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Skema Bagi Hasil Mudharabah
Aswad, Muhammad
Aswad, Muhammad
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Abstract
This research is aimed to explain prominence of scheme of revenue sharing (contract of mudarabah) in productive funding by micro-sharia banking (BMT) for members of the POKUSMA (i.e. roof-tiled makers). Used-method in this research is through comparing between revenue sharing, gross profit sharing and net profit sharing. Collecting data is used to get clear information on cost of operational components of production, desired profits, and rate-sell of goods based on current market demand. Based on percentage of profits of the three mentioned schemes, those of revenue sharing, gross profit sharing and net profit sharing, it concludes that the scheme of net profit sharing is the most profitable scheme for the roof-tiled makers with a percentage of 41%, and BMT is 59%. On the other hand, the height of percentage of net profit is in line with level of risk which received by shahibul mal (BMT). Scheme of net profit sharing which has been developed in funding for roof-tiled industry is more profitable, and roof-tiled maker’s revenue may well be fluctuating in line with the fluctuation of their business. This description gives an obvious picture in real on the industry and its economy. Whereas fixed rate banking is not giving a real picture of given economy. Thus, it emphasizes in more detail the difference between fix rate in conventional bank and the scheme of profit sharing.
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2014-02
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With permission of the license/copyright holder