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All Journal Syarie: Jurnal Pemikiran Ekonomi Islam
Mariya Ulpah
Institut Binamadani Indonesia
Religion Economics, Econometrics & Finance Social Sciences

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SISTEM BAGI HASIL DEPOSITO MUDHARABAH DI KOPERASI SYARIAH BENTENG MIKRO INDONESIA CABANG CIPONDOH PERSFEKTIF HUKUM EKONOMI SYARIAH Abi Sarwan Ubayisi; Mariya Ulpah
Syarie: Jurnal Pemikiran Ekonomi Islam Vol 8 No 2 (2025): Syar'ie
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/syarie.v8i2.853

Abstract

Penelitian ini bertujuan untuk menganalisis sistem bagi hasil deposito dengan akad mudharabah dalam perspektif hukum ekonomi syariah di Koperasi Syariah Benteng Mikro Indonesia Cabang Cipondoh. Deposito mudharabah merupakan salah satu produk simpanan yang dioperasikan berdasarkan prinsip hukum syariah, di mana nasabah sebagai pemilik modal memberikan dana yang dikelola oleh koperasi dengan sistem bagi hasil sesuai nisbah yang disepakati bersama. Metode penelitian yang digunakan adalah pendekatan kualitatif lapangan dengan studi kasus pada Koperasi Syariah Benteng Mikro Indonesia, data dikumpulkan melalui wawancara mendalam, observasi, dan analisis data terkait sistem bagi hasil produk deposito dengan akad mudharabah dan kesesuaian dengan hukum syariah. Penelitian ini menyimpulkan bahwa Koperasi Syariah Benteng Mikro Indonesia menerapkan prinsip hukum syariah dengan memberikan nisbah bagi hasil pada produk deposito mudharabah, hal ini telah sesuai dengan Pasal 15 angka 1 UU P2SK yang mengubah Pasal 1 angka 12 UU Perbankan Syariah, bahwa prinsip syariah adalah prinsip hukum Islam berdasarkan fatwa dan/atau pernyataan kesesuaian hukum syariah yang dikeluarkan oleh lembaga yang memiliki kewenangan dalam penetapan fatwa di bidang syariah seperti pembiayaan berdasarkan prinsip bagi hasil (mudharabah). Penerapan nisbah di Koperasi Syariah BMI telah memenuhi prinsip dasar hukum ekonomi syariah yaitu keadilan dan transparansi, meskipun perlu ada skala nisbah berdasarkan jumlah modal untuk meningkatkan daya tarik investasi. Koperasi disarankan melakukan edukasi berkelanjutan untuk memperkuat pemahaman nasabah tentang sistem bagi hasil deposito mudharabah.
ANALISIS BAGI HASIL PADA DANA INVESTASI USAHA BERSAMA (DAI UBER) JAKARTA DALAM PERSPEKTIF HUKUM EKONOMI SYARIAH Sulaiman Sulaiman; Dewy Anita; Mariya Ulpah
Syarie: Jurnal Pemikiran Ekonomi Islam Vol 8 No 2 (2025): Syar'ie
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/syarie.v8i2.858

Abstract

Penulisan artikel ini bertujuan untuk memahami Lembaga Dana Investasi Usaha Bersama atau disingkat dengan DAI UBER bertempat di Jakarta yang menerapkan sistem bagi hasil. Penelitian ini menggunakan metode deskriftif kualitatif lapangan dengan menelaah data lapangan yang relevan dan berhubungan dengan objek kajian yakni system pelaksanaan bagi hasil akad mudharabah yang diterapkan pada DAI UBER Jakarta berdasarkan sumber data primer dari wawancara dengan pelaku usaha. Hasil dari penelitian ini dapat disimpulkan bahwa Mekanisme bagi hasil yang dilaksanakan di Dai Uber City plaza Jakarta didasarkan pada peraturan menteri koperasi dan usaha kecil dan menengah Republik Indonesia No.16/Per/M.Kum/IX/2015 tentang Pelaksanaan Kegiatan Usaha Simpan Pinjam dan Pembiayaan Syariah oleh koperasi dan prinsip mudharabah berdasarkan fatwa DSN-MUI no 3 tahun 2000 tentang Tabungan berbasis syariah dimana penentuan bagi hasil yang terjadi di Dai Uber City Plaza Jakarta tidak ada kesepakatan keuntungan antara kedua belah pihak. Dengan demikian pelaksanaan yang terjadi belum sesuai berdasarkan ketentuan hukum Ekonomi Syariah.
PERAN BMT BISMA PADA PEMBIAYAAN MIKRO TERHADAP PERKEMBANGAN UMKM DI CIPONDOH KOTA TANGERANG luthfianti alfahira; mariya ulpah
Syarie: Jurnal Pemikiran Ekonomi Islam Vol 9 No 1 (2026): Syar'ie
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/syarie.v9i1.937

