Keuntungan dan Tantangan dalam Penggunaan Akad Mudharabah untuk Pembiayaan Usaha Mikro, Kecil, dan Menengah (UMKM)

There are various types of financing in Islamic banking or financial institutions, one of which is mudharabah financing. This financing is a cooperation agreement between the capital owner (shohibul mal) and the fund manager (mudharib) for a business, where the profit is shared according to the agreed percentage based on the profit obtained. Mudharabah financing is closely related to UMKM, where UMKM owners, especially housewives, play an important role in managing family finances. This study aims to examine what are the challenges for UMKM in using the mudharabah contract and what are the advantages of using the mudharabah contract. The method used in this study is qualitative research with a descriptive approach, as well as descriptive data analysis through literature studies from scientific journals and books. The results of this study indicate that mudharabah financing can help the community in improving UMKM.

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Publication Details

Journal
Transformasi Journal of Economics and Business Management
Published
2024-11-23
DOI
https://doi.org/10.56444/transformasi.v3i4.2182
Citations
2
Primary Topic
Islamic Finance and Communication
Type
article
Field-Weighted Citation Impact
2.26
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article

Keuntungan dan Tantangan dalam Penggunaan Akad Mudharabah untuk Pembiayaan Usaha Mikro, Kecil, dan Menengah (UMKM)

Tiur Herlina Yanti Hutagalung, Rayyan Firdaus
2 citations
Transformasi Journal of Economics and Business Management
Islamic Finance and Communication
2.26
article

Keuntungan dan Tantangan dalam Penggunaan Akad Mudharabah untuk Pembiayaan Usaha Mikro, Kecil, dan Menengah (UMKM)

Tiur Herlina Yanti Hutagalung, Rayyan Firdaus
article en
2 citations

Abstract

There are various types of financing in Islamic banking or financial institutions, one of which is mudharabah financing. This financing is a cooperation agreement between the capital owner (shohibul mal) and the fund manager (mudharib) for a business, where the profit is shared according to the agreed percentage based on the profit obtained. Mudharabah financing is closely related to UMKM, where UMKM owners, especially housewives, play an important role in managing family finances. This study aims to examine what are the challenges for UMKM in using the mudharabah contract and what are the advantages of using the mudharabah contract. The method used in this study is qualitative research with a descriptive approach, as well as descriptive data analysis through literature studies from scientific journals and books. The results of this study indicate that mudharabah financing can help the community in improving UMKM.

Transformasi Journal of Economics and Business ManagementVol. 3(4)
Malikussaleh University (ID)
Openalex Percentile: Top 9%
Islamic Finance and Communication
2.26
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