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All Journal IJTIHAD Al-Iktisab: Journal of Islamic Economic Law Veteran Law Review JESI (Jurnal Ekonomi Syariah Indonesia) Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Jurnal Abdimas PHB : Jurnal Pengabdian Masyarakat Progresif Humanis Brainstorming Al Ahkam Kumawula: Jurnal Pengabdian Kepada Masyarakat AT-TASYRI' Jurnal Ilmiah Prodi Muamalah ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING JOURNAL OF INDONESIAN COMPARATIVE OF SYARIAH LAW JES (Jurnal Ekonomi Syariah MUAMALATUNA Al-Mizan : Jurnal Hukum dan Ekonomi Islam AL-FALAH : Journal of Islamic Economics At-Tasyri Jurnal Hukum Islam dan Ekonomi Syariah Journal of Community Practice and Social Welfare (JaCiPS) Ta’wiluna: Jurnal Ilmu Al-Qur’an,Tafsirdan Pemikiran Islam Educate: Journal of Community Service in Education FENOMENA: Jurnal Penelitian Qawanin: Journal of Economic Syaria Law Alhamra Jurnal Studi Islam AHKAM : Jurnal Hukum Islam dan Humaniora Abadi: Jurnal Ahmad Dahlan Mengabdi Jurnal Pengabdian Masyarakat Bangsa Pamasa: Jurnal Pengabdian kepada Masyarakat Karunia: Jurnal Hasil Pengabdian Masyarakat Indonesia FENOMENA: Journal of Social Science Journal of International Multidisciplinary Research Jurnal Hukum Islam Ziswaf Asfa Journal Journal of Economics, Bussiness and Management Issues Journal of Sharia Economic Law Journal of Aswaja and Islamic Economics KOPEMAS Besari: Journal of Social and Cultural Studies Journal of Economics and Tourism Welfare: Jurnal Pengabdian Masyarakat eJEBA The Indonesian Journal of Islamic Economics Research Journal of Shariah Economics
Retnowati, May Shinta
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Journal : journal of shariah economics

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The Implementation of Profit Sharing on Fathonah Education Savings Products at BMT NU Kapongan Situbondo Branch, East Java, Indonesia May Shinta Retnowati; Fadhila Sukur Indra; Yeni Zannuba Arifah; Devid Frastiawan Amir Sup
JOURNAL OF SHARIA ECONOMICS Vol. 4 No. 1 (2022): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v4i1.273

Abstract

Baitul Maal wa Tamwil (BMT) is a form of simple Islamic financial institution. BMT in its operational system carries out business and social activities. BMT NU Kapongan Situbondo branch is one of the BMT institutions, the application of its activities to the business sector (tamwil) can be in the form of savings or deposits and also financing activities are always based on sharia compliance, especially in funding or deposit activities at BMT NU Kapongan Situbondo branch. As for the profit sharing that will be obtained by the customer in the form of automatic money, the customer does not know for sure the amount of profit obtained from the contract. This study aims to analyze the implementation and determination of profit sharing in the mudharabah muthlaqah contract in the fathonah education savings product of BMT NU Kapongan Situbondo branch. The research method used in this study is a qualitative descriptive method. The results of the study explain that the implementation of fathonah education savings is in accordance with sharia principles in terms of fulfillment rather than contracts, this can be proven by the owner of capital giving freedom to mudharib (BMT). However, the distribution of the profit sharing ratio is not fixed because there are several things, including the small number of customers who collect their funds in fathonah education savings products and the small profit income from managed capital, causing the context of determining the profit sharing ratio not in accordance with the specified contract.
Co-Authors Abd.Rahman, Zayyad Ageng Riz’y Waluyo Ahmad Muqorobin Aisy Rahmania Al Faruqi , Musta’an Al Faruqi, Musta’an Al-Huzwah, Fatya Zahwa Alatas, Muhammad Ali Alqudrih, Qomsin Amrullah, Muhammad Ilham Anis Humaidi, Anis Annas Syams Rizal Fahmi Annas Syams Rizal Fahmi Annas Syams Rizal Fahmi Anwar, Emha Afifudzaki Ardiyanti, Dwi Arjuna, Agma Averro, Muhammad Faruq Azidni Rofiqa Aziz Kurniawan Daniswara, Aliyya Lathifa Daud Sukoco Devid Frastiawan Amir Sup Dimyati Huda, Muhammad Elsyafa, Thoriq Izza Emha Afifudzaki Anwar Fadhila Sukur Indra Fahmi, Annas Syams Rizal Fajar Satriyawan Wahyudi Faruqi, Musta’an Al Fawwaz Raihan Firda Rahmi Aliya Putri, Sri Ghufron, Isa Lazuardi Hamzawi, M. Adib Harist, Dinar Naufal Hesti Rokhaniyah, Hesti Ihsan Hudiana Ihsan, Syahrul Imam Kamaluddin Iman Nur Hidayat Inaiyaya Zuhrifa Allhumahira Intan Puspitasari Kamila , Arfah Kusumastuti, Anisa Silvi Lathiefa Rusli M. Ilham Nazaruddin Noor Mafaz, Mafaz Maranti, Safika Masyail, Muhammad Shidqi Meitria Cahyani Milenia Ayu Saraswati Milenia Ayu Saraswati Mohammad Syifaurrosyidin Muhammad Abdul Aziz Muhammad Abdul Aziz Muhammad Fajar Hamijar Muhammad Faruq Averro Muhammad Irkham Firdaus Muhammad Rabbani Ridho Muhammad Ulul Azmi MUNAWAROH, HIFDHOTUL Namira Muthia Rosalina Naufal, Muhammad Zaky Nizomul Mulki Noor, M. Ilham Nazaruddin Nuarisa, Risma Hafida Nur Helmy Iffah Wafiyah Prasanti, Noviana Pratama, Agma Arjuna Rizky Pratama, Ardena Afif Qoharuddin, Moch. Azis Qomsin alqudrih Rachmawati, Andini Rafifahnur, Nisrina Rahmania, Aisy Rashda Diana Rizki Apriliani Rofiqa, Azidni Sahputra, Jaya Salwa Fuadia Selamet Hartanto Setiawan, Suhada Silvi Kusumastuti, Annisa Sujatmiko, Muhammad Sukma, Arti Mutiara Uluum, Muhammad Miftachul Vina Fithriana Wibisono Wahyudi, Fajar Satriyawan Widagdho, Aryyo Yeni Zannuba Arifah Yusuf, M. Asror Zuhroh, Ainun Amalia Zulfatus Sa’diah