Implementasi Akad Mudarabah Pada Lembaga Keuangan Mikro Syari’Ah DI Kecamatan Purbalingga Kabupaten Purbalingga Dalam Perspektif Fikih (original) (raw)
Related papers
Implementasi Murabahah Ditinjau Dari Perspektif Fikih
Murabahah adalah jual beli barang pada harga asal dengan tambahan keuntungan yang disepakati. Dalam murabahah, penjual harus memberitahu harga pokok yang ia beli dan menentukan tingkat keuntungan yang disepakati. Murabahah merpakan salah satu dari bentuk akad jual beli yang telah banyak dikembangkan sebagai sandaran pokok dalam pembiayaan modal kerja dan investasi dalam perbankan syariah yang memiliki prospek keuntungan yang cukup menjanjikan. Karena keuntungan yang menjanjikan itulah Sehingga semua atau hampir semua lembaga keuangan syariah menjadikannya sebagai produk financing dalam pengembangan modal mereka. Ketentuan umum murabahah di LKS adalah sebagai berikut: 1. Jual murabahah harus dilakukan atas barang yang telah dimiliki atau hak kepemilikan telah berada ditangan penjual. 2. Adanya kejelasan informasi mengenai besarnya modal (harga pembelian) dan biaya-biaya lain yang lazim dikeluarkan dalam jual beli.
Akad Tijarah Dalam Praktek Di Lembaga Keuangan Mikro Syariah - BMT
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam
Purpose- Akad tijarah as a form of trade agreement has several types, in which needs to be adjusted to each necessity. It is important for related parties to understand what and how akad ijarah works. This article analyses how far the contribution of an Islamic microfinance institution (LKMS) nowadays, considering there are nash (Al-Qur’an and Al-Hadits) and also fatwa the national sharia council (DSN) MUI. Methods- Case studies and literature reviews are used to evaluate sharia business practices in BMT. Findings- Sharia microfinance institutions, in this case, BMT TUMANG, have carried out sharia principles in practice, especially for tijarah agreements with documents in the form of SOM and SOP as well as financing contracts (agreements), both in the principle of sale and profit-sharing. Implications/Limitations- This study is limited to one branch of the BMT so it cannot describe the overall practice carried out in other regions.
The development of Islamic financial institutions in Indonesia is very fast even though it is a new institution that all products are new in this Muslim-majority country. This study will test the competence variables account syariah officer and risk of financing in relation to the financing is affecting performance, and will also test the variable business ethics and information asymmetry in relation to risk and financial performance. Sample of this research is Islamic Microfinance Institutions in Jember and Bondowoso with respondent managers and leaders Sharia Micro finance Institutions using primary data obtained through questionnaires. This study used a quantitative approach and the data processing using Partial Least Square (PLS). Final output of this research is the development of arisk reduction model of financing is an attempte scalation of financing performance.
Analisis Implementasi Akad Murabahah pada Pembiayaan Modal Usaha Mikro
2021
This study aims to analyze the implementation of the murabahah contract on micro business capital financing. This research is a field research by taking the location at BMT Khairul Amin Martapura. The data in this study are qualitative data consisting of primary data and secondary data. The data obtained through the method of documentation, observation and interviews. The data that has been collected is then analyzed using descriptive analysis method. The results of this study resulted in the findings that the implementation of micro business financing products using murabahah contracts at BMT Khairul Amin consisted of submitting financing by customers, fulfilling data and documents, business surveys and guarantees, administrative analysis, financing analysis, granting of wakalah authorization and financing disbursement, reporting. proof of purchase and contract of murabahah financing agreement. In practice at BMT Khairul Amin, micro business financing products that use murabahah co...
Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum, 2018
This research focuses on analyzing the position of Sharia Micro Finance Institution-Bank Wakaf Mikro (Lembaga Keuangan Mikro Syariah-Bank Wakaf Mikro/LKMS-BWM) in positive law. Furthermore, this research explores the management and activities of LKMS-BWM in empowering micro-businesses in D.I. Yogyakarta. This is normative legal research and focused on analyzing secondary data, specifically all regulations related to Syariah Micro Finance Institution. The research uses Statutory Approach and Conceptual Approach. The results of this research were analyzed qualitatively. This research finds that: (1) The legal position of LKMS-BWM is an institution incorporated as a Service Cooperative and has a business license known as Sharia Micro Finance Institution; (2) Management and activities of LKMS-BWM in D.I. Yogyakarta involves various stakeholders consisting of donors, LAZNAS BSM UMAT, BWM, and Productive Poor Communities. Financing activities are given in the form of social contracts (qardh) at the first stage and a business contract (tijārah) at the next stage according to the fatwa (Islamic instructions of rules) DSN-MUI.
