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ANALISIS EKONOMI ISLAM TERHADAP BAGI HASIL PEMBIAYAAN MUDHARABAH UNTUK USAHA MIKRO PADA BAITUL QIRADH ABU INDRAPURI

Share: Jurnal Ekonomi dan Keuangan Islam · Vol. 2 No. 1 (2013) · pp. 90–118

DOI
10.22373/share.v2i1.1419
ISSN
2549-0648, 2089-6239
Published
2013-06-30
Publisher
Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry
Language
eng

Abstract

This study generally aims to analyze the concept of mudharabah financing in Baitul Qiradh (BQ) Abu Indrapuri for micro-enterprises. Specifically, the paper reviews the systems implemented in the management and revenue-sharing mechanisms derived from these micro-enterprises. This study employs primary and secondary data which were collected through interview and documentation studies. The data were analyzed using descriptive analysis method. The findings show that generally the concept of mudharabah financing in BQ Abu Indrapuri is based on Fatwa Dewan Syariah Nasional No. 07/DSN/MUI/IV/2000. In the implementation level, however, the application of profit sharing and collateral system was not fully shariah compliance. The imbalance between the concept and implementation because the BQ still refers to the conventional banking rules. =========================================== Penelitian ini secara umum bertujuan untuk menganalisis konsep pembiayaan mudharabah pada Baitul Qiradh (BQ) Abu Indrapuri untuk usaha mikro. Secara spesifik, tulisan mengkaji tentang sistem yang diterapkan dalam pengelolaan dan mekanisme pembagian pendapatan yang diperoleh dari usaha mikro tersebut. Penelitian ini menggunakan data primer dan sekunder yang dikumpulkan dengan teknik wawancara bebas, dan studi dokumentasi. Data yang diperoleh dianalisis dengan menggunakan metode deskriptif analisis. Hasil penelitian menunjukkan bahwa secara umum konsep pembiayaan mudharabah pada BQ Abu Indrapuri berpedoman pada Fatwa Dewan Syariah Nasional No.07/DSN/MUI/IV/2000. Akan tetapi, dalam implementasinya masih terdapat hal-hal yang tidak sesuai dengan konsep syariah yaitu pada sistem bagi hasil dan jaminan. Terdapat ketimpangan antara konsep dan implementasi disebabkan karena BQ Abu Indrapuri masih mengacu pada aturan sistem perbankan konvensional.

Keywords

Collaboration network of the authors

40 authors · 107 co-authorship links · 9 across different organisations · showing the 40 most connected

