xii DAFTAR ISI HALAMAN JUDUL ....................................................................................... i HALAMAN NOTA PERSETUJUAN PEMBIMBING................................ ii HALAMAN PENGESAHAN.......................................................................... iii HALAMAN PENYATAAN ............................................................................ iv HALAMAN PERSEMBAHAN ...................................................................... v HALAMAN MOTTO ...................................................................................... vi KATA PENGANTAR ...................................................................................... vii ABSTRAK ........................................................................................................ ix DAFTAR ISI..................................................................................................... xii BAB I PENDAHULUAN A. Latar Belakang Masalah............................................................. 1 B. Rumusan Masalah ..................................................................... 5 C. Tujuan Penelitian ....................................................................... 5 D. Manfaat Penelitian ..................................................................... 6 E. Sistematika Penulisan ................................................................ 6 BAB II LANDASAN TEORI A. Manajemen Resiko..................................................................... 8 B. Akad Musyarakah ...................................................................... 19 C. Ijarah.......................................................................................... 32 D. Ijarah Al-Muntahiya bit Tamlik ................................................. 49 E. Penelitian Terdahulu .................................................................. 57 F. Kerangka Pikir ........................................................................... 58 BAB III METODE PENELITIAN A. Jenis dan Pendekatan Penelitian ................................................ 61 B. Lokasi Penelitian ........................................................................ 62 C. Subjek Penelitian ....................................................................... 62 D. Objek Penelitian ......................................................................... 63 E. Sumber Data............................................................................... 63 F. Teknik Pengumpulan Data ......................................................... 63 G. Uji Keabsahan Data ................................................................... 64 H. Teknik Analisis Data.................................................................. 67 BAB IV HASIL PENELITIAN DAN PEMBAHASAN A. Gambaran Umum Objek Penelitian ........................................... 69