STRATEGI PEMBIAYAAN MUDHȂRABAH DI PUSAT KOPERASI SYARIAH ALKAMIL JAWA TIMUR

Khofifah Sa’adah; Achmad Febrianto

doi:10.31955/mea.v5i1.1042

Khofifah Sa’adah Universitas Nurul Jadid, Probolinggo
Achmad Febrianto Universitas Nurul Jadid, Probolinggo

DOI: https://doi.org/10.31955/mea.v5i1.1042

Abstract

Alkamil Sharia Cooperative provides mudharabah financing products to accelerate business growth. This product is offered for a variety of business scales, including micro and macro scales. Where Islamic cooperatives are the main choice for carrying out economic activities, where mudaraba is one of the primary cooperative members chosen as business partners, it is interesting to see how strategies to achieve goals with increased income will prove that the sharia economic system is really being implemented with optimal. This paper aims to identify the difficulties experienced by Islamic cooperatives in promoting mudharabah products and optimize them as a way to increase the independence of the business financial system. This study uses a qualitative descriptive field research. Primary data obtained by data collection and interviews. The results showed that the strategy in all organizational activities implemented by sharia cooperatives in optimizing mudharabah financing by applying Islamic values based on tauhid principles, world-ukhrawi orientation, mardlatillah motivation, and belief and awareness at work.

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