Analisis Akad Mudharabah Dalam Lembaga Keuangan Syari’Ah
Et-Tijarie: Jurnal Hukum dan Bisnis Syariah
Mudharabah is a labor cooperation contract between two parties where the first person (shahibul mal) prepares 100 % modal, and the other person becomes manager. In mudharabah system Labor benefit is divided based on the agreement written in the contract. In this system losing out is endured by the owner of modal as far as it is not caused by manager careless. If the lose is caused by dishonesty or manager negligent, so the manager has to endure it. Here mudharabah fundamental concept that can be found in this writing. It will be analysis center for comparing the Islamic banking and conventional banking. The different of the both is in profit or benefit taken from the transaction. Conventional banking based the benefit on the interest, from the modal determined it’s profit formerly (riba), and in Islamic banking it is got from the thing called repayment, either fee base income or margin of loss and profit sharing. Key Word : Mudharabah, Islamic banking, margin, loss and profit sharin...
IMPLEMENTASI MURABAHAH DI LKS DITINJAU DARI PERSPEKTIF FIQIH.pdf
Dewasa ini lembaga keuangan yang berlabel syari’ah berkembang dalam skala besar dengan menawarkan produk-produknya yang beraneka ragam. Namun Banyak masyarakat yang masih bingung dengan istilah-istilah syariah tersebut dan masih ragu apakah benar semua produk tersebut adalah benar-benar jauh dari pelanggaran syariat Islam ataukah hanya rekayasa semata. Melihat banyaknya pertanyaan seputar ini maka dalam makalah ini penulis akan membahas salah satu produk tersebut dalam konsep perbankan syariah. Salah satu dari produk tersebut adalah Murabahah. Murabahah adalah jual beli suatu barang di mana penjual memberitahukan harga belinya kepada pembeli dan pembeli membayarnya dengan harga yang lebih sebagai laba yang disepakati.Di antara dalil yang menjadi landasan syari’ah jual beli murabahah adalah Alquran, yakni dalam QS. Al-Baqarah: 275 dan QS. AN-Nisa: 29, serta hadits Nabi. Syarat jual beli murabahah antara lain: Penjual memberi tahu biaya modal kepada nasabah, kontrak pertama harus sah sesuai dengan rukun yang ditetapkan, kontrak harus bebas dari riba, penjual harus menjelaskan kepada pembeli bila terjadi cacat atas barang sesudah pembelian, penjual harus menyampaikan semua hal yang berkaitan dengan pembelian, misalnya jika pembelian dilakukan secara utang. Sedangkan rukun dari jual beli murabahah adalah ada penjual, pembeli, barang yang diperjual belikan beserta harganya dan akad. Teori Islam mengenai modal tidak saja tentang penghematan dan produktivitas, tetapi juga tentang preferensi likuiditas. Murabahah lil amir bissyira’ merupakan jual beli murabahah yang dilakukan dengan cara pemesanan.Bai’ bitsaman ajil adalah jual beli barang dengan pembayaran cicilan.
Implementasi Wakalah Pada Lembaga Keuangan Mikro Syariah
2015
Islam provides an opportunity for people to have an economic creativity (muamalah) in order to facilitate his people to fulfil their needs. However, they should still referring to the general rules that have been outlined and not violates a general rule that is not permissible in Islam. Muamalah of human creations are also found in financial institutions such as the financing of products, and Murabaha with wakalah. however, the implementation of this agreement in the Islamic financial institutions particularly Islamic microfinance institutions often found not suitable with Islamic regulation. Thus, it indicates that the rules that have been violated, that is make the financing of islamic institution same with the conventional financial institutions. Islam memberikan peluang bagi umatnya untuk melakukan kreasi di bidang ekonomi atau muamalah agar bisa memudahkan umatnya dalam memenuhi kebutuhan hidupnya. Pembolehan kreasi tersebut tidak lepas begitu saja, tetapi tetap meru...
Penerapan Mudharabah DI Perbankan Syari’Ah
JOURNAL EKONOMI, KEUANGAN, PERBANKAN DAN AKUNTANSI SYARIAH
Berbagai fenomena tentang ekonomi syari’ah berseliweran dalam pikiran kita. Satu fenomena itu adalah Mudharabah, dimana suatu konsep bagi hasil atau profit sharing yang menjadi ciri dari mudharabah. Banyak perbankan yang mulai mempertimbangkan ditiadakannya konsep mudharabah ini, karena kurangnya peminat atau tidak profitablenya bagi perbankan itu sendiri. Sampai sejauhmana mudharabah ini menjanjikan keuntungan bagi para pelaku, mulai dari definisi, jenis sampai rukun dan syarat serta hal-hal yang membatalkan mudharabah. Inilah yang ingin penulis kaji dalam tulisan kali ini. Metode yang digunakan adalah library research, yaitu serangkaian kegiatan yang berkenaan dengan metode pengumpulan data pustaka. Hasil pembahasannya berupa bagaimana penerapan mudharabah ini di perbankan syari’ah.