Komparasi Pendapat Ulama Madzhab Tentang Syirkah dan Prakteknya Dalam Pengembangan Bisnis UMKM
Keywords:
Shirkah, MSME, Al-Mudharabah
Abstract
This article discusses the application of shirkah contracts, particularly shirkah al-mudharabah, in the development of Micro, Small and Medium Enterprises (MSMEs) in Indonesia. The background of this research focuses on the dominance of murabaha contracts in Islamic banking financing, which often do not meet the needs of businesses that want to avoid interest-bearing debt. This research uses descriptive and content analysis on the case of Toko Kurmanis to explore how cooperation between business owners and investors can improve access to capital and create a fair profit-sharing system. Through a literature review and content analysis of a video entitled “Kurmanis Business,” this research found that the implementation of shirkah not only provides financial benefits, but also promotes sustainable business growth. The main conclusion of this study shows that shirkah al-mudharabah can be an effective alternative in the development of MSMEs, with the potential to improve operational efficiency and expand market networks.
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References
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Sabiq, Sayyid. (2002). Fiqh Sunnah. Bandung : PT. Al-Ma’rif.
Sari, M., Asmendri. (2018). “Penelitian Kepustakaan (Library Research) dalam Penelitian Pendidikan IPA”. Natural Science: Jurnal Penelitian Bidang IPA dan Pendidikan IPA, 6(1), 41-53. https://doi.org/10.15548/nsc.v6i1.1555
Suhendi, Hendi. (2008). Fiqih Muamalah. Jakarta: Raja Grafindo Persada.
Syafe’i, Rachmat. (2004). Fiqh Muamalah. Bandung: Pustaka Setia.
Usmani, M.I. (2002). Meezanbank’s Guide to Islamic Banking Karachi. Pakistan: Darul-Ishaat.
Wahyuni, S. (2022). The Effect of Buy and Sell Financing (Murabahah), Profit Share Financing (Mudarabah), Equity Capital Financing (Musyarakah), and Non-Performing Financing Ratio towards Firm Performance: The Role of Profitability as mediating and Firm size as Moderating Variables in Sharia Commercial Banks in Indonesia. Scholars Journal of Economics, Business and Management, 9(4), 95–104. https://doi.org/10.36347/sjebm.2022.v09i04.004
Yuspin, W., Putri, A.D. (2020). “Reconstruction of Law Guarantee in Akad Mudharabah: A Study of Takwil Interpretation”. International Journal of Innovation, Creativity and Change, Volume 12, Issue 1, 2020, hal. 494-510.
Video YouTube:
TVBisnis. (2020, September 21). Bisnis kurma modal syirkah, punya 200 reseller lebih! [Video]. YouTube. https://www.youtube.com/watch?v=WppJ8MhP7_s
al-bahwaty, Manshur bin Yunus bin Idris. (1981). Kasyaaf al-Qana’ ‘An Matan al-Iqna Juz 3’. Beirut: Dar al-Fikr.
Al-Bugha, Musthafa Dib. (2009). Fikih Isalam Lengkap Penjelasan Hukum-hukum Islam Mazhab Syafi’i. Solo: Media Zikir.
Ali, S. A. M., Hassan, R., & Othman, A. A. (2024). Al-Musharakah-Led Islamic Sustainable Finance. In Islamic Finance and Sustainable Development (1st Editio, p. 14). Routledge.
Al-Jaziri. (t.t.). al-Fiqh ‘ala Mazahib Juzu‟ III.
Arsiti, N., & Asmuni. (2024). Application of the Principle of Al-Adah Muhakkamah in Mudharabah Practice. AJIS : Academic Journal of Islamic Studies, 9(2), 478–495.
Ascarya. (2006). Akad dan Produk Bank Syariah: Konsep dan Prakteknya di Beberapa Negara. Jakarta: Bank Indonesia.
Asy-Syafi’i. (1989). Al-Umm Jilid 5, Cet. Ke-2. Alih Bahasa. H. Ismail Yakub. Malaysia: Victory Agencie.
Ath-Thayyar, Abdullah bin Muhammad. (2014). Ensiklopedi Fiqih Muamalah Dalam Pandangan 4 Madzhab. Yogyakarta: Maktabah Al-Hanif.
Az-Zuhaili, Wahbah. (2003). Fiqhul Islam wa adillatuhu Juz III. Bairut: Darul al Fikr.
Dahlan, Abdul Azis. (1996). Ensiklopedi Hukum Islam. Jakarta: Ichtiar Baru Van Hoeve.
Erisman, J., & Hasnita, N. (2022). Potential of Sharia-Based Equity Crowdfunding for Micro Small and Medium Enterprises (Msme) Financing in Indonesia. Proceeding of Dirundeng International Conference on Islamic Studies (DICIS 2022), 155–172.
Fadhilah, N. (2022). The Application of Profit Sharing of Shirkah Contract During New Normal Era at Micro, Small, and Medium Enterprise (MSME), Warung Sate Joenedin Samarinda. JES (Jurnal Ekonomi Syariah), 7(1), 14–27. https://doi.org/10.30736/jesa.v7i1.209
Fauzi, Rifai. (2013). Terjemahan Al-Um Jilid IV. Jakarta: Pustaka Azzam.
