Konsep Musyarakah Dalam Perbankan Syariah

Authors

  • Miftaqul Qoiriyah Universitas Pembangunan Nasional “Veteran” Jawa Timur
  • Nabila Kusari Yanti Universitas Pembangunan Nasional “Veteran” Jawa Timur
  • Catharina Marcella Vicky Budiono Universitas Pembangunan Nasional “Veteran” Jawa Timur
  • Fabian Crisandy Edlin Djaelani Universitas Pembangunan Nasional “Veteran” Jawa Timur
  • Renny Oktafia Universitas Pembangunan Nasional “Veteran” Jawa Timur

DOI:

https://doi.org/10.61722/jiem.v2i3.1097

Keywords:

Musyarakah, Islamic Banking, Financing, Islamic Finance

Abstract

Musyarakah in Islamic Banking is a key principle that underscores the concept of capital partnership in the Islamic financial system. In musyarakah, two or more parties combine capital and resources to form a venture with a mutually agreed division of profits and risks. There are several types of musyarakah, such as Mutanaqisah, Permanent, and Limited Musyarakah, each of which has different characteristics and applications. The terms of musyarakah financing include agreement on the proportion of profit and risk sharing, clarity on the capital and project financed, and transparency in the management of the business. From a banking perspective, musyarakah offers more than just a financing product; it is a means to build strong relationships between banks and customers based on the principles of trust, openness and fairness. By facilitating fair and ethical financing, musyarakah promotes broader and more sustainable economic inclusion, and enhances the overall welfare of society.

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Published

2024-03-17

Issue

Vol. 2 No. 3 (2024): Maret

Section

Articles

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