Hidayatullah, M Alief
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BUDAYA EKONOMI: PRAKTEK AKAD MUZARA’AH PERSPEKTIF ETIKA EKONOMI ISLAM DI DESA TANGSIL KULON KECAMATAN TENGGARANG KABUPATEN BONDOWOSO Hidayatullah, M Alief; Rahmatullah, Salim; Azizi, Ainur Rofiqul
JURNAL PROFIT Vol 6, No 2 (2022): Economic Banking
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v6i2.4323

Abstract

This study aims to reveal the practice of muraza'ah contracts associated with an economic culture that is aligned with Islamic economic ethics in Tangsil Kulon Bondowoso Village. This study uses qualitative research with a descriptive analysis approach, and the data source is the people in Tangsil Kulon. The results of this study indicate that the practice of the muzara'ah contract in Tangsil Kulon Village uses the musyarakah principle with a split system adapted to the local community’s culture. The distribution in the form of percentages still has the disadvantaged party, namely the land owner, because the cultivator does not see whether the harvest is experiencing a profit or loss and thinks he is still working. 
RISIKO AKAD MURABAHAH PADA KOPERASI SERBA USAHA (KSU) DI BMT TANJUNG Hidayatullah, M Alief; Aprilia, Rafika Lusi
JURNAL PROFIT Vol 7, No 1 (2023): Islamic Economic, Islamic Banking And Program
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v7i1.6412

Abstract

This study discusses the risks of murabahah contracts, as we all know that murabahah financing is in great demand by the public, especially in sharia-based multi-business cooperatives (KSU) - BMT Tanjung, this is because it is considered fast and easy in practice. This study uses a qualitative descriptive design with observation, documentation and interview techniques. This lesson takes place in a multi-business cooperative (KSU) BMT Tanjung, the results of this research are (1) where murabahah products are widely used as consumption payments and there is also capital used for business continuity, (2) the risks associated with murabahah a lot of payments, goods and collateral, (3) risk management is carried out by sharia murabahah multi-business cooperatives (KSU) sharia-bmt bandar loyal quite well in its management, it's just that there are some managements, especially those related to goods that are not quite right, namely murabahah contracts that made before the goods are placed in the hands of the Sharia Financial Services cooperative (KSU) sharia-compliant BMT Tanjung. The limitation of this study is the lack of risk associated with customers, because the Sharia Financial Services Cooperative does not have any risks associated with customer risk, but in this study researchers found a new risk, namely the risk associated with collateral.This study discusses the risks of murabahah contracts, as we all know that murabahah financing is in great demand by the public, especially in sharia-based multi-business cooperatives (KSU) - BMT Tanjung, this is because it is considered fast and easy in practice. This study uses a qualitative descriptive design with observation, documentation and interview techniques. This lesson takes place in a multi-business cooperative (KSU) BMT Tanjung, the results of this research are (1) where murabahah products are widely used as consumption payments and there is also capital used for business continuity, (2) the risks associated with murabahah a lot of payments, goods and collateral, (3) risk management is carried out by sharia murabahah multi-business cooperatives (KSU) sharia-bmt bandar loyal quite well in its management, it's just that there are some managements, especially those related to goods that are not quite right, namely murabahah contracts that made before the goods are placed in the hands of the Sharia Financial Services cooperative (KSU) sharia-compliant BMT Tanjung. The limitation of this study is the lack of risk associated with customers, because the Sharia Financial Services Cooperative does not have any risks associated with customer risk, but in this study researchers found a new risk, namely the risk associated with collateral.