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All Journal KONSELI: Jurnal Bimbingan dan Konseling (E-Journal) Jurnal Obsesi: Jurnal Pendidikan Anak Usia Dini Edukasi Islami: Jurnal Pendidikan Islam Education Achievement: Journal of Science and Research At-Tadbir : Jurnal Manajemen Pendidikan Islam Center of Knowledge Edu Society: Jurnal Pendidikan, Ilmu Sosial dan Pengabdian Kepada Masyarakat Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Coution : Journal of Counseling and Education
Putra, San
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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INVESTASI BAGI HASIL DALAM EKONOMI MIKRO ISLAM Hendra, Hendra; Putra, San; Gunawan, Hadi
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 5, No 1 (2026): Jan 2026
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v5i1.28038

Abstract

Profit-sharing investment represents a cornerstone of Islamic microeconomics, embodying principles of justice, risk sharing, and ethical financial participation. This study aims to analyze the implementation, challenges, and optimization strategies of profit-loss sharing (mudharabah and musyarakah) contracts in microeconomic contexts. Employing a qualitative descriptive-analytical approach, data were collected from secondary sources, including scholarly articles, books, and institutional reports published within the last five years. The findings indicate that while profit-sharing investment has significant potential to empower micro-entrepreneurs and promote financial inclusion, its practical implementation is constrained by institutional limitations, information asymmetry, risk aversion, and regulatory ambiguity. Successful application of profit-sharing mechanisms depends on transparency, participatory monitoring, financial literacy, and supportive social and legal frameworks. The study also identifies strategic pathways to optimize profit-sharing investment, such as institutional capacity building, technological adoption, and policy interventions. Overall, profit-sharing investment can serve as an effective, inclusive, and ethically grounded tool in Islamic microeconomics, provided that both institutional and socio-cultural conditions are adequately addressed.
Co-Authors Abdi, Yudistira Arif Rahman Chandra, Andriana Alnazhira Dina, Risma erdiyah, elva Hadi Gunawan, Hadi Hemawati Hendra Hendra Junaidi Junaidi Karo Karo, Jamal Thahir Muhammad Alridho Lubis Mulyani, Dita Nst, Abdul Halim Nurhasanah Nurhasanah Pohan, Indra Satia Robin Sirait Sari, Darmaida Satriyadi, Satriyadi Siagian, Maslina Simaremare, Aman Syahputra, Eka Bayu