Mudarabah Application In Shariah Public Financing Bank Karya Mugi Sentosa Surabaya
Journal Title: IOSR Journal of Economics and Finance (IOSR-JEF) - Year 2018, Vol 9, Issue 1
Abstract
The purpose of this study is to analyze the operational of mudharabah contract in BPR Sharia in Surabaya, also to analyze the people understanding and experience on the operational of mudharabah contract. The method applied in this study is qualitative method with phenomenological approach that underlined on the essence of social reality and to know what is being existed in a society. The study result shows that the capital owner (shohibul mal) understanding and knowledge which is already explained first about mudharabah contract as they became the customer and their trust on the performance of BPRS KMS, while the understanding and the experience of the entrepreneur (mudharib) follows the rule of RI constitution number 21 year 2008, and also follow the Fatwa of National Sharia Council Number 02/DSN-MUI/IV/2000. As for the advantage of mudharabah saving are; the characteristics are on the Islamic pillars, the profit, the opportunity to infest for the bank and the risk of liquidation is controlled; while the disadvantage of mudharabah saving are the customer can‟t withdraw their money anytime and the loss is completely paid by the bank.
Authors and Affiliations
Sri Abidah Suryaningsih, Sri Iswati, Faishal Haq
Extensive Tobacco Cultivation in Kushtia District of Bangladesh: Changes in Cultivators’ Perception Regarding External Cost
This paper aims at exploring whether tobacco growers receive positive marginal social benefit than the marginal social cost they incur from extensive tobacco cultivation in rural areas of Bangladesh. This study uses prim...
Influence of Financial Leverage on Profitability of Micro Finance Banks In Kakamega County, Kenya
Financial leverage is the ratio of debt and equity, which states the relationship between borrowed funds and owner’s funds in the capital structure of the firm. Studies from literature review confirms that firms that rel...
Performance Analysis of Select Banks In Aizawl City, Mizoram
The study has attempted to analyse the performance of select banks based on different indicators which are relevant in examining the performance of banks in financing different types of loans in Aizawl City, Mizoram. Ban...
The Impact of Tourism Growth against Growth of Small Medium Enterprises
This research aims to describe and analyze the influence of tourism growth against a growth of small to medium businesses and micro. Object data in this study-Indonesia Growth years 2012-2016 and growth of small and medi...
Impact of Ginger Production on Poverty Alleviation in Kaduna State, Nigeria
The study examines the impact of ginger production on poverty alleviation in Kaduna State, Nigeria. A total of 253 ginger farmers were purposive randomly selected from Kachia, Kagarko and Jaba Local Government Areas of K...