POTENSI PENGEMBANGAN PRODUK PEMBIAYAAN MUDHARABAH DI BANK SYARIAH PADA SEKTOR RIIL UMKM

Abstract

Shari’ah banking currently has a strong legal standing with the presence of the Undang- Undang 21, 2008 on banking Shari'ah. It is very influential on the existence of the banking Shari'ah are increasingly in demand by many. Islamic bank is better known by the profit-sharing system has a range of products that use Mudaraba and Musharaka contract, considered more equitable for all parties. But from the available data suggests that the financing is not dominant. Murabaha Islamic banks is greater than the mudaraba. Islamic economics can not be separated from the real sector, especially SMEs, its existence requires the support of other parties, including Islamic banks. Financing products with mudharabah it is appropriate to sustain the business capital of SMEs. Based on data from the central statistical agency that the growth of SMEs in 2010 amount to 55,206,444 units in 2012 to 56,534,592 units experiencing good growth, so it takes a good response for Islamic banks. This paper uses a descriptive qualitative limitations in this paper is focused on products of financing in Islamic bank and real sector SMEs. This paper uses literature study from various sources. The results of this paper that the potential for product development in Islamic bank financing is still very large. It is seen that the number of SMEs continues to grow, then the portion of financing products are still small. This shows that the products of financing in Islamic banks are very suited to the conditions and character of SMEs. Mudharabah product development potential is still very large and very spacious