PEMBIAYAAN MUDHARABAH DI BAITUL MAAL WA TAMWIL (BMT ) AMANAH CABANG KENDARI (STUDI IMPLEMENTASI DAN PRINSIP SYARIAH )

Rismal Nim 15050102088, R (2019) PEMBIAYAAN MUDHARABAH DI BAITUL MAAL WA TAMWIL (BMT ) AMANAH CABANG KENDARI (STUDI IMPLEMENTASI DAN PRINSIP SYARIAH ). Skripsi thesis, IAN KENDARI.

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Abstract

ABSTRAK Rismal Nim 15050102088 “Pembiayaan Mudharabah Di Baitul Maal Wa Tamwil (BMT ) Amanah Cabang Kendari (Studi Implementasi Dan Prinsip Syariah )” Jurusan Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Melalui Pembimbing H. Muh. Turmudi, S.Ag, MM. Dan Nurjannah, S.Kom, M.Pd Mudharabah merupakan salah satu akad kerja sama. Konsep ini telah digunakan oleh Baitul Maal Wa Tamwil Amanah Cabang kendari untuk pembiayaan kerja sama antara kedua belah pihak yang dimana pemilik modal menyertakan hartanya kepada pengelola modal dengan perjanjian pembagian keuntungan yang telah dilakukan diawal akad. Metode penelitian yang digunakan, yaitu metode observasi, wawancara, dan dokumentasi dengan data primer dan sekunder. Penelitian ini merupakan penelitian lapangan, yang dimana data diperoleh dengan cara wawancara. Wawancara disini, dilakukan langsung kepada Koordinator Cabang Kendari, Administrasi, Teller, dan nasabah BMT Amanah Cabang Kendari. Dari hasil temuan yang penulis amati dan telah dilakukannya penelitian dengan menggunakan metode-metode diatas, dapat diketahui bahwa Implementasi Akad Mudharabah di Baitul Maal Wa Tamwil (BMT ) Amanah Cabang Kendari yaitu setiap pihak BMT dan nasabah ketika melakukan akad harus terhidar dari keterpaksaaan nasabah, dan menjalankan prosedur-prosedur implementasi akad mudharabah di BMT Amanah Cabang Kendari. Adapun halhal yang dibahas dalam tugas akhir ini adalah tentang Implementasi Mudharabah di BMT Amanah Cabang Kendari serta kesesuaian penerapan mudharabah dengan prinsip-prinsip syariah yang tertuang dalam Dewan Syariah Nasional NO: 07/DSN-MUI/IV/2000. Selain itu yang dapat diketahui bahwa pelaksanaan akad mudharabah pada produk pembiayaan mudharabah di BMT Amanah Cabang Kendari sudah sesuai dengan prinsip-prinsip syariah. Hal ini terbukti bahwa pembiayaan yang dilakukan dengan akad kerja sama tidak ditemukan hal-hal yang menyimpang dalam ajaran islam, misalnya yang mengandung unsur maisir, gharar, haram, riba, dan paksaan yang sesuai dengan implementasi akad mudharabah di baitul maal wa tamwil. Berdasarkan Hasil penelitian diatas mengenai implementasi akad mudharabah di Baitul maal Amanah Cabang Kendari pada bab sebelumnya, dapat diambil kesimpula, Setiap akad dilakukan atas kehendak para pihak, terhindar dari keterpaksaan karena tekanan satu pihak atau pihak lain, Setiap akad wajib dilaksanakannya oleh para pihak sesuai dengan kesepakatan yang diterapkan oleh yang bersangkutan dan pada saat yang sama terhindar dari cidera janji. Setiap akad dilakukan dengan pertimbangan yang matang dan dilaksanakan secara cepat dan cermat. BMT Amanah Cabang Kendari dalam memberikan pembiayaan modal kerjanya memberikan batas waktu 1 tahun dalm angsuran bulanan dan jatuh tempo. ABSTRACT Rismal Nim 15050102088 "Mudharabah Financing in Baitul Maal Wa Tamwil (BMT ) Amanah Kendari Branch (Implementation Study and Sharia Principles)" Department of Islamic Banking Faculty of Economics and Business Islam Through Supervisor H. Muh. Turmudi, S.Ag, MM. And Nurjannah, S.Kom, M.Pd Mudharabah is a contract of cooperation. This concept has been used by Baitul Maal Wa Tamwil Amanah Kendari Branch to finance cooperation between the two parties in which the capital owner includes his assets to the capital manager with a profit sharing agreement that has been made at the beginning of the contract. The research methods used, namely the method of observation, interviews, and documentation with primary and secondary data. This research is a field research, where data is obtained by interview. Interviews here, conducted directly to the Kendari Branch Coordinator, Administration, Tellers, and Kendari Branch BMT Amanah customers. From the findings that the authors observed and conducted a study using the methods above, it can be seen that the implementation of the Mudharabah Agreement in the Baitul Maal Wa Tamwil (BMT ) Amanah Kendari Branch, which is that every BMT party and customer when conducting a contract must avoid the compulsion of the customer, and carry out procedures for the implementation of mudharabah contracts at BMT Amanah Kendari Branch. The matters discussed in this thesis are about the Implementation of Mudharabah in BMT Amanah Kendari Branch and the suitability of the application of mudharabah with sharia principles contained in the National Sharia Board NO: 07 / DSN-MUI / IV / 2000. In addition, it can be seen that the implementation of mudharabah contracts on mudharabah financing products at the BMT Amanah Kendari Branch is in accordance with sharia principles. This is evident that the financing carried out by the cooperation agreement is not found things that deviate in the teachings of Islam, for example, which contain elements of maisir, gharar, haram, usury, and coercion in accordance with the implementation of the mudharabah contract in the Baitul Maal wa Tamwil. Based on the above research results regarding the implementation of mudharabah contracts in the Baitul maal Amanah Kendari Branch in the previous chapter, conclusions can be drawn. Each contract is carried out at the will of the parties, avoiding compulsion due to pressure from one party or another party, each contract must be carried out by the parties in accordance with the parties an agreement implemented by the person concerned and at the same time avoiding breach of contract. Each contract is carried out with careful consideration and carried out quickly and carefully. BMT Amanah Kendari Branch in providing working capital financing provides a time limit of 1 year in monthly installments and due dates.

Item Type: Thesis (Skripsi)
Additional Information: PEMBIAYAAN MUDHARABAH, I BAITUL MAAL WA TAMWIL (BMT ) AMANAH CABANG KENDARI
Subjects: Pendidikan
Islam (Umum)
Fiqhi
Bank
Bank Islam
Divisions: Fakultas Ekonomi dan Bisnis Islam > Prodi Perbankan Syariah
Depositing User: Andi Nila Nurfadhilah
Date Deposited: 30 Dec 2019 07:04
Last Modified: 30 Dec 2019 07:04
URI: http://digilib.iainkendari.ac.id/id/eprint/2232

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