ANALISIS PEMBIAYAAN MUDHARABAH pada KJKS BMT USAHA MANDIRI SEJAHTERA BREBES
PUTRA, HANDY RESTU
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The aim of this final research is to determine the procedure which done in KJKS BMT Sejahtera Usaha Mandiri in giving fund. This research also to find out how the method of realizing the funding agreement according the DSN-MUI Fatwa No. 07 / DSN / MUI / IV/ 2000 in KJKS BMT Usaha Mandiri Sejahtera. The type of this research that the authors used was descriptive qualitative research. The qualitative research is an ordinance of research that produces descriptive data, which was stated by the respondent in writing or oral responding and also real behavior. The data of Qualitative research could be gotten from the field directly in the form of oral data from interviews and writen data or document. Descriptive research is research that aims to describe accurately the properties of an individual, condition or a particular group to determine whether there is a relationship between any indication with other indications in society. Based on the research that has been made known that the implementation of financing in BMT Usaha Mandiri Sejahtera has been good. However, there are still some realization mudharabah are not in accordance with the provisions of Fatwa DSN-MUI No. 07/DSN/MUI/IV/2000 that in implementing the working capital financing provided to customers by 100% but BMT Usaha Mandiri Sejahtera only provide working capital financing of 80%,because of the many considerations in reaching a decision regarding capital financing that will be provided to customers, in terms of return on BMT Usaha Mandiri Sejahtera is also incompatible with the DSN-MUI Fatwa No. 07 / DSN / MUI / IV / 2000. Although it is already a done deal in the contract, but BMT often reminded and went to the customer for a refund or withdraw installments. Although it is already a done deal in the contract, but BMT often reminded and went to the customer for a refund or withdraw installment supposed to issue a refund or installment payment, the customer (mudharib) is obliged to come directly to BMT (Shohibul maal). It is all done because it was the beginning of the agreement.