Pembiayaan Musyarakah untuk Usaha Mikro Kecil Menengah Ditinjau dari Fatwa DSN No.08/DSN-MUI/IV/2020 (Studi Kasus BMT Al Hikmah SEMESTA Cabang Ngabul)
This study aims to analyze (1) Musyarakah financing applied at BMT Al Hikmah Semesta, Ngabul Jepara Branch to MSMEs; (2) the conformity of the Musyarakah financing contract at BMT Al Hikmah Semesta, Ngabul Jepara Branch with the DSN fatwa no. 08/DSN-MUI/IV/2000. This study uses a qualitative approach with field research (field research). Based on the data, it can be concluded that the realization of musharaka financing based on sharia principles has several things that are not following the DSN-MUI Fatwa No. 08/DSN-MUI/IV/2000 concerning Musyarakah financing, one of which concerns the profit sharing (profit) which is determined at the beginning of the contract in the form of nominal, causing the potential for usury, the loss is borne by one of the member parties which causes the position of the two parties to be unequal. The contract financing Musyarakah is still not in accordance with the DSN-MUI Fatwa No. 08/DSN-MUI/IV/2000 regarding musyarakah financing. The institution in this case, has not fully implemented sharia principles properly and correctly.
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