Analisis Efektivitas Akad Muḍārabah dalam Pembiayaan Modal Usaha UMKM (Studi Kasus KSPPS Nuri Jatim Pamekasan)

Authors

  • Zakiyatul Alfiyah Universitas Al-Amien Prenduan
  • Cici’ Insiyah Universitas Al-Amien Prenduan

DOI:

https://doi.org/10.30651/jms.v10i4.27657

Abstract

Di Indonesia, lembaga keuangan syariah seperti KSPPS (Koperasi Simpan Pinjam Pembiayaan Syariah) memiliki peran penting dalam mendukung pembiayaan bagi UMKM. Penelitian ini mengangkat tiga fokus utama: pertama, implementasi akad muḍārabah dalam pembiayaan UMKM di KSPPS Nuri Jatim Pamekasan. Kedua, dampak akad muḍārabah terhadap pertumbuhan dan keberhasilan UMKM. Dan ketiga, tantangan serta kendala yang dihadapi KSPPS Nuri Jatim Pamekasan dalam Pelaksanaannya. Penelitian ini menggunakan pendekatan kualitatif dengan jenis studi kasus. Subjek yang diteliti adalah akad muḍārabah dalam pembiayaan modal usaha UMKM di KSPPS Nuri Jatim Pamekasan. Proses pengumpulan data dilakukan melalui observasi, wawancara, dan dokumentasi. Untuk menganalisis data, peneliti melakukan reduksi data. Sedangkan keabsahan data, peneliti menggunakan triangulasi sumber data. Hasil penelitian menunjukkan bahwa Akad muḍārabah di KSPPS Nuri Jatim Pamekasan mengikuti Fatwa DSN-MUI No. 07/DSN-MUI/IV/2000, dengan KSPPS sebagai penyedia modal dan anggota sebagai pengelola usaha, serta nisbah bagi hasil 50:50. Proses pelaksanaan meliputi pengajuan permohonan, analisis kelayakan usaha, penandatanganan akad, pencairan modal, monitoring, dan pembagian keuntungan. Kerugian ditanggung KSPPS, kecuali jika disebabkan oleh kelalaian anggota.

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Published

2025-08-05

How to Cite

Zakiyatul Alfiyah, & Cici’ Insiyah. (2025). Analisis Efektivitas Akad Muḍārabah dalam Pembiayaan Modal Usaha UMKM (Studi Kasus KSPPS Nuri Jatim Pamekasan). Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 10(4). https://doi.org/10.30651/jms.v10i4.27657

Issue

Vol. 10 No. 4 (2025)

Section

Artikel

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