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"ABSTRAKPenelitian ini bertujuan untuk menganalisis faktor apa saja yang menjadipertimbangan nasabah dalam menggunakan bank syariah. Sample dalampenelitian ini berjumlah 200 orang yang sedang menggunakan produk dari BankSyariah. Penelitian ini di melakukan CFA terhadap item yang ada dan melakukanEFA untuk mendapatkan faktor baru dari item itu dengan menggunakan programSPSS. Dalam penelitian ini ditemukan bahwa terdapat 5 faktor yang menjadipertimbangan nasabah dalam menggunakan Bank Syariah. Penelitian ini jugamenemukan bahwa sebagian besar konsumen merasa puas dan tidak adaperbedaan yang signifikan antara kepuasan berdasarkan jenis kelamin, pekerjaan,pendapatan dan usia

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ABSTRACTThis study aimed to analyze what factors are taken into considerationcustomers in using Islamic banks. Sample in this research were 200 peoplewho are currently using the product from Bank Syariah. This study did CFA onitems available and make EFA to get a new factor of the item by using SPSS. Inthis study it was found that there are five factors into consideration customersin using Islamic Bank. The study also found that most consumers are satisfiedand there is no significant difference between satisfaction by gender,occupation, income and age."

"Investasi pembiayaan mudharabah merupakan suatu bentuk produk penyaluran dana perbankan syariah yang dilakukan berdasarkan akad bagi hasil dengan prinsip syariah. Pemberlakuan Undang-Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah sebagai hukum nasional, diharapkan dapat membangun ekonomi kerakyatan sebagaimana yang diamanatkan dalam Pasal 33 Undang-Undang Dasar 1945.Didukung dengan POJK Peraturan Otoritas Jasa Keuangan , PBI Peraturan Bank Indonesia dan Fatwa DSN/MUI sebagai aturan pelaksanaan, melengkapi operasional produk perbankan tersebut. Permasalahan yang terjadi dalam realita adalah akselerasi hukum yang ada ternyata belum dapat mendorong pertumbuhan produk investasi pembiayaan mudharabah terutama yang ditujukan bagi pelaku usaha kecil perorangan. Proses pengajuan pembiayaan dan persyaratan jaminan bank yang rumit, memberatkan, serta tingginya faktor risiko high risk pada pembiayaan investasi mudharabah menjadi kendala tumbuhnya produk tersebut. Terlihat juga adanya ketidaksetaraan kedudukan antara shahibul maal dan mudharib pada saat perikatan transaksi akad. Mudharib tidak memiliki posisi tawar dalam nisbah bagi hasil. Penelitian ini menitikberatkan pada analisis dan implementasi penerapan nilai-nilai syariah pada hukum positif termasuk faktor-faktor yang mempengaruhi, terhadap investasi pembiayaan mudharabah serta meneliti penyebab produk tersebut belum dapat berkembang. Diperlukan restrukturisasi peraturan perundang-undangan agar implementasi investasi pembiayaan mudharabah dapat menjadi penggerak sektor riil tanpa menghilangkan kemurnian prinsip syariah.

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Mudharabah financing investment is a form of the product of Islamic banking fund distribution based on profit sharing agreement with sharia principles. The enactment of Law Number 21 of 2008 concerning Sharia Banking as a national law, is expected to build a populist economy as mandated in Article 33 of the 1945 Constitution. Supported by, OJK Otoritas Jasa Keuangan Regulations Sharia related, Bank Indonesia Regulation PBI and also The fatwa by the National Sharia Board Dewan Syariah Nasional DSN of Indonesian Ulema Council Majelis Ulama Indonesia MUI as implementation rules, operational banking products. The problem that occurs, in reality, is that the acceleration of law is not yet able to encourage the growth of mudharabah financing investment products, especially those aimed at individual small business actors. The complicated and costly process of financing and bank guarantees, as well as the high risk factors of mudharabah investment financing, are the obstacles to the growth of these products. Also visible inequality of position between shahibul maal and mudharib at the time of commitment contract. Mudharib has no bargaining position in the profit sharing ratio. This study focuses on the analysis and implementation of the application of sharia values to positive law including the factors that affect the investment of mudharabah financing and investigate the cause of the product has not been able to develop specially in Bank Muamalat Indonesia. Restructuring of legislation required for the implementation of mudharabah financing investment can be a driver of the real sector without eliminating the purity of sharia principles. Human resources factors, related institutions, and government are expected to be an element supporting the implementation of mudharabah investment in pure sharia."

"Basically, there is no distinction on classic Figh, on law of the Republic of Indonesia Number 1 of the year 1974 on Marriage, and Islamic Law Compilation relate to children care right. The distinction is merely on the determination of age limit of mumayyiz. When divorce occurs, children before 12 years old (before mumayyis) is to be the right of the mother or a close relative to the mother, while the cost of bringing up the children will be the responsibility of the father. In a particular condition, the children care right may move to the father. Even, on Act No. 1/1974 states that the right one of the parents can be withdrew if one or both of the parents neglect their duties and perform extremely bad behaviour."