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All Journal Jurnal Ilmiah Ekonomi Islam al-Uqud : Journal of Islamic Economics JURNAL SCHEMATA : Pascasarjana UIN Mataram Journal of Islamic Monetary Economics and Finance The International Journal of Business Review (The Jobs Review) Jurnal Edukasi (Ekonomi, Pendidikan dan Akuntansi) Review of Islamic Economics and Finance Jurnal Wahana Pendidikan TSARWATICA (Islamic Economic, Accounting, and Management Journal) Syari'ah Economics Sosio-Didaktika: Social Science Education Journal Journal Of Islamic Social Finance Management Iqtisad : Journal of Islamic Economic and Civilization
Adirestuty, Fitranty
Universitas Pendidikan Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Journal : syari'ah economics

 1 
FINANCING ANALYSIS OF SMALL AND MEDIUM ENTERPRISES USING MUDHÂRABAH CONTRACTS IN KOPERASI SIMPAN PINJAM AND SHARIA FINANCING BAIT AL-MÂL WA AL-TAMWÎL EL-TAQWA CIAMIS Fitranty Adirestuty; Rini Irnawati; Yani Mulyani
Syari'ah Economics Vol 4 No 2 (2020): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (371.983 KB) | DOI: 10.36667/se.v4i2.201

Abstract

This study aims to analyze the financing of Micro, Small, and Medium Enterprises (MSMEs) using the mudhârabah contract provided by KSPPS-BMT eL-Taqwa Cidewa Ciamis. The mudhârabah financing product KSPPS-BMT eL-Taqwa Cidewa Ciamis is a solution for interest-based banks. This descriptive-qualitative research utilizes observation, interview, and document study techniques to obtain data information. The results showed that the implementation of the mudhârabah contract at KSPPS-BMT eL-Taqwa Cidewa Ciamis in determining the profit-sharing was adjusted to the understanding and requests of prospective customers. Two categories of profit-sharing are carried out, the profit-sharing ratio (%) for both parties is determined at the beginning of the contract before the income is known so that the monthly installment payments are fixed, and the profit-sharing ratio (%) is determined at the beginning of the agreement. Still, the installment payments are not fixed because adjusted to customer income. As for the role of the mudhârabah contract for micro, small and medium enterprises (MSMEs), of course, there are various kinds of developments experienced by every entrepreneur, seen from the good developments and some experiencing poor development so that they encounter obstacles in their business.
Co-Authors Al Adawiyah, Rumaisah Azizah Azizah Al Adawiyah, Rumaisah Chazanah , Indah Nur Deni Iskandar Egi Arvian Firmansyah Elis Mediawati, Elis Eri Wirandana Fauzi, Imam Rizki Gunawan, Noviandra Hilda Monoarfa Ibadurrohman Siddiq Ichsana, Yera Juliana Juliana Juliana Juliana Kiki Hardiansyah Kodri Kodri, Kodri M. Sholahuddin Mery Mary Monoarfa, Hilda Muhammad Askha Refsanjani Muhammad Irsyad, Syaiful Neti Budiwati Nur Chazanah, Indah Rini Irnawati Ririn Tri Ratnasari Salma Khairun Nisa Tia Yuliawati Wirandana, Eri Yani Mulyani Yera Ichsana