Abstract

All Islamic banking products must adhere to existing Islamic principles, including financing products with guaranteed Educator Certificates. Considering that this product is issued by all Sharia and conventional BPRs with almost the same mechanism of lending, starting from the type of guarantee and the amount of the installments. Therefore this paper aims to review more about the sharia concept contained in the financing product with the guarantee of the educator's certificate, as well as how the impact on banking risk management. This research is a social research with a type of descriptive research that is explored using an approach method based on banking regulation such as Bank Indonesia regulations, besides that it also uses principles / concepts in Islamic law. And the results of the study explain that there is still a lack of clarity on the concept of Sharia financing products with guaranteed educator certificates. Because Islamic banking products must remain guided by Islamic shari'ah, among others, they do not contain elements of maysir, Gharar, Riba, and their business sector must be halal. If tracing on one of the available evidence and based on the observation of the researcher, it can be concluded that this product has fully contained the Sharia concept, because this product has not been able to avoid the element of maysir, ghrarar, and the transaction halal element is still in doubt. This type of product can be said to have a high level of risk if you look at the financing mechanism, but based on the NPL data owned by BPRS X, it does not succeed in proving that a high level of income will be followed by a high level of risk.

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