Sary, Putri Sofia (2019) Analisis proses penetapan nisbah pembiayaan mudharabah dan musyarakah dalam mendukung keberlangsungan usaha anggota: Pada Koperasi Agro Niaga Indonesia (Kanindo) Syariah Jawa Timur. Undergraduate thesis, Universitas Islam Negeri Maulana Malik Ibrahim.
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Abstract
INDONESIA:
Penelitian ini bertujuan untuk mengetahui teknis proses penentuan nisbah bagi hasil pembiayaan mudharabah dan musyarokah di Kanindo Syariah Jatim. Penelitian ini juga bertujuan untuk mengetahui penentuan nisbah bagi hasil pembiayaan mudharabah dan musyarokah dalam mendukung keberlangsungan usaha anggota di Kanindo Syariah.
Obyek peneltian ini dilakukan di Koperasi Agro Niaga Indonesia (KANINDO) Syariah Jawa Timur yang merupakan Lembaga Keuangan Syariah yang bergerak dalam bidang penyedia jasa keuangan berbasis syariah. Obyek data penelitian pembiayaan mudharabah dan musyarakah. Metode analisis adalah metode kualitatif dengan pendekatan deskriptif.
Hasil penelitian dalam prakteknya Mudharabah dan Musarakah biasanya menyepakati terlebih dahulu proyeksi total pendapatan. Penentuan nisbah sebenarnya telah ditentukan rangenya oleh Kanindo Syariah, akan tetapi terbuka negoisasi nisbah sebelum diakadkan. Hal-hal yang dipertimbangkan dalam negoisasi nisbah antara Kanindo Syariah dan anggota adalah kedekatan Mitra dengan Kanindo Syariah (Anggota / Mudharib), nominal pembiayaan yang diajukan oleh Anggota kepada Kanindo Syariah, proyeksi resiko dari sektor usaha yang dijalankan, jatuh tempo pelunasan / lamanya waktu pembiayaan, nilai dari jaminan yang diajukan.. Kanindo Syariah Jatim secara umum telah memenuhi kepatutan dan kepatuhan syariah sesuai fatwa DSN MUI, namun ada beberapa hal dalam elemen promosi dan akad yang perlu disempurnakan.
ENGLISH:
This study intends to elaborate on the technical process of determining the financing profit sharing ratio of mudharabah and musyarokah in Kanindo Sharia East Java. Also, this study aims to assess the determination of financing profit sharing ratio of mudharabah and musyarokah in supporting the business continuity of members in Kanindo Sharia.
The object of this research was carried out at the Indonesian Agro Niaga Cooperative (KANINDO) Sharia East Java that is a Sharia Financial Institution engaged in Sharia-based financial services. Moreover, the object of the data of this research was mudharabah and musyarakah financing. Besides, the method of analysis used in this study was a qualitative method using a descriptive approach.
The results of the study explain that practically Mudharabah and Musarakah usually do the agreement in advance on the projected total income. The range of the determination of the ratio is has been determined by Kanindo Sharia, but the negotiation ratio is open before the contract is made. Moreover, things that need to be considered in negotiating the rate between Kanindo Sharia and members are the closeness of the Partner with Kanindo Sharia (Member/Mudharib), nominal financing proposed by the Member to Kanindo Sharia, risk projections from the business sector carried out, repayment maturity/duration of funding, value of collateral offered. Kanindo Sharia East Java, in general, has met Islamic compliance and obedience according to the MUI DSN fatwa, but there are several things in the promotion and covenant elements that need to be refined.
Item Type: | Thesis (Undergraduate) | ||||||
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Supervisor: | Djalaluddin, Ahmad | ||||||
Contributors: |
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Keywords: | koperasi; syariah; nisbah; mudharabah; musyarakah; cooperative; sharia; ratio | ||||||
Departement: | Fakultas Ekonomi > Jurusan Akuntansi | ||||||
Depositing User: | Heni Kurnia Ningsih | ||||||
Date Deposited: | 17 Apr 2020 09:51 | ||||||
Last Modified: | 17 Apr 2020 09:51 | ||||||
URI: | http://etheses.uin-malang.ac.id/id/eprint/15096 |
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