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All Journal JURNAL KARSA (Terakreditasi No. 80/DIKTI/Kep/2012) EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam KARSA: Jurnal Sosial dan Budaya Keislaman (Journal of Social and Islamic Culture) Dirosat : Journal of Islamic Studies al-Afkar, Journal For Islamic Studies Jurnal Yuridis Reflektika Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam El-Waroqoh : Jurnal Ushuluddin dan Filsafat Bayan lin-Naas : Jurnal Dakwah Islam Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Journal of Management and Islamic Finance Jurnal Ekonomika Dan Bisnis El-Fata: Jurnal Ilmu Tarbiyah Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Concept: Journal of Social Humanities and Education COMPETITIVE: Journal of Education LECTURES: Journal of Islamic and Education Studies Multiverse: Open Multidisciplinary Journal ATTAQWA: Jurnal Pendidikan Islam dan Anak Usia Dini ORGANIZE: Journal of Economics, Management and Finance DIROSAT: Journal of Education, Social Sciences & Humanities International Journal of Trends in Accounting Research Beginner: Journal of Teaching and Education Management Amandemen: Journal of Learning, Teaching and Educational Studies Al-Fadlan: Journal of Islamic Education and Teaching Neraca Manajemen, Akuntansi, dan Ekonomi Jurnal Investasi Islam Demagogi: Journal of Social Sciences, Economics and Education Bayan lin-Naas : Jurnal Dakwah Islam Assyarikah: Journal Of Islamic Economic Business Journal of Economic and Islamic Research Al-Fadilah: Islamic Economics Journal El-Waroqoh : Jurnal Ushuluddin Dan Filsafat Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Jurnal Ekonomi, Bisnis dan Manajemen Reflektika
Holilur Rahman
Institut Dirosat Islamiyah Al-Amien (IDIA) Prenduan
Religion Arts Humanities Astronomy Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Physics Public Health Social Sciences Other

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Journal : Multiverse: Open Multidisciplinary Journal

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Analisis Sistem Bagi Hasil Produk Mudarabah pada Pembiayaan Modal Usaha Bank Syariah (Studi Kasus BPRS Bhakti Sumekar Kantor Cabang Pragaan) Rahman, Holilur; Hasanah, Rif’atul
Multiverse: Open Multidisciplinary Journal Vol. 2 No. 1 (2023)
Publisher : Medan Resource Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57251/multiverse.v2i1.986

Abstract

Business capital financing is a financial product offered by banks to support the growth and expansion of customer businesses. Customers or financed parties are required to repay the funds or bills within a specified period, in exchange for profit sharing. This study focuses on the profit sharing system in business capital financing products at BPRS Bhakti Sumekar Pragaan branch office, particularly examining its compliance with Islamic business ethics. Using qualitative field research, the study employed interviews with the branch office's leadership and accounting officers as the primary data collection method. The findings revealed that while the branch office utilizes a profit and loss sharing system, it does not fully adhere to Shari'ah principles. The profit sharing amount remains constant each month, unrelated to actual business profits, as it relies on assumptions and profit projections. This approach stems from the bank's concerns regarding customers' honesty in reporting their business profits. To mitigate the risk of non-payment, the bank ensures fixed principal installments and consistent profit sharing amounts throughout the financing period
Co-Authors A Hasib Abdul Hannan Abdullah Muhammady Ach Subairi Ach.Sudaryo Ade Faizin Ahadiah Hanum Ahmad Budi Susanto Ahmad Muta’ali al umam, Mupti Al-qusyairi JNZ, Rahmat fajar Alfian Rihtuz Zahrah Ali Wafa AMINULLAH Annisa Annisa Annisa Annisa Astri Ningsih Busro Busro Busro, B. Dianawati Bt Mat Romli Dumyati, Dumyati Fadilah Fadilah, Fadilah Faizah, Maftuhatul faizatul Husna Fajriyatul Izzah Fathul Rahman Fatin Najwa Nazurah Fena Ulfa Aulia Firman Ashari Ghina Shafiyyah Hasanah, Rif’atul Hasanuddin Hayati Selvia Idha Suhartatik Iffatul Aimmah Ilham Abdul Jalil Imam Buchari, Imam Isna Hidayati Istifadzah Istifadzah Kamalina Zulfa Lisniati Lisniati Lisniati, Lisniati Luluk Mukarromah Luluk Mukarromah Mabruroh, Mubrikatul Madhar Amin Madona Agustin Sari Mamik Astik Wardasari Miranda, Miranda Moh. Mahfud Mubrikatul Mabruroh Muhammad Edi Gunawan Muhammad Hafiz Muhammad Rosul Muhammad Sofiullah Muhammad Syaiful Islam Muhammadi, Hamas Mujibno, Mujibno Mukarromah, Luluk Mustaminah Mutmainnah, Nur Eka Nafilatur Rohmah, Nafilatur Noor Aimi Mohamad Puad Nur Atika Alias Nur Eka Mutmainnah Rafika Nur Yuliatri Rafiqi, Iqbal Romsiyeh Romsiyeh Romsiyeh, Romsiyeh Samdani, Dani Shophan Readi S Sitti Maulida Suprima Taufiq Marwina Hakim Turmidi, Turmidi Ulfa Nur Sakinah Ummi Kulsum Wardasari, Mamik Astik Wasful Elmiah Zahrah, Alfian Rihtuz Zaid Raya Argantara Zainal Abidin Zainal Abidin Zian Salsabila Bidaula Zulfa, Kamalina