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All Journal JEJAK Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) ICO EDUSHA Asian Journal of Management Analytics Jurnal Perbankan Syariah Darussalam (JPSDa) Electronic Journal of Education, Social Economics and Technology Jurnal Ekonomi Syariah Proceeding of International Conference on Humanity Education and Society
Muhammad Kanzul Fikri
Universitas KH Mukhtar Syafaat Banyuwangi, Jawa Timur, 68485
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Veterinary Other

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Implementasi Akad Mudharabah dalam Produk TABAH (Tabungan Mudharabah) di KSPPS BMT NU Cabang Genteng Nur Alwi Muhammad; Muhammad Kanzul Fikri
International Conference on Humanity Education and Society (ICHES) Vol. 5 No. 1 (2026): The 5th International Conference on Humanity Education and Society (ICHES)
Publisher : FORPIM PTKIS ZONA TAPAL KUDA

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Abstract

The development of the Islamic financial sector in Indonesia has shown significant growth, in line with increasing public awareness of the importance of a sharia-based economic system. One of the microfinance institutions that plays a role in supporting this system is Baitul Maal wat Tamwil (BMT). This study aims to analyze the implementation of the mudharabah contract in the TABAH (Mudharabah Savings) product at the KSPPS BMT NU Genteng Branch. This research method uses a descriptive qualitative approach with data collection techniques through literature studies. The results show that the TABAH product at the KSPPS BMT NU Genteng Branch uses a mudharabah mutlaqah contract, where the customer acts as the shahibul maal and the BMT as the mudharib. The profit sharing ratio applied is 40% for the customer, with a calculation mechanism based on the average daily balance. The application of the mudharabah contract in this product has fulfilled the pillars and principles of sharia by reflecting aspects of transparency, fairness, and accountability in fund management. This study provides academic contributions to the development of Islamic financial theory as well as practical benefits for optimizing fund management in Islamic microfinance institutions.
Co-Authors Ahmad Ainun Najib Aniatun Nafisah Aula Izatul Aini Firmansyah Firmansyah Lukluk Martiana M. Alaika Nasrulloh Muhamad Fajar Bayu Pratama Nur Alwi Muhammad Pratiwi, Diyah Ayu Sholihah, Rovikatus Silviana, Devi Siti Nur Afifatul Hikmah Sofi Faiqotul Hikmah