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All Journal Mazinda: Jurnal Akuntansi, Keuangan, dan Bisnis Konsienti: Community Services Journal
M. Rivqi Amin
Universitas Ibrahimy
Religion Computer Science & IT Economics, Econometrics & Finance Social Sciences Other

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Assistance in the Implementation of Muzara'ah Contracts in Optimizing Village Land Management Based on Islamic Economics Zainul Anwar; Misba Huddin; Imroatus Sholiha; M. Rivqi Amin; Nanda Hidayan Sono
Konsienti : Community Services Journal Vol. 3 No. 02 (2025): July
Publisher : PT. TAKAZA INNOVATIX LABS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/konsienti.v3i02.555

Abstract

The limited optimization of village land utilization is one of the challenges faced by communities in increasing economic productivity based on local potential. This community service activity aims to assist in the implementation of the muzara'ah contract as a model of agricultural cooperation between Village-Owned Enterprises (BUMDes) and farmers in optimizing village land management based on Islamic economics. The activity implementation method uses a participatory action research (PAR) approach through the stages of problem identification, development of a cooperation model, assistance in contract implementation, and program evaluation. The results of the activity indicate that the implementation of the muzara'ah contract can improve village land utilization, strengthen cooperative relationships between BUMDes and farmers, and provide community understanding of profit-sharing mechanisms in accordance with sharia principles. This program also has a positive impact on increasing productivity and economic empowerment of village communities. Thus, the muzara'ah model can be an alternative strategy for village asset management that is oriented towards economic justice and sustainability.
Implementasi Pembiayaan Murabahah Bil Wakalah di PT. BPRS Bhakti Sumekar Cabang Pratama Ra’as Sumenep Ahmad Hamdi; M. Rivqi Amin; Mursyid Mursyid
Mazinda : Jurnal Akuntansi, Keuangan, dan Bisnis Vol. 1 No. 1 (2023): Mazinda : Jurnal Akuntansi, Keuangan, dan Bisnis
Publisher : Program Studi Akuntansi Syari'ah Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/mazinda.v1i1.2659

Abstract

As an intermediary institution, Islamic financial institutions (LKS) collect funds from the public through savings (savings), then channel them back to the community in the form of working capital and investment financing. One of the most dominant distributions of this financing is using a murabahah bil wakalah contract. As is the case with the BPRS Bhakti Sumekar Branch Pratama Ra'as. This study aims to find out in depth how the implementation of the contract in the field. Murabaha financing is the most dominant fund distribution scheme in LKS. Because it has a smaller risk for banks compared to implementing mudharabah and musyarakah contracts. This qualitative research uses data obtained from primary and secondary sources. Data is collected by observation, interview, and document methods. Any data that the researcher managed to collect, analyzed and tested its validity using source and method triangulation methods. The resulting conclusion is that the application of murabahah bil wakalah financing at BPRS Bhakti Sumekar Pratama Ra'as Branch is carried out with two contracts, namely starting with the wakalah contract first, then continuing with the murabahah contract. It's just that these two contracts are not set forth in their respective evidence, but are united in one contract agreement. This adaptation was made due to the efficiency and effectiveness aspects of time due to the limited number of BPRS personnel to serve the large number of financing customers.
Co-Authors Ahmad Hamdi Imroatus Sholiha Misba Huddin Mursyid Mursyid Nanda Hidayan Sono Zainul Anwar