Implementasi Akad Murabahah Pembiayaan Produktif dalam Meningkatkan Pendapatan UMKM di BMT Al – I’zzah Ngoro Mojokerto - Ilmi, Yulviana Samrotul; Iltiham, Muhammad Fahmul; syu'aibi, Moh Mukhsinin (Journal of Authentic Research, 2026)
Penelitian ini dilatarbelakangi oleh pentingnya peran UMKM dalam meningkatkan perekonomian masyarakat, namun masih banyak pelaku usaha yang mengalami keterbatasan modal. Salah satu solusi yang dapat dilakukan adalah melalui pembiayaan produktif dengan akad murabahah pada lembaga keuangan syariah. Penelitian ini bertujuan untuk mengetahui implementasi akad murabahah pembiayaan produktif serta pengaruhnya dalam meningkatkan pendapatan UMKM di BMT Al-I’zzah Ngoro Mojokerto. Penelitian ini menggunakan pendekatan kualitatif dengan jenis penelitian lapangan. Teknik pengumpulan data dilakukan melalui wawancara, observasi, dan dokumentasi. Informan penelitian terdiri dari pihak pengelola BMT dan nasabah UMKM penerima pembiayaan murabahah. Hasil penelitian menunjukkan bahwa implementasi akad murabahah di BMT Al-I’zzah dilaksanakan melalui proses pengajuan, survei, akad, pencairan dana, dan monitoring. Pembiayaan yang diberikan digunakan untuk kebutuhan usaha seperti menambah stok barang, membeli alat usaha, dan modal operasional. Setelah menerima pembiayaan, pendapatan nasabah mengalami peningkatan dan usaha menjadi lebih berkembang. This research was motivated by the important role of Micro, Small, and Medium Enterprises (MSMEs) in improving the community economy. However, many business actors still face limited business capital. One solution is productive financing through a murabahah contract in Islamic financial institutions. This study aims to determine the implementation of productive murabahah financing and its role in increasing MSME income at BMT Al-I’zzah Ngoro Mojokerto. This research used a qualitative approach with field research methods. Data were collected through interviews, observations, and documentation. The informants consisted of BMT management and MSME customers who received murabahah financing. The results showed that the implementation of murabahah financing at BMT Al-I’zzah was carried out through the stages of application, survey, contract agreement, fund disbursement, and monitoring. The financing was used for business purposes such as increasing stock, purchasing business equipment, and operational capital. After receiving the financing, customers’ income increased and their businesses developed further.