PENERAPAN AKAD MUDHARABAH PADA PRODUK SIMPANAN HARI RAYA IDUL FITRI DI BMT UGT NUSANTARA MALANG KOTA

Abstract

Abstrack This study analyzes the application of the mudharabah musytarakah contract in Eid al-Fitr savings products at BMT UGT Nusantara Malang Kota Branch. Using qualitative methods through observation, interviews, and documentation, this study suggests that this product uses a profit sharing ratio of 30% for customers and 70% for BMT. This product is very attractive because the profit sharing can be taken in the form of money and goods before Eid al-Fitr, according to the policy of BMT UGT Nusantara so as to increase customer interest in saving. SWOT analysis shows BMT's strength in mobile services that facilitate transactions and timely return of deposits, but there are weaknesses in the use of IT by elderly customers. The opportunity lies with members with high economies, while the threat comes from fierce competition among Islamic financial institutions. The implementation of this contract has proven to provide significant benefits for customers and support the growth of the Islamic economy.