Penerapan Mudharabah pada BMT sebagai Solusi Ekonomi Umat
Abstract
Abstract
This study discusses the application of mudharabah in BMT Syariah. The purpose of this study is to analyze the application of mudharabah in BMT Syariah. This research is the rationale for starting to build mudharabah products that can be an economic solution for the people. This study uses a descriptive exploratory qualitative approach and library research, which refers to the primary materials of the two components that are the subject of discussion, namely the study of mudharabah and Sharia BMT. Coupled with other books related to the problems studied. While the writing method used is descriptive analytic, namely by collecting actual information in detail and thoroughly from the data obtained, to be further described in accordance with the problem being studied, then analyzed directly. The result of the research is that the mudharabah product applied in BMT can be a solution to achieve a good and prosperous economy for the people. Especially in the midst of a situation when other financial institutions seem to be a difficult space for people to become economic partners.
Keywords: mudharabah, ekonomi syariah, BMT.
Abstrak
Penelitian ini membahas tentang penerapan mudharabah pada BMT Syariah. Tujuan penelitian ini adalah mengalisis penerapan mudharabah pada BMT Syariah. Penelitian ini menjadi dasar pemikiran untuk mengawali membangun produk mudharabah yang dapat menjadi solusi ekonomi umat. Penelitian ini menggunakan metode pendekatan kualitatif deskriptif eksploratif dan study kepustakaan (library research), yakni mengacu kepada bahan-bahan primer dari dua komponin yang menjadi pokok pembahasan, yaitu studi tentang mudharabah dan BMT Syariah. Ditambah pula dengan buku-buku lain yang berkaitan dengan permasalahan yang diteliti. Sedangkan metode penulisan yang digunakan adalah deskriptif analitik, yaitu dengan mengumpulkan informasi aktual secara terperinci dan menyeluruh dari data yang diperoleh, untuk selanjutnya dideskripsikan sesuai dengan masalah yang sedang diteliti, kemudian dianalisis secara langsung. Hasil penelitian adalah bahwa seharusnya produk mudharabah yang diterapkan di BMT bisa menjadi solusi untuk mencapai ekonomi umat yang baik dan sejahtera. Terlebih di tengah-tengah keadaan saat lembaga keuangan lain seolah menjadi ruang yang sulit bagi umat untuk dijadikan patner ekonomi.
Kata kunci: Mudharabah, ekonomi syariah, BMT
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