PROBLEMATIKA PENGHIMPUNAN DANA AKAD MUDHARABAH DI BAITUL MAAL WAT TAMWIL FASTABIQUL KHAERAT MAKASSAR
Abstract
Abstrak
Perkembangan lembaga keuangan di Indonesia saat ini sangatlah pesat baik mikro maupun makro, hal ini ditandai semakin banyaknya lembaga keuangan yang berdiri, salah satunya yaitu Baitul Maal Wat Tamwil, Baitul Maal Wat Tamwil merupakan bagian dari ekonomi syariah, yang bentuknya semacam lembaga swadaya masyarakat yang sistem operasionalnya tidak mengandalkan bunga, bentuknya seperti Bank koperasi dengan pengecualian ukurannya yang kecil dan tidak mempunyai akses ke pasar uang disamping banyaknya keunggulan yang ditawarkan oleh BMT masih terdapat banyak problematika yang dihadapi baik dari segi penghimpunan maupun penyalurannya, di BMT Fastabiqul Khaerat misalnya, minat Masyarakat untuk menghimpun dana dengan akad mudharabah sangat kecil (deposito dan tabungan Mudharabah), untuk itu diperlukan adanya solusi dalam menanggulangi problematika-problematika yang dihadapi BMT.
Kata Kunci: Akad Mudharabah, Penghimpunan Dana, Problematika.
Abstrack
The development of financial institutions in Indonesia is currently very fast, both micro and macro, this is indicated by the increasing number of financial institutions that have been established, one of which is Baitul Maal Wat Tamwil, Baitul Maal Wat Tamwil is part of the sharia economy, which is a kind of non-governmental organization whose system is its operations do not rely on interest, it is shaped like a cooperative bank with the exception of its small size and does not have access to the money market in addition to the many advantages offered by BMT there are still many problems faced both in terms of collection and distribution, in BMT Fastabiqul Khaerat for example, public interest in collect funds with very small mudharabah contracts (mudharabah deposits and savings), for this reason a solution is needed to overcome the problems faced by BMT
Keywords: Fundraising, Mudharabah Agreement, Problematic.
Once an article was published in the journal, the author(s) are:
- to retain copyright and grant to the journal right licensed under Creative Commons License Attribution that allows others to share the work with an acknowledgement of the work's authorship.
- permitted to publish their work online in third parties as it can lead wider dissemination of the work, with an acknowledgement of its initial publication in this journal
- continue to be the copyright owner and allow the journal to publish the article with the CC BY-NC-SA license
- receiving a DOI (Digital Object Identifier) of the work.
