IMPLEMENTASI SIMPANAN MUDHARABAH PADA SYARIKAH TAKAFFUL IBNU AFFAN SONGKHLA THAILAND SELATAN DAN BMT ISTIQOMAH BAGO TULUNGAGUNG INDONESIA

Umi Sulaim Rufaida, 3223113089 (2017) IMPLEMENTASI SIMPANAN MUDHARABAH PADA SYARIKAH TAKAFFUL IBNU AFFAN SONGKHLA THAILAND SELATAN DAN BMT ISTIQOMAH BAGO TULUNGAGUNG INDONESIA. [ Skripsi ]

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Abstract

The main activities of financial institutions are to collecting and distributng funds. In order to raise funds, Islamic financial institutions (LKS) has several savings products. One of them is use of mudharabah savingscontract that uses the principle of profit sharing. In practice, the contract of mudharabah savings have some savings procedures and systems for results that have different characteristics from one institution to another institution. Formulation of the problem in this research are: 1) How is the implementation of Mudharabah savings on Ibn Affan Islamic Cooperative in Songkhla South Thailand? 2) How is the implementation of Mudharabah savings on BMT Istiqomah Bago Tulungagung Indonesia? 3) What are some differences in the implementation of Mudharabah savings on Ibn Affan Islamic Cooperative Songkhla South Thailand and BMT Istiqomah Bago Tulungagung Indonesia? This thesis is theoretically beneficial to the development of science in the part of Islamic financial institutions and practical benefit to the academic as the contribution of scientific thought, for BMT and Syarikat useful for the improvement of the implementation mudharabah for each institution and as a material consideration in deciding a policy, and for researchers continued as an addition to insights and references for further research. Type of this research is qualitative and type of research is phenomenology that explains the phenomenon related to the implementation at both institutions, using interviews as the main instrument of research, observation and documentation as an additional/support instrument. The data obtained were collected and analyzed qualitatively, then the author describes data using descriptive explanation. The main data sources are the primary data that is backed up with a secondary data. The first results of this research; both institutions are equally implemented procedures mudharabah savings, both using mudharabah muhlaqah, both using revenue sharing system but there are differences in the stages because Syarikat only apply one of mudharabah savings and BMT apply two of mudharabah saving second; There are 7 differences related to the implementation of Mudharabah savings in Syarikah Takafful Ibn Affan Songkhla South Thailand and BMT Istiqomah Bago Tulungagung Indonesia; 1) mudaraba savings products. 2) The requirement to register along with the procedure. 3) The distribution of profits (profit sharing) and maturities. 4) There is and whether fines if mudharabah with draw deposits before maturity. 5) Allocation of Mudharabah savings. 6) Transparency of calculation for results. 7) There is and whether the charity each time the results will be shared.

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