Analisis Penghambat Sulitnya Penerapan Akad Mudharabah pada Koperasi Serba Usaha Syariah Mitra Mandiri Pratama Sei Mencirim

Putri Qhoirunnisa; Sarwo Edi; Asmaul Husna

doi:10.35870/jemsi.v8i2.856

Published: 2022-11-30

Analisis Penghambat Sulitnya Penerapan Akad Mudharabah pada Koperasi Serba Usaha Syariah Mitra Mandiri Pratama Sei Mencirim

DOI: 10.35870/jemsi.v8i2.856

Putri Qhoirunnisa, Sarwo Edi, Asmaul Husna

Affiliation Details

Putri Qhoirunnisa: Universitas Muhammadiyah Sumatera Utara
Sarwo Edi: Universitas Muhammadiyah Sumatera Utara
Asmaul Husna: Universitas Muhammadiyah Sumatera Utara

The purpose of this study was to find out (1) what factors hindered the difficulty of implementing mudharabah contracts at KSU Syariah Mitra Mandiri Pratama (2) to analyze what had been done by KSU Syariah Mitra Mandiri Pratama to overcome the difficulties of applying mudharabah contracts. This study used a qualitative approach with a descriptive research type. The data used are primary data obtained from direct interviews with members of the mudharabah financing and also managers of the Mitra Mandiri Pratama Sharia Multi-Business Cooperative and secondary data obtained from the second source after primary data, namely using books. In this study using data analysis techniques, namely data reduction, data presentation, drawing conclusions and verification. The results of the study show that the factors that hinder the difficulty of applying the mudharabah contract include (1) members' moral hazard behavior (2) the seriousness of the mudarib members in running a business financed by the sharia cooperative concerned (3) violation of the provisions agreed according to the agreement where members do not use funds with what is stated in the agreement or contract (4) the internal management of the mudharib company that has not been carried out professionally according to management standards agreed between sharia cooperatives and members.

Keywords

Mudharabah Agreement ; Member Interest ; Moral Hazard

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Qhoirunnisa, P., Edi, S., & Husna, A. (2022). Analisis Penghambat Sulitnya Penerapan Akad Mudharabah pada Koperasi Serba Usaha Syariah Mitra Mandiri Pratama Sei Mencirim. JEMSI (Jurnal Ekonomi, Manajemen, Dan Akuntansi), 8(2), 182-191. https://doi.org/10.35870/jemsi.v8i2.856

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This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.

Issue: Vol. 8 No. 2 (2022)
Section: Articles
Published: November 30, 2022

License: CC BY 4.0
Copyright: © 2022 Authors
DOI: 10.35870/jemsi.v8i2.856

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Author Biographies

Putri Qhoirunnisa

Universitas Muhammadiyah Sumatera Utara, Jalan Kapten Muchtar Basri No.3, Kota Medan, Provinsi Sumatera Utara, Indonesia

Sarwo Edi

Universitas Muhammadiyah Sumatera Utara, Jalan Kapten Muchtar Basri No.3, Kota Medan, Provinsi Sumatera Utara, Indonesia

Asmaul Husna

Universitas Muhammadiyah Sumatera Utara, Jalan Kapten Muchtar Basri No.3, Kota Medan, Provinsi Sumatera Utara, Indonesia

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Published: 2022-11-30

Analisis Penghambat Sulitnya Penerapan Akad Mudharabah pada Koperasi Serba Usaha Syariah Mitra Mandiri Pratama Sei Mencirim