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All Journal Studia Economica: Jurnal Ekonomi Islam
Fitri, Yona
STAI Hubbulwathan Duri
Religion Economics, Econometrics & Finance Social Sciences

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Mudharabah dan Filsafat Ekonomi Islam Fitri, Yona; Siregar, Muhammad Habibi
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26258

Abstract

This study discusses mudharabah as one of the main instruments in the Islamic financial system and its relationship with Islamic economic philosophy. The concept of mudharabah is one of the main pillars in the Islamic economic system that prioritizes justice, honesty, and social responsibility in economic activities. Conceptually, mudharabah is understood as a cooperation contract between the capital owner (shahibul maal) and the business manager (mudharib) with the principle of profit sharing and risk sharing. From a normative perspective, this contract is in line with the principles of maqāṣid al-sharī‘ah, especially in realizing justice, trustworthiness, and the economic welfare of the people. In practice, mudharabah has been widely used in modern Islamic financial institutions, especially in supporting the micro and small business sector, although its implementation still faces challenges in the form of moral hazard, information asymmetry, and regulatory limitations. This study uses a library research approach by analyzing classical and contemporary literature. The research results confirm that mudharabah is not only a financing instrument, but also a manifestation of Islamic philosophical values that are relevant to addressing global challenges, strengthening Islamic financial inclusion, and encouraging equitable and sustainable economic development for the people
Co-Authors Siregar, Muhammad Habibi