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All Journal Journal of Economic, Bussines and Accounting (COSTING) Jurnal Mantik Jurnal Ekonomi Bisnis Manajemen Prima Jurnal Ekonomi Jurnal Manajemen dan Bisnis Jurnal Ekonomi Lembaga Layanan Pendidikan Tinggi Wilayah I International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) Jurnal Sosial, Politik dan Budaya (SOSPOLBUD) Jurnal Mahkota Bisnis (Makbis) Jurnal Pengabdian dan Inovasi Masyarakat Jurnal Riset Ekonomi dan Keuangan Syariah
Arsyaf Tampubolon
Universitas Mahkota Tricom Unggul
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Penerapan Akad Musyarakah Pada Perbankan Syariah Di Indonesia ARSYAF TAMPUBOLON; Sri Sudiarti; Marliyah
Jurnal Riset Ekonomi dan Keuangan Syariah Vol. 2 No. 2 (2025): Jurnal Riset Ekonomi dan Keuangan Syariah: Mei 2025
Publisher : Yayasan Literasi Emas Nusantara

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Abstract

This study aims to analyze the implementation of the musyarakah contract in Islamic banking in Indonesia, focusing on its challenges, execution mechanisms, and development opportunities. The research method employed is library research and closed observation, utilizing literature, articles, and practices from several national Islamic banks. The results indicate that although musyarakah has significant potential in supporting fair and inclusive financing, its proportion remains substantially lower compared to other contracts such as murabahah. Key obstacles include administrative complexity, high business risks, low public understanding of the profit-sharing principle, and weak monitoring systems for funded businesses. The findings further reveal that musyarakah contracts are highly effective in fostering the growth of productive sectors, particularly in financing MSMEs and property projects, thereby enhancing Islamic financial inclusion. However, successful implementation requires intensive educational strategies, strengthened internal supervision, and product innovation, such as the development of musyarakah mutanaqisah and hybrid schemes. With innovative adaptations to market needs and strong regulatory support, musyarakah is expected to become a key instrument in strengthening a sustainable and inclusive Islamic economic ecosystem at the national level.
Co-Authors Ahmad Rivai Amin Hou Aminatu Zahra Andreas Fourtunando Simanjuntak Azhari Akmal Tarigan Christine Junita Debora Tambunan Deby Siska Oktavia Pasaribu Dewi Rafiah Pakpahan Diega Arazi Syubhan Dwita Sakuntala Eka Martyna Theodora Frans Gideon Sinuhaji Fransisca Gozelia Boelova Gabril Dhava Obrien Sinamo Juliansyah, Roni Kelvin Kosasih Kevin Bambang Setiawan Lestari, Dwi Vita Maduwu, Aan Krisnawan Malasyi, Sibral Marliyah MayaPutra, Muhammad Umar Muhammad Yusuf Muslim Marpaung Nidya Banuari Pratama, Nico Putra , Muhammad Umar Maya Putri Br Sibarani Rahmanta Rahmanta, Rahmanta Rahmi Syahriza, Rahmi Rayhan Ananda Rayhan Ananda Roni Juliansyah Saifullah Saifullah Sinaga, Anggiat Sitorus, Dompak Soehardi Soehardi Sri Sudiarti Suwandy Purba Theodora, Eka Martyna Yenni