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Implementasi Akad Pembiayaan Murabahah Pada Koperasi Pojok Syariah Derani Hotimah; Dandan Irawan; Nanang Sobarna
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 4 No. 1 (2022): Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/ecoiqtishodi.v4i1.2956

Abstract

Murabahah Financing Agreement is one of the transactions of buying and selling an item or asset that is affirmed at the acquisition price to the buyer and the buyer will pay it at an additional price as a profit. One of the foundations used to manage the financing of this murabahah is the Fatwa DSN-MUI No.04/DSN-MUI/ IV/2000 concerning Murabahah. This study aims to determine the suitability between the implementation of the murabahah financing agreement at Koperasi Pojok Syariah in the perspective of DSN-MUI Fatwa No.04/DSN-MUI/IV/2000 concerning Murabahah. The research method used is a descriptive analysis and quantitative approach through observation, interviews with informants and the distribution of questionnaires to get an overview of the implementation of the murabahah financing agreement. The results of this study, the implementation of the murabahah financing agreement at Koperasi Pojok Syariah is in accordance with the provisions of the DSN-MUI Fatwa No.04 / DSN-MUI / IV / 2000 concerning Murabahah,
Pelaksanaan Akad Pembiayaan Mudharabah Pada BMT Dana Akhirat Arjasari Kabupaten Bandung Abdul Hakim; Atshilla Rahmawati Alhamid; Dandan Irawan
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 4 No. 1 (2022): Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/ecoiqtishodi.v4i1.2958

Abstract

Mudharabah financing is a revenue sharing system and operational unit of Shari'ah Financial Institution. But the problem that arises is the application of mudharabah financing that is different and not in accordance with the perspective of DSN MUI Fatwa Number: 07/DSN-MUI/IV/2000. This study uses case study method with descriptive data analysis using qualitative approach where data is obtained through informants and documents with data collection techniques through interviews, observations, and library studies. The results of this study show that there are three different provisions with the perspective of the FATWA DSN MUI Number: 07/DSN-MUI/IV/2000 differences in the provisions of mudharabah financing in the KBMT of Dana Akhirat consists of: First in the financing provisions, the distribution of mudharabah financing that should be used for business but there are still many members who do not use the financing for business, so it is not productive. In the financing provisions, KBMT of Dana Akhirat cannot bear the full losses because the provisions at KBMT Dana Akhirat are not to bear losses on the distribution of funds but have been determined at the beginning of the agreement at the time of the agreement.
Tinjauan Koperasi: Sejarah, Aliran, dan Peranannya dalam Ekonomi Global dan Lokal Dandan Irawan; Adi Puspita Hermawan
J-Coop : Journal of Co-operative Vol. 1 No. 2 (2025): J-Coop : Journal of Co-operative
Publisher : LPPM Universitas Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/jc.v1i2.20

Abstract

Cooperative is an unique economic organizations based on the principles of justice, democracy, and solidarity. This article explores the historical development of cooperatives in various countries, including England, France, Germany, Japan, the United States, etc. highlighting their adaptation to local challenges and needs. From the Industrial Revolution to the modern era, cooperatives have emerged as a response to social and economic inequalities, serving as a balancing force against the adverse effects of capitalism. The article also examines the three main schools of thought on cooperatives, as proposed by Paul Hubert Casselman: Yardstick, Socialist, and Commonwealth, each reflecting the role of cooperatives within different economic systems. Globally, cooperatives play a vital role in strengthening local economies, providing access to financial services, and reducing social disparities. The article further discusses the state of cooperatives in Indonesia and the challenges they face in the modern era. By understanding the history and concepts of cooperatives, this article offers insights into their importance as socio-economic instruments for achieving sustainable community welfare.