Authors : Zulkifli Rusby, Zulfadli Hamzah, Detri Karya and Evizal Abdul Kadir
Abstract: Application of profit sharing (Mudharabah) principle in finance conducting by Bank Muamalat Pekanbaru branch has given much contribution for small and medium enterpreneur development in Indonesia particularly in Pekanbaru. It is more flexible in the provision of collateral, more flexible in setting rewards and broader in facilities (including banking and financial institution such as receivables factoring, venture capital, leasing and mortgage). On the other hand, the quality of Islamic bank financing is relatively better. Therefore, this research describes the application of Mudharabah financing toward small and medium entrepreneur in Bank Muamalat Indonesia branch of Pekanbaru. In this study, employs the method of descriptive quantitative analysis, the data used are primary data obtain from interview and questionnaire. The respondent consists of 50 customers who have received financing Mudharabah from Bank Muamalat. According to the report, it can be conclude that the characteristic of small and medium entrepreneur who received financing is based on assessment in profile or identity of customer, kind and form of business, form of financial statement and collateral in financing is categorized in fair. The application of Mudharabah based on assessment of application aqad financing Mudharabah, application term and financing procedure, period and profit sharing ratio, disbursement of financing is categorized in fair. Finally, suggestion to the Bank Muamalat Indonesia intensively to give socialization or understanding related application in financing Mudharabah toward small and medium entrepreneur intensively.
Zulkifli Rusby, Zulfadli Hamzah, Detri Karya and Evizal Abdul Kadir, 2016. Application of Mudharabah Financing Toward Small and Medium Entrepreneur in Bank Muamalat Pekanbaru Branch Indonesia. International Business Management, 10: 778-783.