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Yogyakarta State University
  • Hasanuddin University
  • Universitas Ahmad Dahlan
  • University of Szeged
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Riki PerdanaAffiliation unknown8
İnsih WilujengYogyakarta State University5
Riwayani RiwayaniAffiliation unknown5
Dadan RosanaYogyakarta State University4
Moh. Irma SukarelawanUniversitas Ahmad Dahlan4
Heru KuswantoYogyakarta State University4
Mundilarto MundilartoAffiliation unknown3
Senam SenamYogyakarta State University2
Warsono WarsonoAffiliation unknown2
Habibi HabibiAffiliation unknown2
Soeharto SoehartoUniversity of Szeged2
Dwi Puji AstutiAffiliation unknown2
Jumadi JumadiYogyakarta State University1
Chairul PaotonanAffiliation unknown1
Taufiqur RachmanAffiliation unknown1
Novrian Yosua TimangAffiliation unknown1
Chairul PaotonanHasanuddin University1
Taufiqur RachmanHasanuddin University1
Novrian Yosua TimangHasanuddin University1
A. Octamaya Tenri AwaruAffiliation unknown1
Andi SadrianiAffiliation unknown1
M. Fransazeli MakorohimAffiliation unknown1
Mimi YuliantiAffiliation unknown1
Leni AprianiAffiliation unknown1
Sri Rezeki AmelianaAffiliation unknown1
Abdul MuizAffiliation unknown1
Undang SyaripudinAffiliation unknown1
Ichsan TaufikAffiliation unknown1
Beri Agung WahyudiAffiliation unknown1
Eryanti EryantAffiliation unknown1
Bambang SubaliAffiliation unknown1
A. K. ProdjosantosoAffiliation unknown1
Retno PuspitoriniAffiliation unknown1
Rini BudiartiAffiliation unknown1
Yuli PriyanaAffiliation unknown1
R SuharyadiAffiliation unknown1
Arbind M. TuladharAffiliation unknown1
Muhammad Firman RamadhanAffiliation unknown1
Raden OktovaAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://jurnal.ar-raniry.ac.id/index.php/Share/oai, first harvested 6 Nov 2026, last seen 8 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en">ANALISIS EKONOMI ISLAM TERHADAP BAGI HASIL PEMBIAYAAN MUDHARABAH UNTUK USAHA MIKRO PADA BAITUL QIRADH  ABU INDRAPURI</dc:title>
	<dc:creator xml:lang="en">Jumadi, Jumadi</dc:creator>
	<dc:subject xml:lang="en">Mudharabah Financing</dc:subject>
	<dc:subject xml:lang="en">Micro-enterprises</dc:subject>
	<dc:subject xml:lang="en">Profit and Loss Sharing</dc:subject>
	<dc:subject xml:lang="en">BQ Abu Indrapuri</dc:subject>
	<dc:description xml:lang="en">This study generally aims to analyze the concept of mudharabah financing in Baitul Qiradh (BQ) Abu Indrapuri for micro-enterprises. Specifically, the paper reviews the systems implemented in the management and revenue-sharing mechanisms derived from these micro-enterprises. This study employs primary and secondary data which were collected through interview and documentation studies. The data were analyzed using descriptive analysis method. The findings show that generally the concept of mudharabah financing in BQ Abu Indrapuri is based on Fatwa Dewan Syariah Nasional No. 07/DSN/MUI/IV/2000. In the implementation level, however, the application of profit sharing and collateral system was not fully shariah compliance. The imbalance between the concept and implementation because the BQ still refers to the conventional banking rules.
===========================================
Penelitian ini secara umum bertujuan untuk menganalisis konsep pembiayaan mudharabah pada Baitul Qiradh (BQ) Abu Indrapuri untuk usaha mikro. Secara spesifik, tulisan mengkaji tentang sistem yang diterapkan dalam pengelolaan dan mekanisme pembagian pendapatan yang diperoleh dari usaha mikro tersebut. Penelitian ini menggunakan data primer dan sekunder yang dikumpulkan dengan teknik wawancara bebas, dan studi dokumentasi. Data yang diperoleh dianalisis dengan menggunakan metode deskriptif analisis. Hasil penelitian menunjukkan bahwa secara umum konsep pembiayaan mudharabah pada BQ Abu Indrapuri berpedoman pada Fatwa Dewan Syariah Nasional No.07/DSN/MUI/IV/2000. Akan tetapi, dalam implementasinya masih terdapat hal-hal yang tidak sesuai dengan konsep syariah yaitu pada sistem bagi hasil dan jaminan. Terdapat ketimpangan antara konsep dan implementasi disebabkan karena BQ Abu Indrapuri masih mengacu pada aturan sistem perbankan konvensional.</dc:description>
	<dc:publisher xml:lang="en">Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry</dc:publisher>
	<dc:date>2013-06-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jurnal.ar-raniry.ac.id/index.php/Share/article/view/%231419</dc:identifier>
	<dc:identifier>10.22373/share.v2i1.1419</dc:identifier>
	<dc:source xml:lang="en">Share: Jurnal Ekonomi dan Keuangan Islam; Vol. 2 No. 1 (2013); 90-118</dc:source>
	<dc:source>2549-0648</dc:source>
	<dc:source>2089-6239</dc:source>
	<dc:source>10.22373/share.v2i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jurnal.ar-raniry.ac.id/index.php/Share/article/view/%231419/1037</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2013 SHARE Jurnal Ekonomi dan Keuangan Islam</dc:rights>
</oai_dc:dc>