Optimalisasi Pembiayaan Murabahah dalam Meningkatkan Pendapatan Pembiayaan Di KSPPS Al-Husna Secang
DOI:
https://doi.org/10.30651/jms.v9i2.22159Abstract
Penelitian ini menggambarkan peran pembiayaan murabahah dalam meningkatkan pendapatan di Koperasi Simpan Pinjam Syariah (KSPPS) Al-Husna. Pembiayaan murabahah di KSPPS Al-Husna dijelaskan sebagai salah satu instrumen pembiayaan yang efektif dan sesuai dengan prinsip syariah. Konsep dasar pembiayaan murabahah, syarat-syarat yang harus dipenuhi, dan dasar hukumnya yang meliputi fatwa DSN MUI No. 04/DSN-MUI/IV/2000 menjadi fokus dalam pembahasan. Selain itu, peran KSPPS sebagai lembaga keuangan syariah dalam mendukung pertumbuhan ekonomi mikro dan menengah juga dibahas dalam konteks pengelolaan keuangan yang efisien. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan lapangan. Data diperoleh melalui observasi, wawancara, dan analisis dokumen. Hasil penelitian menunjukkan bahwa pembiayaan murabahah memiliki dampak positif terhadap pendapatan KSPPS Al-Husna, namun juga menghadapi tantangan seperti pengelolaan risiko dan kepatuhan terhadap prinsip syariah. Oleh karena itu, strategi strategi untuk meningkatkan pendapatan pembiayaan, seperti diversifikasi produk, peningkatan layanan, promosi aktif, kemitraan kerjasama, dan edukasi keuangan menjadi penting dalam konteks ini. Penelitian ini memberikan wawasan mendalam tentang sistem pengelolaan keuangan dan langkah-langkah yang dapat diambil untuk meningkatkan pendapatan pembiayaan di KSPPS Al-Husna.
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