Implementasi Pembiayaan Mudharabah Pada Baitul Maal Wat Tamwil (BMT) Ummat Sengkang Dalam Perspektif Ekonomi Islam

Nurul Mawaddah; Idris Parakkasi; Muslihati

doi:10.55606/jupumi.v4i2.3806

Authors

Nurul Mawaddah Universitas Islam Negeri Alauddin Makassar
Idris Parakkasi Universitas Islam Negeri Alauddin Makassar
Muslihati Universitas Islam Negeri Alauddin Makassar

DOI:

https://doi.org/10.55606/jupumi.v4i2.3806

Abstract

This study aims to determine the mechanism of mudharabah financing at BMT Ummat Sengkang from an Islamic economic perspective. This study uses qualitative research with a phenomenological approach. The data sources used are primary data and secondary data where the data is obtained directly from the main source, while the data is obtained through interviews, observations, and documentation. The results of the study indicate that the mudharabah financing mechanism at BMT Ummat Sengkang is in accordance with the provisions of fatwa No. 7 / DSN-MUI / IV / 2000 concerning the pillars and conditions of mudharabah and in its transactions it reflects the principles of sharia which do not contain usury, gharar, and maysir. However, mudharabah financing at BMT Ummat Sengkang still needs to be improved by providing convenience in submitting financing.

References

Ananda, Dimas. “Implementasi Akad Mudharabah Pada Baitul Maal Wa Tamwil (Studi Komparatif Pada BMT PSU dan Kanindo)”. Jurnal Ilmiah FEB Vol.3 No.1, 2016.

Karim, Adiwarman. “Ekonomi Mikro Islami”. Jakarta: III T Indonesia, 2022

Rifai, Bachtiar. “Efektivitas Pemberdayaan Usaha Mikro Kecil Menengah”. Jurnal Sosia Humaniora Vol. 3 No. 4, September 2012.

Rijal, Samsul. “Mudharabah dan Aplikasinya Dalam Perbankan Syariah”. Jurnal Kajian Hukum Ekonomi Syariah, Vol. 7 No. 1, Juni 2015

Suhel, Ahmad. Skripsi: “Analisis Pembiayaan Mudharabah Pada BMT Dalam Meningkatkan Pendapatan Pedagang Di Pasar Tradisional Desa Paciran”. Surabaya: UIN Sunan Ampel, 2018.

Sudjana, Krisna dan Rizkison. “Peran Baitul Maal Wat Tamwil (BMT) Dalam Mewujudkan Ekonomi Syariah Yang Kompetitif”. Jurnal Ilmiah Ekonomi Islam, Vol 6 No. 2, 2020.

Sumadji dkk. “Kamus Ekonomi Edisi Lengkap”. Jakarta: Wacana Intelektual, 2021.

Soemitra, Andri. “Bank dan Lembaga Keuangan Syariah”. Jakarta: Kencana, 2010.

Wiratna V Sujarweni, “Metodologi Penelitian Penelitian”. Yogyakarta: Pustaka Baru Pres, 2021.

Yin, Robert K. “Studi Kasus”. Jakarta: Rajawali Pres, 2020.