Harahap, N. (2014). “Penelitian Kepustakaan”. Jurnal Iqra’, 08(01), 68–73. https://doi.org/http://dx.doi.org/10.30829/iqra.v8i1.65
Haroen, Nasrun. (2007). Fiqh Muamalah. Jakarta: PT Gaya Media Pratama.
Ibrahim, E., Akbar, W., Mujiburohman, M., & Rahima, D. (2023). Mudharabah Contract as Economic Strengthening in Indonesia (Literature Study on Islamic Financial Institutions and Community Economic Activities). Jurnal Al-Qardh, 8(1), 52–63. https://doi.org/10.23971/jaq.v8i1.6654
Jaffar, Maheran M. (2010). “Mudharabah and Musyarakah Models of Joint Venture Investments between Two Parties”. 2010 International Conference on Science and Social Research (CSSR 2010), December 5 - 7, 2010, Kuala Lumpur, Malaysia, hal. 42-47.
Khairi, Muftahul. (2009). Ensiklopedi Fiqih Muamalah Dalam Padangan 4 Mazhab. Yogykarta: Maktabah Al-Hanif.
Komarudin, P., Hadi, H., & Sodiki, M. (2023). Productive Financing Problems in Islamic Banks (Research at Universities in Indonesia : A Systematic Literature Review Analysis). Al-Insyiroh: Jurnal Studi Keislaman, 9(1), 168–209. https://doi.org/10.51339/nisbah.v1i2.167
Lita, H. N., Mahamood, S. M. B., Suryamah, A., & Darodjat, R. (2023). Implementation of Syirkah Principles (Partnership) in the Establishment of a Waqf Asset Management Company. International Journal of Islamic Economics and Governance, 4(2), 65–77. https://doi.org/10.58932/muld0031
Mahkamah Agung RI. (2011). Kompilasi Hukum Ekonomi Syari’ah Edisi Revisi. Jakarta: Mahkamah Agung RI.
Manap, Sarah H.A., Siththi, F., Long, S., Muneeza, A. (2017). “Poverty Alleviation via Microfinance using the Concept of Mudharabah”. International Journal of Management and Applied Research, 2017, Vol. 4, No. 3, hal. 166-178.
Muhammad, Abdullah bin Qudamah al-Muqodasiy Abu. al-Kafi fi Fiqh al-Imam Ahmad bin Hanbal (maktabah syamilah) juz.2, hal.146.
Rammal, H.G. (2004) “Financing Through Musharaka: Principles and Application”, Business Quest, Online, diakses dari http://www.westga.edu/~bquest/2004/musharaka.htm pada 10 Desember 2022.
Sabiq, Sayyid. (2002). Fiqh Sunnah. Bandung : PT. Al-Ma’rif.
Sari, M., Asmendri. (2018). “Penelitian Kepustakaan (Library Research) dalam Penelitian Pendidikan IPA”. Natural Science: Jurnal Penelitian Bidang IPA dan Pendidikan IPA, 6(1), 41-53. https://doi.org/10.15548/nsc.v6i1.1555
Suhendi, Hendi. (2008). Fiqih Muamalah. Jakarta: Raja Grafindo Persada.
Syafe’i, Rachmat. (2004). Fiqh Muamalah. Bandung: Pustaka Setia.
Usmani, M.I. (2002). Meezanbank’s Guide to Islamic Banking Karachi. Pakistan: Darul-Ishaat.
Wahyuni, S. (2022). The Effect of Buy and Sell Financing (Murabahah), Profit Share Financing (Mudarabah), Equity Capital Financing (Musyarakah), and Non-Performing Financing Ratio towards Firm Performance: The Role of Profitability as mediating and Firm size as Moderating Variables in Sharia Commercial Banks in Indonesia. Scholars Journal of Economics, Business and Management, 9(4), 95–104. https://doi.org/10.36347/sjebm.2022.v09i04.004
Yuspin, W., Putri, A.D. (2020). “Reconstruction of Law Guarantee in Akad Mudharabah: A Study of Takwil Interpretation”. International Journal of Innovation, Creativity and Change, Volume 12, Issue 1, 2020, hal. 494-510.
Video YouTube:
TVBisnis. (2020, September 21). Bisnis kurma modal syirkah, punya 200 reseller lebih! [Video]. YouTube. https://www.youtube.com/watch?v=WppJ8MhP7_s
Published
2025-03-29
How to Cite
Nopianti, N., & Munandar, E. (2025). Komparasi Pendapat Ulama Madzhab Tentang Syirkah dan Prakteknya Dalam Pengembangan Bisnis UMKM. Al-Urwatul Wutsqo : Jurnal Ilmu Keislaman Dan Pendidikan, 6(1), 200-208. https://doi.org/10.62285/alurwatulwutsqo.v6i1.273
Section
Articles
