to the share the creditor will get from the profit made from the venture. This also applies to any losses made in the business. The purpose of this study is to what extent the strengths, weaknesses, opportunities and challenges faced by Islamic Financial Institutions in musyarakah cooperation deal with the regulations of Bank Indonesia and jurisprudence of muammalah. The results of analysis show that 5 statements cannot be used because the r-count is smaller than rtable, so it can be said to be ineligible to meet the validity criteria. Whereas, 10 statements can be used because r-count is greater than r-table, so it can be said that it meets the conditions of validity on the statement of musyarakah partnership funding by sharia banks. Furthermore, the analysis of jurisprudence and regulation of bank indonesia in accordance is the contract is set rights and obligations, the bank does not engage in the customer management, funding, human resources understand about islamic banking operations, funding goes to the legitimate business, product offered by BMI is according to sharia, and financing to the employees.

Keyword : Human resources, Management, Musyarakah , Operational System, SWOT Analysis