IMPLEMENTASI AKAD MUDHOROBAH PADA KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH BAITUL MAAL WATTAMWIL BINAMA SEMARANG

Abstract

ABSTRACT
Although BMT (Baitul Maal wat Tamwil) has not had legal peotection, but
in its principle these BMT institutions have performed their function as
intermediary institutions that manage funds from, for and by the society. The
problem of Bmt is not only limited to the legal legality that protect them, but also
related to the law of guarantee.
Based on the above background, the writer formulates the purpose of
writing, namely To know the Implementation of Mudharabah Agreement in KSPS
Baitul Maal Wattamwil "Binama" Semarang and to understand the obstacles and
solutions. The method of approach used in this study is the juridical sociological
approach. The specification of this study is descriptive analysis, which is expected
to be able to provide detail, systematic, and comprehensive description of all
matters related to the object to be studied. The data used in this study are primary
data and secondary data, i.e data obtained through interviews and library
materials collected through bibliographic data, which then analyzed qualitatively.
The conclusion of this study is that the Implementation of Mudharabah
agreement in KSPS BMT Binama Semarang is in the form of mudharabah saving
and mudharabah financing. In the implementation, saving or mudharabah saving
can be implemented smoothly, while mudharabah financing scheme is still
difficult to be implemented in KSPS BMT Binama because the financing of
mudharabah is difficult to be implemented due to the constraints such as the
difficulty of transparency of mudhorib regarding to the profit obtained, thus
inhibiting the purpose of mudharabah financing according to Islamic sharia. In
addition, KSPS BMT BINAMA in providing financing must be with assurance. To
deal with these obstacles, the solutions implemented by KSPS BMT BINAMA in
accordance with the principle of justice are as follows: 1) Market penetration,
that is by recruiting new members and make the old members loyal through
various services programs in BMT; 2) Cooperate with sponsorship pattern with
other agencies for synergy; 3) Public awareness on sharia saving and loan. 4)
Assess prospective members or customers from various aspects. The aspects of
financing are better known as the 5 C's principles.