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All Journal Jurnal Pengabdian UntukMu NegeRI AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Raisa Aribatul Hamidah
Universitas Muhammadiyah Surakarta
Religion Computer Science & IT Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Penyuluhan Webinar Kajian Fatwa MUI Tentang Akad Murabahah di Komunitas Pegiat Ekonomi Syariah di Surakarta Azhar Alam; Linda Islam Cahyaningrum; Nabila Rahmawati Rama; Raisa Aribatul Hamidah
Jurnal Pengabdian UntukMu NegeRI Vol 6 No 2 (2022): Pengabdian Untuk Mu negeRI
Publisher : LPPM UMRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37859/jpumri.v6i2.3679

Abstract

The community of Islamic economic activists in Surakarta and surrounding areas is committed to advancing the sharia economy. They form a community to carry out discussions and outreach studies to increase Islamic economic literacy. Financial literacy in general or mainly in Islamic economics is still very low in Indonesian society, so it requires significant efforts to increase literacy through outreach activities. Murabahah contract is the most common contract widely used in Islamic economic activities by Islamic financial institutions, banking, and microfinance. This outreach activity aims to increase the knowledge of the community of Islamic economic activists in Surakarta and its surroundings regarding the study of the fatwa on murabahah contracts and current issues related to one of the muamalah contracts. Contract problems and disputes that occur in the relationship of Islamic financial institutions with customers or customers are also dominated by Murabahah contracts. Murabahah contract is also a contract with a nominal amount of transactions large enough to take the form of a sharia financing syndicate with a Murabahah contract. This counseling activity suggests that every party involved in a murabahah contract is obliged and needs to uphold what has been contracted.
Persepsi Perbandingan Keunggulan Pembiayaan Mudharabah Dan Murabahah Oleh Nasabah Lembaga Keuangan Mikro Islam BMT Azhar Alam; Sanitra Septiana; Afief El Asfahany; Raisa Aribatul Hamidah
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i1.538

Abstract

This study aims to explore perceptions of the comparative advantage of mudharabah and murabahah financing from the customer side of Islamic microfinance institutions. This study uses an approach using field data in the case study of BMT Alfa Dinar, Karanganyar, Central Java, Indonesia. The data in this study were obtained from 10 customers or customers of murabahah and mudharabah financing, which were taken directly using observation, question and answer, and documentation techniques. The collected data is then analyzed in terms of content, abstracted, and presented. The results of this study are that customers have different perceptions about the advantages of mudharabah and murabahah financing. This perception is seen from various perspectives, including risk, margin, transparency period, and work system. Mudharabah has the advantage of being more reliable than Murabaha. Meanwhile, Murabaha has the advantage of fixed profits or tends to be stable, and if agreed, it cannot be changed. This Murabaha contract is different from the mudharabah, whose profits tend to be unstable. This study recommends increasing business management literacy with mudharabah contract financing to maximize the benefits of Islamic microfinance institutions and customers.
Persepsi Perbandingan Keunggulan Pembiayaan Mudharabah Dan Murabahah Oleh Nasabah Lembaga Keuangan Mikro Islam BMT Azhar Alam; Sanitra Septiana; Afief El Asfahany; Raisa Aribatul Hamidah
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i1.538

Abstract

This study aims to explore perceptions of the comparative advantage of mudharabah and murabahah financing from the customer side of Islamic microfinance institutions. This study uses an approach using field data in the case study of BMT Alfa Dinar, Karanganyar, Central Java, Indonesia. The data in this study were obtained from 10 customers or customers of murabahah and mudharabah financing, which were taken directly using observation, question and answer, and documentation techniques. The collected data is then analyzed in terms of content, abstracted, and presented. The results of this study are that customers have different perceptions about the advantages of mudharabah and murabahah financing. This perception is seen from various perspectives, including risk, margin, transparency period, and work system. Mudharabah has the advantage of being more reliable than Murabaha. Meanwhile, Murabaha has the advantage of fixed profits or tends to be stable, and if agreed, it cannot be changed. This Murabaha contract is different from the mudharabah, whose profits tend to be unstable. This study recommends increasing business management literacy with mudharabah contract financing to maximize the benefits of Islamic microfinance institutions and customers.
Co-Authors Afief El Asfahany Azhar Alam Linda Islam Cahyaningrum Nabila Rahmawati Rama Sanitra Septiana