Oleh kelompok 7
Group Members
Zika Fahrina Dinana (40123004)
Nova Safitri (40123005)
Anjani (40123027)
Rezania Aprilia (40123041)
Nabila Zahwa Kamila (40123048)
Vania Dini Anindya (40124052)
Meaning of Mudharabah
Mudharabah is a form of contract or
business agreement in sharia
economics that is widely used in the
business world, which relies on
cooperation between capital and
management. This contract is used by
small to large scale businesses, both
in the banking, investment and
insurance sectors.
Characteristics of Mudharabah
Contract
Some of the characteristics of mudharabah contracts in general
are as follows:
1. Relying on cooperation between shahibul mal and mudharib.
2. The distribution of benefits between shahibul mal and
mudharib is based on an agreement that has been made
together.
3. Shahibul mal bears the risk of the funds that have been
given.
4. Mudharib as the capital manager does not bear the risk of
loss on his investment as long as it is not due to his
negligence.
5. Capital management decisions are made by mudharib.
Types of Mudharabah
Mudharabah is a business cooperation agreement between the owner
of funds (shahibul maal) and the fund manager (mudharib) in sharia
economics. This contract is divided into three types: mudharabah
mutlaqah, mudharabah muqayyadah and Mudharabah Musytarakah.
Mudharabah mutlaqah Mudharabah muqayyadah
The meaning is the
The meaning is the
transfer of
surrender of capital
committed capital.
without conditions.
Entrepreneurs or
The entrepreneur or
mudharibs can only
mudharib is free to
manage that capital
manage the capital in with efforts that
any business that he have been
thinks will bring previously agreed or
profit. determined.
Types of Mudharabah
Mudharabah Musytarakah
Mudharabah musytarakah is a
combination of mudhorobah
and musyarakah (partnership)
principles. In this type, the
capital owner provides funds
to the manager, but the
manager also has the option to
invest his own capital in the
business.
Benefits of mudharabah
The benefits include increasing profit
sharing, providing capital facilities,
creating partnerships, controlling
risk, and maintaining sustainable
partnerships. The mudharabah
agreement provides significant
benefits to the capital owner, the
capital manager, and the bank.
Questions
1. Explain what is meant by
mudhorobah?
2. What are the characteristics
of Mudhorobah?
3. What are the types of
Mudhorobah?
&
Any Questions?
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