Abstract
Financing in Sharia Micro Financing Institutions (BMT) is dominated by certainty contracts, as it has less risk than syirkah contract like Mudharabah or Musyarakah based on Natural Uncertainty Contract (NUC). Implementation constraints syirkah contracts exist on both parties, financial institutions and clients. due to lack of financial reports, honesty and transparency of the client's business (asismetric information). The Client gives a business report if the results obtained are small or equivalent to the bank interest rate, but if the business profit is good, then the profit share must be high. This research is a qualitative descriptive analytical research, to see the implementation of syirkah contract on Sharia Micro Finance Institution (BMT) in Jepara Regency and its syariah compliance based on DSN-MUI fatwa. The results showed that BMT in Jepara regency can not fulfill the compliance of shariah contract of Natural Uncertanty Contract (NUC) due to high risk, human resource capability and low comprehension and lack of client's financial report.
Highlights
Financing in Sharia Micro Financing Institutions (BMT) is dominated by certainty contracts, as it has less risk than syirkah contract like Mudharabah or Musyarakah based on Natural Uncertainty Contract (NUC)
The results showed that BMT in Jepara regency can not fulfill the compliance of shariah contract of Natural Uncertanty Contract (NUC) due to high risk, human resource capability and low comprehension and lack of client's financial report
PENUTUP BMT di Kabupaten Jepara dalam melaksanakan Akad syirkah yang berbasis Natural Uncertanty Contract (NUC) sesuai fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) terkendal; pertama; http://journal.unesa.ac.id/index.php/jie tingginya risiko yang harus ditanggung oleh BMT; kedua; rendahnya kemampuan SDM BMT, dan ketiga; ketiadaan laporan keuangan angota/nasabah yang standar, sehingga akad syirkah sulit dijalankan secara tepat
Summary
Financing in Sharia Micro Financing Institutions (BMT) is dominated by certainty contracts, as it has less risk than syirkah contract like Mudharabah or Musyarakah based on Natural Uncertainty Contract (NUC). Penelitian ini adalah penelitian kualitatif deskriptif analitis, untuk melihat dengan objektif pelaksanaan akad syirkah pada Lembaga Keuangan Mikro Syariah (BMT) di Kabupaten Jepara dan kepatuhan syariahnya (sharia compliant) berdasarkan fatwa DSN-MUI tentang akad syirkah.
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