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Agustiawan, Zulmi
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MEKANISME KERJASAMA PENGELOLAAN TERNAK SAPI DALAM PERSPEKTIF EKONOMI SYARIAH (STUDI KASUS PETERNAK SAPI DESA JANAPRIA KAB LOMBOK TENGAH) Agustiawan, Zulmi; Rois, Ihsan; Yasin, Muaidy
Media Bina Ilmiah Vol. 20 No. 3: Oktober 2025
Publisher : LPSDI Bina Patria

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Abstract

This study aims to test and analyze the Cooperation Mechanism of Cattle Management in the Perspective of Islamic Economics Case Study of Cattle Farming in Janapria Village, Central Lombok Regency. This type of research is qualitative research with an interactive model. Sampling in this study was obtained from the results of interviews, field notes and documentation. Based on the test and data analysis, the results show that the cooperation mechanism of Bank NTB Syariah and cattle farmers in Janapria Village goes through several processes or stages, namely (1) the contract and negotiation stage, which includes registration, selection, and signing of the contract, (2) the cooperation stage with suppliers, which includes preparing partners, establishing cooperation, providing and delivering cattle to be managed by customers, (3) the cattle management stage, including receiving cattle from suppliers, cattle management, supervision and monitoring, (4) profit sharing, including calculations according to the proportion of the contract, distribution, and payment of portions, and (5) the contract completion stage, including signing the end of the contract, and evaluation and monitoring carried out by Bank NTB Syariah regarding the achievement of financing objectives. Meanwhile, seen from the perspective of Islamic Economics, it shows that the existing agreement is included in the musyarakah agreement. Judging from the type of musyarakah agreement, this cooperation is included in the form of Syirkah al-'Inan. Meanwhile, seen from the terms of musyarakah, which consist of the terms of the agreement, profit sharing, loss sharing, capital requirements, and business management, the results are in accordance. The benefits obtained from the cooperation mechanism for managing cattle between Bank NTB Syariah and farmers in Janapria Village include: benefits from the aspect of business independence, the number of cattle managed tends to increase, the results of the distribution can be used to increase capital, daily living costs, and also for school fees for the children of farmers to a higher level. Although, the benefits obtained are not as large as before the mechanism involving suppliers was implemented. This means that financing cattle does provide economic benefits for farmers.