MODEL PEMBIAYAAN MUDHARABAH PADA PINJAMAN MODAL MELALUI APLIKASI OLEH PT AMARTHA MIKRO FINTECH

Abstract

PT Amartha Micro Fintech comes with the aim of increasing UMKM
through a group of underprivileged women by providing financing services aimed
at business capital. The financing provided by Amartha to the underprivilaged
woman’s group uses sharia principles with a mudharabah. In Beringin Makmur
Village, especially the Amartha Beringin assembly, only 5 out of 30 customers
carry out their obligations using financing for business capital, even though this
provision has been stated in Article 1 paragraph (4) of the Funding Agreement –
Special Requirements of PT Amartha Micro Fintech, Article 1paragraph (11) of
Law Number 20 of 2008 Concerning Mikro, Small, and Medium Enterprises, and
National Sharia Council Fatwa on Mudharabah (Qiradh).
This type of research is empirical juridical research, while the pupulation
and sample are PT Amartha Micro Fintech Pangkalan Kuras Branch and the
customers of the Amartha Beringin assembly in Beringin Makmur Village. The
purpose of this research is to find out the obligation of customers to use the
financing received as business capital which aim to increase Micro, Small, and
Medium Enterprises (UMKM).
The conclusion of this research is the obligation of PT Amartha Micro
Fintech customers, especially the Amartha Beringin assembly, has not been
maximizes due to several factors from the customer’s side as well as from the side
of field officers. The weak economic situation of customers is one of the obstacles
for customers to establish a business through capital loans given and the large
target that must be achieved by field officers also result in giving loans to
customers even though they do not meet their obligations optimally. The author’s
advice for customers is given socialization related to rights and obliggations as
well as literacy to improve the business that is being run and balanced with
regular monitoring of customers after the disbursement of financing.
Keywords: Model – Mudharabah Financing – Application – Capital Loan.