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)
Abstract
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.
Copyright (c) 2022 Anfa Nukhi Firdausi
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish articles in Sharef: Journal of Sharia Economics and Finance agree to the following terms:
- Authors retain copyright of the article and grant the journal right of first publication with the work simultaneously licensed under a CC-BY-SA or The Creative Commons Attribution–ShareAlike License.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
