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Journal : Mutanaqishah: Journal of Islamic Banking

Application of Mudharabah Contract on Business Capital Financing Products at BMT ANFA' NU Umi Arifah; Achmad Nur Alfianto; Yeny Fitriyani
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1573

Abstract

This research explores the use of mudharabah contracts in capital financing products at BMT Anfa' NU, an Islamic microfinance institution. Using qualitative methods, especially grounded theory, this study reveals that BMT Anfa' NU complies with the profit sharing principle determined at the beginning of the contract and provides funding on a weekly or monthly basis. The business capital financing products offered are in accordance with Sharia guidelines, with procedures that include application submission, document collection and feasibility assessment. This research provides a comprehensive understanding of the implementation of mudharabah agreements in financing business capital at BMT Anfa' NU, as well as the steps needed to access business capital through this sharia financial institution. In addition, this research provides practical recommendations to BMT Anfa' NU to improve the quality of mudharabah contract implementation and can serve as a guide for other Islamic microfinance institutions.
Optimizing the Role of KSPPS ERA in Supporting the Development of Small and Medium Enterprises Ulfiatha Chaerunisa Amir; Achmad Nur Alfianto; Fuad Yanuar Akhmad Rifai
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1589

Abstract

This research explores the role of KSPPS ERA in developing SMEs through the provision of interest-free loans and the impact of support on SME growth. The objectives of this study were to identify and analyze the contribution of KSPPS ERA in supporting local SMEs, observe the impact of interest-free loans on business development, and understand how an Islamic finance approach can strengthen the small and medium enterprise sector. The descriptive qualitative method was used in this study with data collection through interviews by KSPPS ERA management, SMEs, and direct observation of KSPPS ERA's business activities and operations. The results show that KSPPS ERA's support is mainly through interest-free loans, and help in developing local SMEs. SMEs welcome this support because it can increase income, expand business, and increase labor in SMEs that get financing without considering loan interest.