Akad Mudharabah : Alternatif Model Pembiayaan Berbasis Prinsip Keuangan Syari’ah
Abstract
Abstrak
Mudharabah merupakan salah satu produk pembiayaan berprinsip syari’ah yang berdasarkan pada pembagian keuntungan. Syarat dan rukun mudharabah menunjukkan keadilan antara pihak pemilik modal (shohibul maal) dan pihak pengelola modal (mudharib). Model pembayaran pengembalian modal yang fleksibel tetapi tetap dibawah pengawasan pemilik modal menjadi faktor kemudahan bagi pengelola modal untuk lebih leluasa mengoptimalkan modal kerjanya. Selain itu, pembagian (nisbah) keuntungan yang ditetapkan secara proporsional diawal akad mencegah terjadinya perselisihan antara kedua belah pihak.
Abstract
Mudharabah is one of the several modes of financing in syari’ah, based on profit-and-loss-sharing. The terms in mudharabah indicate fairness both financier (shohibul maal) and entrepreneur (mudharib). The flexibility of the loan repayment whereas still under control of the principal gives chance for entrepreneur to expand the capital. Besides the profit-sharing rates which are predeterminded will prohibit disagreement between financier and entrepreneur.
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