PEMBIAYAAN MUDHARABAH BANK SYARIAH DALAM MEWUJUDKAN TUJUAN EKONOMI ISLAM

Abstract

The purpose of this study is to analyze the implementation of mudharabah in Islamic bank financing products in order to achieve the goals of Islamic economics. This research uses a descriptive exploratory qualitative approach. This research is a literature study which is conducted exploratively. The results show that the goal of an Islamic bank should be an institution that introduces the objectives of Islamic economics. Islamic banking institutions must uphold social goals and promote Islamic values ​​to staff, customers and the general public, including contributing to the social welfare of society, promoting sustainable development and reducing poverty. The most appropriate product to be developed at a sharia bank that is in line with the objectives of the Islamic economy is mudharabah based financing. Although there are challenges in its implementation, in mudaraba there are two agreements that can be made to overcome it, namely mudarib is asked to contribute capital and mudharib is asked to share in the loss to a certain extent.