Abstract

This study aims to determine the role of BMT Bisma Cipondoh in microfinancing towards the development of MSMEs in improving the economy of the Cipondoh community. The focus of the research is directed at how BMT provides easy access to capital, as well as its contribution in supporting the growth of small businesses and improving community welfare. The research method used is a qualitative approach. Data collection was carried out through interviews and observations. Interviews were conducted with parties from BMT Bisma and BMT Bisma customers, observations were conducted by visiting business p remises managed by BMT BISMA customers. The results of the study show that BMT BISMA not only plays a role as a capital provider, but also as a business coach and companion through simple financial training, marketing strategies, and guidance on solving business problems. The financing process at BMT is simpler and more flexible than formal financial institutions, thus providing convenience for MSME actors. The positive impacts felt by customers include increased family income, fulfillment of daily needs, children's education costs, and the creation of saving habits. In addition, the growing business also creates new jobs, helps reduce unemployment, and strengthens the local economy through the circulation of money within the Cipondoh community. The conclusion of this study is that BMT BISMA Cipondoh plays a crucial role in helping small businesses grow. BMT not only provides capital loans but also guides and assists entrepreneurs to achieve better direction. Consequently, businesses can grow, customers' families become more prosperous, new job opportunities are created, and the Cipondoh community's economy becomes more prosperous.
PERAN BMT BISMA PADA PEMBIAYAAN MIKRO TERHADAP PERKEMBANGAN UMKM DI CIPONDOH KOTA TANGERANG luthfianti alfahira; mariya ulpah
Syarie: Jurnal Pemikiran Ekonomi Islam Vol. 9 No. 1 (2026): Syar'ie
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/syarie.v9i1.937

Abstract

This study aims to determine the role of BMT Bisma Cipondoh in microfinancing towards the development of MSMEs in improving the economy of the Cipondoh community. The focus of the research is directed at how BMT provides easy access to capital, as well as its contribution in supporting the growth of small businesses and improving community welfare. The research method used is a qualitative approach. Data collection was carried out through interviews and observations. Interviews were conducted with parties from BMT Bisma and BMT Bisma customers, observations were conducted by visiting business p remises managed by BMT BISMA customers. The results of the study show that BMT BISMA not only plays a role as a capital provider, but also as a business coach and companion through simple financial training, marketing strategies, and guidance on solving business problems. The financing process at BMT is simpler and more flexible than formal financial institutions, thus providing convenience for MSME actors. The positive impacts felt by customers include increased family income, fulfillment of daily needs, children's education costs, and the creation of saving habits. In addition, the growing business also creates new jobs, helps reduce unemployment, and strengthens the local economy through the circulation of money within the Cipondoh community. The conclusion of this study is that BMT BISMA Cipondoh plays a crucial role in helping small businesses grow. BMT not only provides capital loans but also guides and assists entrepreneurs to achieve better direction. Consequently, businesses can grow, customers' families become more prosperous, new job opportunities are created, and the Cipondoh community's economy becomes more prosperous.
Co-Authors Abi Sarwan Ubayisi Dewy Anita luthfianti alfahira Sulaiman Sulaiman