PENGARUH ASPEK HUKUM PERJANJIAN (AKAD) DAN PENJAMINAN TERHADAP ANTISIPASI PEMBIAYAAN BERMASALAH PADA PT. BPRS RAHMA SYARIAH JL. DR WAHIDIN NO. 85 KECAMATAN GURAH KABUPATEN KEDIRI

Islamic Bank is a financial institution in its activities to collect public fundsand distribute funds to the community by using the principles of sharia. Inparticular BPRS Islamic Bank are doing a lot of traffic is certainly not foreignfinancing when associated with the agreement and guarantee. Agreements always be done in a contract any loan product Islamic Bank. However, for the agreement bind the need for collateral and guarantees that can bind when a breach occursin the following days. The agreement was legally binding. But the fact still happened financing problems. At least the existence of agreements, guarantees and collateral can be overcome or minimize the problem of financing. So with that bond customers will be more responsible and discipline again any agreements that have been made previously.Kata Kunci: perjanjian, penjaminan, agunan, pembiayaan bermasalah